If you are looking for ways to save money or to improve your spending habits, creating a budget is a great first step. One way to learn about how much money you spend and on what, is to take an honest look on your credit card statement. If you take a month and use just one credit card you will be able to see exactly where your money is going, as long as you pay everything with just that card and not cash, for example. Your credit card can serve you as a budgeting tool this way, just remember you should pay it off right on time.

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