Ideas for Managing Money

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Create a budget. Keep track of spending and see where you can cut back. Live within your means.

Put 10% of your net income in savings every check. See if you can set it up to automatically transfer to your savings.

Pay with cash. Seeing the bills go towards a purchase is harder than swiping a card.

Strategically pay down debt. Experts recommend that you tackle the debt with the highest interest first. But paying off smaller debts can give a rewarding feeling.