Before continuing, you may want to catch the previous entry:

Tips for Monthly Saving Part 1

In the previous entry, I focused on small changes that you could make on a daily or a monthly basis that could save you significant money over time. Now I want to address larger savings that could be made. The key concept that is the hardest for Americans to learn is to delay gratification - you really don’t need it, at least not right now. The following is not rocket science, but it sure does make sense:

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