1. Pay your credit cards and other loans as soon as you get the bill to save on interest that is compounded daily.

2. Transfer high interest credit card balances to a lower interest rate credit card.

3. Get receipts for everything you purchase and at the end of the month use them to analyze how much money you are actually spending. Eliminate any unnecessary expenses.

4. Carry cash when shopping that way you are not tempted to go over budget.

5. Pay your bills online. Many companies give a cash incentive or discount for paying your bill online, plus you save money on the stamp and envelope.

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