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Be honest with yourself, how many times in a week do you find yourself musing about how expensive everything seems to be these days? Whether its fast cars, fast women, or even fast food we desire we never seem to have enough money to cover it. The sad fact is that this nation has been overwhelmed by consumer culture to the extent that we fritter money away needlessly every day of our lives. We work our fingers to the bone five days a week to earn a wage only to waste it on things we don't need and sometimes even things we don't want.

Quick show of hands - How many of you reading this article take a packed lunch to work with you and how many go out and buy something at lunch time? I'll bet more than half of you buy something at lunch time and that is a perfect metaphor for how people have stopped taking time to do the little things that save us a fortune over time.

So where do you begin? First thing you need to do is get a notebook and spend a week writing down every last penny you spend on everything, then you can start to look at what you are spending and where you can cut back.

So lets start with the big expenses, car loans, mortgages, utilities, bank accounts. Most people never change providers once they start with one of these services and that is astonishing. There are price comparison sites on the internet for just about anything nowadays but apathy and the fear it will be a lot of hassle prevent people from shopping around.

Do you have a mortgage? Then go and visit a mortgage broker and see if you can get a better deal elsewhere, you could save thousands in the long run and I guarantee your new mortgage provider will walk you through all the paperwork and make it as easy for you as they can. After all they want your business and will bend over backwards to get it.

Car owner? Did you get finance from the dealer who sold it you? Then check your finance agreement and if there is no penalty for early settlement move your debt to the cheapest personal loan you can find. Dealer finance is generally some of the highest priced credit around because the dealers rely on customers wanting a quick convenient solution that lets them drive home today. There are far better deals out there if only people would look.

So who provides your gas, electricity, phone? Once again there are easy to use comparison websites to find the best deal for you and most of the time it only takes one phone call to switch providers. So why don't you do it now?

Did you know that the vast majority

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