You mean well. You want to start saving; paying off debts; or just get by without running out of money three days before pay day. But you just have so many needs! And your spare cash just seems to disappear. What to do?
Let's take a closer look at your spending habits -- a really close look. Pull out a shopping list from a recent grocery store run; and then pull out your receipt. Let's get out our checklist and evaluate the things that could be better left on the shelves, in the bins, at the coffeeshop ...
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