Reduce Spending Without a Budget
Pay Yourself First
The fastest way to spend less is to have less. With less money in hand you will automatically look for ways to cut on your spending and save money. You would not want to reduce your income so the best is pay yourselves first and tell yourself that you have no extra funds. Try and schedule your deposits to your retirement accounts the day you get your paychecks and to increase your savings amount every time you get a raise.
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