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7. Use Cashback and Rewards Pay with a rewards credit card (if paid in full monthly) or use cashback apps like Rakuten. Always look for discounts or promo codes before purchasing.
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8. Set Financial Goals Short-term: emergency fund. Mid-term: vacation. Long-term: retirement. Clear goals guide spending decisions.
Financial freedom is built on small daily decisions. These lifehacks make money management simple and sustainable.
