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Practices that reduce your spending and save you money The foundation of successfully managing your finances is budgeting, and a pillar of budgeting is learning to distinguish your needs from your wants. If you can’t differentiate those, you could wind up overspending on luxuries that you can’t afford. Give your budgeting skills a refresher by improving your ability to distinguish your wants from your needs. Why Should You Budget For Your Wants? If something makes you happy, why should you deny yourself that pleasure? Haven’t you earned that indulgence for working hard every day? The problem...

Simple tips to save money every day Small changes you implement into your daily life can make a big impression on your financial health. If you’re looking for ways to save money every day without committing to a major financial overhaul, consider the following tips. Take a Closer Look Before you start saving, it’s a good idea to get a clear picture of what you’re spending each month. Examine your bills and track everything you’re buying for 30 days, recommends The Balance writer Paula Pant. The month-long review will help you understand your money habits and allow you to set a better budget...