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Discuss the factors that lead to the formation of a star dune.
Non-Monthly Expenses
Costs that occur on an irregular basis, not tied to monthly payment schedules, such as annual insurance premiums or bi-annual vehicle maintenance.
Heat Pump
A device used for heating or cooling a building by transferring heat between two reservoirs, usually between an indoor environment and the outdoor air.
Furnace
A device used for high-temperature heating, commonly for residential heating or metallurgical processes.
Monthly Budget
A financial plan that allocates expected income towards expenses, savings, and debt repayment on a monthly basis.
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