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The Village Financial Resource Center blogs about personal finance at realmoney.areavoices.com.

Areavoices.com: Seven practical tips for saving money

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Living without a savings account is tantamount to a trapeze artist flying without a safety net. A recent National Foundation for Credit Counseling's Financial Literacy Survey reveals almost two-thirds of those surveyed admit to not tracking their spending. Spending with abandon, combined with little if any regard for savings, is a recipe for financial disaster.

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