1. Keep track of your spending by using home budgeting apps
2.Separate what you want from what you need
3. Avoid using credit to pay your bills
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4. Save regularly by putting money away every month
5. Search for cheaper insurance policies
6.Don’t splurge on payday
7.Take stock of what services you use and then downgrade.
8.Turn off appliances and lights when they are not needed
9. Start a loose change jar
10.Sell your unused items














