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I find the best way to save money is by changing my lifestyle, spending habits, and bills I have to pay so less comes out of my pocket each month. Some of these include eating out less, save electricity, water, and natural gas. Refinancing any home or auto loans to get better rates and therefore lower payments. And one of the best is to keep all credit cards paid off. That way your money is paying off things for you, rather than as interest to the card companies. So the key is to SaveMoneyMonthly.