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Tip of the Week

Cut Coupons

It's like free money. You don't even have to subscribe to the paper. Ask your friends or family members if they subscribe to the paper and if you can have their unused coupons, they might just give you the whole section. This practice can save you hundreds of dollars a month.

Leave a Will Behind

70% of Americans don't have a will. If you have dependents, no matter how little or how much you own, you need a will. If your situation isn't too complicated you can even do your own with software. Protect your loved ones. Write a will.

Quit Smoking

The cost of a pack of cigarettes averages around $4.50 to $5, including taxes, depending on where you live. Using the lower number, a pack-a-day smoker burns through about $31.50 per week, or $1,638 per year. That's a house payment or a nice vacation with the family. A 40-year-old who quits smoking and puts the savings into a 401(k) earning 9% a year would have nearly $250,000 by age 70.

"Christmas club" savings accounts

Many banks and credit unions offer these saving plans, where you can automatically deposit an amount to these accounts each month. The interest is nothing to brag about, but usually you cannot withdraw any amount without incurring fees until a date near the holidays. Start planning your holiday shopping early in the year.

Ask for Senior or Student Discounts

If you’re a senior (usually 65+) or a student with a valid student id, ask about a senior or student discounts wherever you make a purchase. Many stores and services offer a discount but do not advertise it. In some cases, employees are not allowed to ask individuals if they qualify for a senior discount; customers must ask for it.

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