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If you have credit cards you are not using, cancel them, as they also fall into play in your credit rating, seen as monies you could still tap.
It would be the best thing for everyone if we got back to the old adage-
-pay yourself first- by taking %10 out of your pay for saving,
wether it be 401-k, IRA or savings account before you get it in your hands.
I have heard setting your thermostat 1 or2 degrees lower can lower your heating bill upto 3%.
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