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16. Get a Real Financial Plan Going. One of the biggest reasons why it’s so difficult for the average person to save money is simply because don’t have a solid financial plan. Without a financial plan all your budgeting at the start of the month just because an exercise in futility since there is no real understanding of where your money is

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Säve-Söderbergh (2011), ”Financial Literacy and Retirement Planning in Sweden, joint with Johan. Almenberg, Journal of Pension Economics and Finance, Vol.

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Banks, credit unions and even the government offer a variety of financial products that can help you save. Find out which one is right for your goals. Savings Saving money is hard.
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Start Using a Budget. Think of your monthly budget as a spending plan for what you really want in life. This organization is not BBB accredited.