Yes. Small reductions in spending can add up to big dollars over time. Remember the saying, "A penny saved is a penny earned"? Unfortunately, many tend to ignore the message behind this old adage because they fail to look at the long-term effect of cutting back on their expenses. For ideas on specific ways to save money, check out "66 Ways to Save Money" at http://www.pueblo.gsa.gov/cic_text/money/66ways/index.html.

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