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Saving smart is easier than you might think. Check out these simple strategies for savings - strategies you can put into action today. Don't wait!

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Check off each tip as you complete it!
 
Checked Consider refinancing your mortgage, then apply the difference in payments toward your savings.
Unchecked When you pay off a loan, keep making the payments - to yourself. You'll be glad you did!
Unchecked Instead of buying books and movies, check them out for free from your local library.
Unchecked Doing your banking and paying bills online will save you stamps - and time!
Unchecked Shop around for car and home insurance to make sure you're getting the best deals - and discounts!
Unchecked Avoid unnecessary ATM fees - and save time, too. Use your debit card and get cash back when you shop.
Unchecked Start a spending log and write down all your purchases. It's a great way to examine where you could be saving!
Unchecked Use a flexible spending plan at work to pay child care and health expenses with pretax dollars.
Unchecked Examine the terms of your credit cards, and look out for fees you could avoid.
Unchecked Skip the coffee shop and make your morning joe at home. Over time, the savings will overflow.
Unchecked Don't crisis-shop for groceries. Plan a weekly menu and save big with fewer trips to the store.
Unchecked Treat savings like a bill - and pay yourself first with an automatic savings plan.