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 Evaluate what you really need and cut out the rest! fizkes / Shutterstock.com

Editor’s Note: This story originally appeared on Living on the Cheap. Are you wasting your money? Too many of us get to the end of the month, look at our dwindling bank account balances and wonder where all the money went. If you were to go back and really look at where all that money is going, you might find that you’re wasting it rather than using it wisely. If you want to make your money work…

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