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Payroll deductions are great. We both maximize our 401 K's. Hubby has a profit sharing plan and we are using a medical plan with a health 401 K. It's not called that but it is a great description. We can put in a certain amount each year for medical expenses. What we don't use is invested and rolls over. If we ever need a major procedure we have money set aside. If we don't, it turns into a 401 K at age 70.
We pay off our credit cards each month. We use a programmable thermostat so the house is at 68 in the winter when we are home and 64 when we are out and sleeping.
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