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 Follow these steps to go on a spending freeze and meet your savings goals. StockImageFactory.com / Shutterstock.com

Editor’s Note: This story originally appeared on The Penny Hoarder. The less you spend, the more you save. It sounds simple in theory, but in practice, it’s much more complicated. Spending is built into our daily habits, from our morning trip to the coffee shop to unwinding at happy hour after work. We treat spending as a pastime when we’re bored, dropping hundreds with a few taps on our…

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