The key to developing a lifelong habit of saving money is that you must never feel deprived. Saving has to feel as good as spending. Of course, you'll need to turn a deaf ear to the many commercial messages that have been bombarding your brain ever since you started watching Saturday morning cartoons. In place of the advertiser hype, keep reminding yourself that the money you save holds the promise of an even greater reward down the road. That's because your savings will be earmarked for the things you know you want — not what somebody else wants you to...

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