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this is a simple one, when entering in your checkbook, round up to the nearest dollar. within a couple of months you will have a decent savings there.
ie power bill 23.72 note $ 24
dinner on the debit card 18.43 note $ 19
within a couple of months you will have a small chunk of change that you can roll into a savings account, that will eventually become something. remember to back out the total each month so your checkbook does equal your checking account.
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