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[QUOTE="Jasz, post: 265601, member: 61772"] Savng money is important, but sometimes it can be hard to avoid spending cash. You might not realize how much you're spending until you see the total of your monthly bills and payments. You could be spending more than you think. Here's how to avoid that trap: 1. Use a budgeting app. Budgeting apps like Mint or YNAB are great tools for tracking your spending and helping you see where your money is going. 2. Remove unnecessary expenses from your budget. You might pay for services or subscriptions that aren't really necessary in order to get closer to your goals, such as cable TV or gym memberships. If those things aren't included in your budget, they'll never show up on your credit card bill — so they won't affect your debt balance or net worth at all. 3. Compare cash back offers before making purchases online or at stores like Target or Costco — these credit card offers can add up fast if you're not careful about them. 4. Don't buy things just because they're cheap — this doesn't always work out well when it comes time to pay off debts and save for retirement! [/QUOTE]
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