(taken from Winter 2009 issue of Housewarming newsletter)
- Make extra payments of $20 a month on your current short-term debt
- Start saving – start with 1% of your income per month
- Pile your groceries in a hand basket or reusable grocery bags placed in a cart
- Reconcile your checkbook on a weekly or monthly basis
- Give yourself a weekly allowance; save the rest
- Opt for a charitable donation instead of giving an expensive gift this season
- Cut costs – go back to the basics in your exercise routine and cleaning products
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