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 These unconventional tactics rewire your money habits and could save you thousands each year. 

Credit freeze
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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. The urge to splurge strikes everyone, but impulse buys add up fast—Americans spend an average of $314 a month on unplanned purchases. That’s nearly $4,000 a year that could be growing in your retirement account…

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