Scrutinize every line item on that monthly credit card bill. Harold found one exercise to be very useful. Imagine that someone stole your credit card and you had to cancel it. When your new card arrives, would you re-up for every magazine, iPhone app, or whatever else you’re automatically paying for right now? When Harold performed this exercise, he discovered many accumulated items. Some had festered for years, including the $10 monthly charge for a wireless hot-spot service he never used, its password long forgotten. An annoying ninety minutes on hold later, and he was free. Make the time to
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