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    Keep a diary

    Review or keep a diary of what you have saved or what benefits you see. Like a smoker putting the price of his cigarettes in a jar. Likewise be it the €2.50 saved by not buying a fancy frappuccino every morning, write down how much money you saved either from major changes we identify at your annual review or how much you save yourself. I guarantee that you’ll be amazed at how much you save.