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You already know my advice, because I already gave it to you!
Find an online bank (I use ING Direct, there are others), and start a savings account with a high interest rate (ING Direct's is much higher than any brick-and-mortar bank). Then, start an automatic savings program to transfer whatever you can comfortably afford into the savings account.
Before long, you'll have a nice safety net built up--and that safety net is essential.
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If I am not better, at least I am different. --Jean-Jacques Rousseau
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