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In his book, "For Love and Money", Dr. Bernard Poduska suggests a few good strategies for cutting our expenses. First, we should cut expenses before we start spending. In other words buy less expensive versions of necessary items (value brand foods, less expensive car, etc.). Second, share if possible. Share items within your family and if possible with your neighbors. Third, plug the holes--or places where money seems to disappear without much to show where it went. These suggestions can be very helpful in reducing costs and can help establish more confidence in your financial future.