Are you having trouble making ends meet? Do you run out of money before pay day? Are you extravagant with your money? Do your current financial circumstances require you to do a complete overhaul on your lifestyle and spending? What are the areas that will allow economies in your spending?
Almost every item of expenditure should be queried - do you really need it and if so, are there better or cheaper alternatives?
Many of the following tips are practical and easily implementable. Some you will know or have heard before but they will give you the impetus to focus on your own finances to start saving money now when it really matters.
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