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6 Unnecessary Items I Took Out Of My Budget For Good

Sticking to a budget is, of course, one of the most basic lessons of personal finance. If you don’t know where your money is going each month, finding more ways to save and optimize your income is going to be all but impossible. Planning ahead doesn’t mean eliminating spontaneity and unexpected spending — it just …

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How I’ve Painlessly Saved $100 Using Cash-Back Programs

I’ve always been wary of cash-back services, likely because I’ve never quite understood how they work. I have also been skeptical of “free” money. But my mother lacks my cynicism and rather enthusiastically joined Ebates, now called Rakuten, last year. The main draw to joining was their referral program — refer someone to Rakuten and have …

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