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ADULT PIGGY BANK
If you have a jar, give it a new purpose. Toss spare change into it until it’s full. Give it time, but you’ll end up with hundreds of dollars for a vacation or another prized purchase.
NO LOAN, NEW GOAL
After paying off a loan, keep writing the check. But instead of sending it to pay off a loan, send it to a savings account.
Write down specific goals. Saving $2,000 for a beach vacation is concrete. Set up an account for each goal or for large recurring expenses.