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Budgeting
Tips for Spending Less
- Carry only small amounts of cash in your wallet so you won’t
spend it.
- Use direct deposit. You will be less likely to spend money if it goes
straight into your account.
- Control your use of credit cards.
- Don’t go shopping just for fun.
- Take your written savings goals with you as a reminder.
- Buy only what you need—don’t buy things just because they
are on sale.
- Use coupons to save money.
- Use a grocery-shopping list to prevent impulse buying.
- Take your lunch to work instead of eating out.
- Shop around to get the best deal for big-ticket items like cars and
appliances.
- Pay your bills on time to avoid late fees, extra finance charges,
utilities being turned off, eviction, repossessions, and the costs of
a bad credit rating.
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