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Money saving and finance tips *can* be very effective... if you have some money.

And if you do, it is worth taking the time to see if you are using your money well. For example, do you spend a lot of money at an online retailer because it's "easy" to shop with them but, as of late, the quality and reliability of the products they deliver isn't worth the premium price? *waggles eyebrows*

It's kind of horrible how much money I've saved since dumping amazon.