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Reply to "What are your cutbacks for the best way to save money monthly? "
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[quote=Anonymous]If you don't know where every penny goes, very little of this is going to help... I like YNAB, they just rolled out a new version that is everything I've ever wanted in a budgeting tool. You can try it free for a month, but if you and your spouse (if applicable) are serious about cutting back, you need to have a plan. YNAB (and others, but YNAB does it better than most) gives you a plan. [/quote]
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