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 Are you still using your gym membership or cable? Maybe it’s time to let those go. BearFotos / Shutterstock.com

Editor’s Note: This story originally appeared on Living on the Cheap. Finances are a family affair, and there’s no better time than the present to take stock of your spending and saving. Call a family meeting and start working together to spend wisely, save more and work toward financial goals together. Here are some conversation starters.

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