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Money and Finances
Reply to "Developing the discipline to stop spending -- I need tips"
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[quote=Anonymous]Stop getting a tax refund. Get the money each month and use it for things you need. You need a budget - whether you get fancy software or use a piece of paper and a pencil. Just do it. You need to track all your spending for a couple months. I don't really believe you buy stuff you only need and that over bought groceries never go to waste. Stop kidding yourself.[/quote]
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