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How To Spend
Less and Still
Live Well
When times are tight it makes sense to cut back on spending. To most people, that also means cutting back on happiness, fun, and comfort. Fortunately, that does not have to be the case. There are many simple ways to reduce your spending without sacrificing your lifestyle.
Are You Paying Too Much
For Too Much?
Most people trim entertainment and day-to-day expenses to impact total spending. In reality, those expenditures are hardest to cut because it involves a conscious decision every day not to spend. An easier solution may be to cut recurring monthly expenses. Do you really watch those premium movie channels? Are you regularly using that gym membership you signed up for last year? Try to identify the silent drains of your funds, and take action to eliminate them. If cutting 
an amenity or service completely is not an option, try to negotiate a lower cost. You may be surprised to find out that businesses are often willing to give a discount to keep a customer.
Power Down To Tighten Up
Wasted energy is a leading predator of both the environment and your wallet. New technology provides many ways to conserve energy use – and your money. One way to save is to install compact fluorescent light bulbs (or CFLs) that offer a longer lifespan with significantly less electrical usage than standard light bulbs. Another option is to install a programmable thermostat that allows you to alter the heating and cooling of your home, even in your absence, resulting in savings on your heating and cooling bills.
Try "Free Fun" – It's Free, and Fun!
Entertainment expenses like concert tickets and admission fees can add up quickly. Take advantage of free entertainment in your local community. For example, your local public library is a great place to borrow CDs, movies and magazines at no cost. Your taxes help pay for it, so you should take advantage of this wonderful resource. Also consider getting involved in local volunteer groups and organizations. You can meet new people, network, have fun, and contribute to your community – all for free!
Using your home as an entertainment venue rather than going out can result in significant
