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Call your credit card companies, and ask them to lower your interest rates, or transfer balances to lower interest cards. Always return items that you don’t need or want. Don’t allow yourself to keep something you won’t use, just because it’s inconvenient or uncomfortable to get your money back.
Nancy Levin • Worthy: Boost Your Self-Worth to Grow Your Net Worth
Establish daily routines and habits
Meg Mateo Ilasco • Creative, Inc.: The Ultimate Guide to Running a Successful Freelance Business
breaking the hold of the more-is-better myth on your mind means you will change because you want to, not because you have to.
Vicki Robin, Joe Dominguez, Monique Tilford • Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018
Principle #1: Clutter is costly.
Cal Newport • Digital Minimalism
Rule One makes you more aware of what your money is doing and helps you to stop spending on things that aren’t important to you. This gets you on the fast track to spending less than you earn.
Jesse Mecham • You Need a Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want
Declutter: Organize and Declutter Your Home, Mind, and, Life on the Road to Happiness and Sanity (Minimalist living, minimalist mindset, Being happy with ... De-stress your life, Simplify your life)
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- Go with the flow. Don’t try to control the events, things, or people in your life with an iron fist. You’ll feel much happier, and more serene, if you let things happen of their own accord.
Francine Jay • Miss Minimalist: Inspiration to Downsize, Declutter, and Simplify
Question everything. Once a year (I like to do this in January), question every one of your expenses.