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How to fasten your financial seatbelt

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In a down economy, people rediscover these tried-and-true techniques for economizing that habitually frugal people practice all the time. For example, you can borrow books from the library (if you don't mind waiting for the more popular ones). You also can use the Internet, check out movies and CDs, get local free newspapers, and learn about community events.

PHOTO: Ed AndrieskiAP/File

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