14. Use Credit Cards and ATMs Sparingly

Avoid using your credit card, but if you do, be sure to pay off the balance each month, not just the minimum to avoid paying interest. Use cash whenever possible, but budget sensibly, so you won't run to the ATM all the time. Paying in cash feels far more real for most people, making them more aware of expenditure than when they're using plastic cards to pay for goods/services.

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