One Weight Lifted...

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I actually get extra $ taken out of each check to make sure that I get something back in the spring. I know it's basically an interest-free savings and that it doesn't always make financial sense, but if I don't see it, and it's not in my savings account then I don't spend it. And can use it to pay down debt or do something frivolous or a little of both.

So that's how I do it. Good luck.

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