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The single thing that allowed me to save the most money was living with my mom when I moved back to a high cost of living area (Metro DC), even though I'd been used to living on my own for 10 years. If you have that option with family it should be considered. It's actually not that strange to anyone in a high cost of living area (most of my friends from college who were local to the New York City area moved back home for 5+ years after college to save money). Not only do I have money in the bank, but now that I have my own place again I really appreciate it, plus I appreciate the things I already do have since most of my belonging were in storage for 5 years -- it's almost like they're brand new again.

Second - a large portion of my salary is a annual bonus. Since I don't base any financial plans on this bonus (I even save for my ROTH IRA from base salary) I'm able to put most of it into savings -- I allow myself to spend 10% net. If I change jobs and get a total salary in bimonthly paychecks, I plan to right away put in savings the *extra* amount that I get at this job as a bonus, since I'm used to living without it all year long.

Third, I track my spending. I've been in credit card debt before, and knowing where my money is going helps me stay on goal.
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