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Saving money is all about small, incremental steps that can make a big impact. For example, let's say you regularly eat out with friends. Is it the expensive steak that makes the evening so special or is it just being with friends that makes it special? If you're a total foodie and you love food, then by all means, spend money on food. If you just want to hang out with your friends, and you think you can have just as much fun over a burrito, buy the burrito instead or cook your meals.

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