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Self-Improvement Steps and Your Finances 3

research can go a long way in the end.


59. Ditch the impulsive (and compulsive) buying- buy only what you need, not what you want. Impulse and compulsive buying can lead to buyer's remorse (especially when the credit card bill arrives) which can negatively impact your self-esteem and self worth. We all love a good shopping trip; but during these tough economical times, it's important to rise above the urge to shop and prove that you can do it.


60. Do the research- better deals on insurance, electricity rates and phone plans do exist! You just need to do the research and see if you can bag a better bargain. Because of the intense competition in our economy, many companies are constantly lowering the prices on their services that you need. Take advantage of this by shopping around, comparing rates and using a quote wizard online.


61. Use Savings Accounts wisely- they don't call them 'savings' accounts for nothing! Set up a savings and a spending account. What you do with your savings account is up to you- perhaps you are saving for a holiday; perhaps you are putting money towards the kid's education. Watching your savings account grow month after month, regardless of if you are contributing $10 or $1000 is an important step in gaining financial freedom and improving your money issues.


62. Consolidate; if you have to- consolidating your debts is a really smart move, especially when debt is starting to consume your life and

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