10 habits guaranteed to blow your budget

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10 habits guaranteed to blow your budget
By Bankrate.com

Financial flubs come in all sizes, but for most of us it's the little ones that cause the biggest cash drain. Don't let these budget busters squeeze the air out of your hard-earned income.

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Money blunders galore
1.	Budget smudget, create a spending plan Here's how to get your finances on the right track and keep them there. Plus: Budget worksheet

2.	Building an emergency fund Good times or bad -- put money away consistently, then tap it only in emergencies.

3.	7 steps to keeping your checking account under control You may have had that account for years, but it doesn't mean you are doing the right thing.

4.	Eliminate your debts with the 'payment push' strategy If you prefer paying for your credit card company's profits, don't read this great advice.

5.	Tips to avoiding late fees The bottom line is you must play by lender rules.

6.	Want a lower rate? Just ask! Making a simple phone call can save you big bucks. Plus: How to get a lower rate

7.	Put the brakes on the high cost of car insurance Learn how auto insurance is calculated and what you can do to lower your premiums.

8.	How to guard your Social Security number Everybody asks for it, but few actually need it. Guard yours.

9.	Are you an identity theft target? Monitor your credit report regularly to protect your good name.

10.	Mindless of the little expenses: Don't be a home energy spendthrift Strategies for reducing your energy spending -- some won't even cost a cent. How to cut fuel costs A roundup of savvy tips to extend the time between fill-ups. 10 ways to save $50 Use these common methods to free up some cash.

-- Posted: April 11, 2003

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See Also

•	Financial strategies for every age -- teens to seniors
•	Spring clean your finances
•	5 tips for pumping up your income

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