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Some good advice here.
Two other things to maybe consider:
1) Pay yourself first (I cannot stress how important this is). When saving, do not wait until the end of the month to put your spare cash into a savings scheme - you'll end up with nothing. Decide what you can afford and do it as soon as you get paid. That way you have your savings guaranteed and you'll know how much you have to last you the month.
2) "Take care of the cents and the dollars will take care of themselves." So, SO true. Look at how much you spend on little incidentals, things that you don't think will make any difference - that coffee at Starbucks every morning on the way to work, the chocolate bar or pack of gum as you do your shopping. I'm not saying never treat yourself, but don't fall into the trap of saying something "only" costs something to justify continued and extensive treating - it costs something, and that's that. At the end of the month, you may find yourself $100 better off for it.
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