My bank does offer online banking, however I do not use their service.
I know that budgeting is a good tool to use, and I do it in a very loose way.
The article on cutting back on spending was good. I do employ some of the ideas expressed in the article. My grocery store offers a 10% discount for store brand items, and also a 10% discount for shoppers over 55 years of age. I also seek out the 'bent & dent' bin for items that I use all the time.
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