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Everyone makes stupid money decisions every now and then. If this is your first time to bounce a check, your bank may waive the fee. This will probably only work once, though. If you have a flawless record of maintaining your balance and avoiding overdrafts, the bank might see it as a one-time mistake.

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A credit card is a good choice over a debit card. Credit cards can be used for things such as groceries and gas. Most credit cards offer some kind of rewards, like cash back on these items.
Some people spend $20 to $30 each week in lottery drawings hoping to 'win it big.' Instead, invest that same amount of money in a savings account. This will give you a guaranteed gain, rather than losing to an overwhelmingly risky game.
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If you invested or saved the $25 that many people spend weekly on lottery tickets, you would definitely have more money. Even with today's low interest rates, you'll be guaranteed to have more money than you started with if you put it in a savings account, which cannot be said of the lottery.
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