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    Implement the changes!

    If there are immediate savings to be made avail of them. Don’t continue to over pay for your services and products where the same item is available cheaper.

    Work at it try, to make small changes in your spending habits regularly. Set a goal of implementing two money saving tips a month. See our top tips section where each month we will add at least two new ones! Alternatively find or learn your own by checking the Internet or reading the money section in your newspaper, there everywhere lately some good some bad. Follow us on twitter to get our top tips. Focus on making just two money tips a habit every month or so and watch the pennies mount.