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Whether it’s saving for the holidays, a major purchase or for emergencies, use this simple guide to help you capitalize on these savings and keep more money in your pocket.

If you have children, I know how expensive this time of year can be as you are shopping for all of the clothes and school supplies needed to prepare your family to go back-to-school. You want your children to get off to a great start as they enter a new grade, but, you also want to make sure that you don’t go into unnecessary debt during these shopping trips.