It's my pleasure to welcome you to the Clark Howard Show where it's about you learning ways

to save more and spend less and don't let anyone ever rip you off our websites Clark.com

and ClarkDeals.com.

We've had massive unemployment in the United States and although the picture has improved

some, we still have extremely high unemployment with tens of millions of Americans either

out of work or having incomes reduced.

So, one thing I want you to think about is every possible expense you have that you can

reduce in your life.

Memberships you pay, subscriptions you're in.

Things you buy on a monthly basis like technology that you can reduce those bills.

And I want you to think about looking through your checking account statement and your credit

card or card statements and see what things you're paying for on a regular basis that maybe

just kind of slipped your mind.

Think about that craze with all the gift boxes people were getting.

You getting gift boxes?

Are they really worth getting those gift boxes and spending the money?

Maybe for you it is and it's worth it getting the little treats showing up each month of

whatever kind.

But if they're not, cancel that thing.

You know, these subscription services all bank on you by inertia continuing to pay when

it's not in your life anymore.

I'll give you an example of it.

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