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Open Up Saving Accounts For Big Purchases
Say you want to buy a new couch for the living room or are planning on going on vacation this winter. Rather than blindly charging it to your credit card and then stressing over the balance for the next six months, save up for the purchase instead.

You can open a savings account at your bank, or use apps like Quapital or Tip Yourself that let you save for specific goals directly in the app. 

Say you need $1000 for the blue velvet sofa you want to buy in six months. Divide the amount by the number of months, and you see you need to save $166 per month to meet your goal. Funnel that amount into your account every time you get paid, and you'll meet your goal right on time.