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10 Ways to Make Spending Less More Painless
Calculate Purchases in Terms of Hours Worked
It's tough to just say no. Try this trick: Break down your salary (after taxes) in terms of hourly compensation. When you're debating buying that $150 pair of shoes that you don't necessarily need, compare the price tag to the number of hours you worked to earn that sum. So, if you earn the equivalent of $30 an hour, ask yourself if it's worth five hours of work.
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