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These days, flashy living is out, and careful spending is in. Many people are discovering that, once they get used to living within their means, they're less stressed out by the economy. Take advantage of lower interest rates. You could free up several hundred dollars for your family's budget every month. The average family spends about $1,900 a year on energy bills. Save money by doing a home energy audit using the free calculator developed by the Environmental Protection Agency's Energy Star program (energystar.gov). Or use its referral service to find a professional home energy auditor.
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