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If it is available, have a small portion of your pay direct deposited in a seperate account, preferably at another financial institution. You won't miss the diverted money and since it is in another institution, you won't see it and be tempted to spend it. Dont get a debit card for the second account and if possible make sure the location of the other savings place is not the most convenient. You'll be suprised how fast the money will grow when left alone.
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