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 Discover smart ways to scale back even when you’re on a tight budget. Rido / Shutterstock.com

Editor’s Note: This story originally appeared on The Penny Hoarder. Do you ever wonder why it’s so hard to save money — even when you’ve cut the cable and the meals out (and you’ve never even had a latte habit?) One reason it’s so difficult to save is that your fixed expenses — the ones that stay the same each month — like your rent or mortgage, car payment, property taxes and insurance…

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