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This article covers information and tips on reducing your living costs by cutting off a few of your expenses in the first place. Keep track of everything helps you to know how you spend things, as well as spending your money. Freeze your credit cards might be a way to reach your goal by freezing your credit card account, you still have the entire function and feature but it may take time to use it. Consider using a programmable thermostat to set the temperature in your house from your phone.