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1.  Reduce, refine and streamline.
2.  When in doubt remove excess.
3.  Be budget-minded each month.
4.  “Make due.”
5.  Plan ahead.
6.  Take ALL vacation days.
7.  When purchasing find a deal.
8.  Save more.
9.  Travel a lot, but only for the sake of vacationing.
10. Take bank Holidays off.