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And make sure the company has a mobile app so that you can keep track of your spending on the go. Rein It In Rather trim Al Roker's nose hair than create a budget?

Luckily, Learn Vest has a brilliant, free tool called Money Center that makes it relatively painless.

So instead of holding off until the end of the month when you get your statement to make a payment, take action as soon as you have cash to spare.

Go on a Cash Diet Credit cards make it too easy to spend because swiping a piece of plastic sort of doesn't feel like real money.

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