6 ways to cut spending

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• Draw up a realistic budget and stick to it. Make sure you save.

• Make your own lunch. It is much cheaper than buying expensive food at work.

• Avoid temptation by limiting your access to money. Withdraw a set amount of cash each week and leave your cards at home.

• Shop around before you buy. Keep an eye out for sales at stores.

• Buy second-hand goods at auctions or garage sales. It can be great fun and you might find some bargains.

• Shop quickly and shop alone. The more time you take, the more you will spend.

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