ANSWERS: 4
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If you've saved enough, then you wisely invest some of it.
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I'm in the same boat YARNLADY. I wish I knew.
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Continue saving money. Then decide what you want to do with it. Do you want to keep it for future use? Do you want to invest it? Do you want to use it to finance a trip? With a clear vision of what you want to happen with your money, I'm sure you will be able to maximize its use.
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After you've started to save, then I guess the thing to do would be to figure out how to save more by decreasing expenses. I brown bag it more often for lunch now, and the days I don't brown bag I just buy a large soup which is only a dollar. I'm trying to pay off my car loan quicker than scheduled to avoid some of the interest, little things like that. The fact that gas went down is helping a bit, but the savings isn't stretching too far when it comes to covering heat expenses, I keep my house pretty cold to save some there.
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