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5. Cut It Out
I've heard it a million times: "Suze, after paying the bills, we have no money left to save!" But there are always places you can trim:

  • Gifts.
    Spending on others when you're not giving enough to yourself is disrespectful. Give loved ones the gift of your time: Babysit, help with a chore and so on.

  • Services you don't use.
    Case in point: the gym you joined but go to only once a month. And do you really need all those streaming services for music and TV?

  • Dining out/going out.
    Tote up what you spend each month on dining out (include lunch you buy at work) and entertainment—and then start whittling. That daily double mochaccino will never be as sweet as money in the bank.

    Suze Orman's latest book is The Money Class: How to Stand in Your Truth and Create the Future You Deserve.