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 Not hitting your savings goals? These tips will help you reset your approach to your finances. Jason Stitt / Shutterstock.com

Editor’s Note: This story originally appeared on The Penny Hoarder. Many people approach budgeting in this fashion: Pay bills, spend a little, and any money that’s left goes in savings. But those leftover crumbs aren’t often enough. Not prioritizing saving may be the reason nearly a quarter (23%) of Americans don’t have any money in savings, according to a recent financial literacy survey…

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