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  • Track Your Spending – No matter how large or small every penny counts.
  • Save – Set up auto transfers into your savings from your payroll and you won’t even think about it.
  • Pay Down Debts – Pay off your highest interest rate debts first to save money in the long run.
  • Create An Emergency Fund – You never know what will happen in the future, save for emergencies so you won’t have to use credit cards or take on more loans.
  • Make Room For Fun – Don’t take out all the fun in your budget. Plan accordingly for nights out and vacations.

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