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The Simple Dollar finance blog tackles a reader's call for help on how to chip away at her household's paycheck-to-paycheck habit and start really saving away money. In six pretty easy steps, Trent explains how you can carve out money, put it somewhere you can't get to it, and do that every month. The first important step:Set up a savings account in a separate place that isn't easy to access. I find that online banks like ING Direct are a great place to do this, as the money in this account can be accessed if you take the time to log on and execute the transfer, but you can't easily just write a check or use a card to drain it of money, plus you can set up sub accounts for each of your savings goals.By the end of the list, the "fat" has been trimmed off your spending habits, and you're putting away exactly that much moolah every week read more »
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It's easy to know where to put cups, socks, and books you find around the house—not so much with all the stuff that you only occasionally touch and don't have a real home for. To cut down on these hard-to-get-rid-of clutter culprits, the Zen Habits blog suggests creating a "Maybe" box, stashing non-dire items in there, and ...Then store the box somewhere hidden, out of the way. Put a note on your calendar six months from now to look in the box. Then pull it out, six months later, and see if it's anything you really needed. Usually, you can just dump the whole box, because you never needed that stuff.I can vouch for the power of hidden non-necessities. My garage has served as a de facto "Maybe" space for most of this winter, leading my house toward a serious garage sale this spring. Hit the link for 17 more tips on clearing the clutte read more »
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