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How to stretch your paycheck

You keep asking yourself: Where has all the money gone? Of course, you have a good idea: It has gone to spending on groceries, cell phone and cable bills, mortgage and insurance payments, and maybe even on a weekly night out for dinner and on a daily cup of latte. With a few phone calls and adjustments, and some discipline, you can make your paycheck go further. And, hopefully, you can start saving the difference. -- Laura Cohn, Kiplinger
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