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Balance your checkbook with a friend. Just as in all things, accountability can have its perks. You are less likely to overspend or make rash purchases you can't really afford if you have to explain that purchase to someone else later. Make a pact with a friend to keep each other accountable and watch your savings grow. Rewards credit cards are a great way to get a little extra something for the stuff you buy anyways. If you use the card to pay for recurring expenses like
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