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welcome to the nerd wallet smart money podcast where we answer your personal finance questions and help you feel a little smarter about what you do with your money. I'm Liz Weston.

And I'm Sean Piles. Before we get into this week's episode, I have a question for our listeners. What are your money questions? What is the financial decision that you are thinking of making right now, but you aren't sure if you're making the right choice. Well, send your money questions our way, and we will help you answer them. Call or text us on

the nerd hotline at 901-730-6373. That's 901-730 nerd, or email us at podcast at nerdwollot.com.

On this episode, Sean and I answer a listener's question about the child tax credit and how to think about the money that many parents will start receiving in July.

First, though, in our This Week in Your Money segment, Sean and I are talking about our favorite money-saving tips.

That is right. So regular listeners of the show may remember the survey that we kept bugging you about a couple months back.

Well, you spoke and we listened. A lot of you wanted to hear about our tips for saving money.

So Liz and I are going to give you some of our favorite tips and discuss how we each approach savings.

Oh, and a quick heads up before we start the conversation.

You might hear some jingling in the background.

And that is my cat Argus running amok.

So please do not mind the sounds that he's making.

Thank you.

Let's get into it.

Now I'm almost confused by the term saving money.

So are we talking about ways to put money aside or are we talking about spending less?

Yes.

That was helpful.

I think when it comes to saving, putting aside money and trimming expenses are really

two sides of the same coin, but let's take each aspect one at a time.

...