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If retirement is on your mind, a good first step to getting there is thinking about your current spending habits. Are you already being smart about your money and doing these basic things? If not, now is definitely time to whip your budget into shape.

These 20 easy tips will help ensure you're on the right track for thinking about your money and how you'll manage your finances down the retirement road. See how many of these you're already doing and perhaps adopt a few more smart practices in the process. Once you've got a good handle on your spending, then you'll be better equipped to think about your future retirement.
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