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Taking action can be the hardest part to the entire process. Just getting started is what stops most people dead in their tracks, content with wishing and blaming their situation on anything else. Truth is, if you never take action, you can't ever get past the wishing stage. So how do you get started? You need to first state to yourself that you will take action. Action is what will be required of you to make your financial goals a reality. Next, you need to discuss your plans with someone else. It can be anyone, whether a partner, your children, a friend or even a co_worker. Telling someone about it gives you accountability towards your goals and doesn't let you off the hook for it.

Do some comparison shopping for services. Many families have eliminated a land line in favor of cell phones or a cheaper internet phone service. My own cell phone company also sells home internet phone service for บ a month. My old phone service cost me about ์ a month after paying fees and taxes. I even got to keep my old phone number. That was a very painless way to save 軸 a year. I also did some auto insurance rate comparison shopping. I combined my home and car policies with another top company and saved almost 赨 a month! Now my savings total is up to 趚 a month, and I have not given up anything.

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