Save $5,000 a year by cutting back on these 5 little luxuries

If you have some lingering debts that need to be paid off — or just want to start the new year with better spending habits, making small changes to your routine can have a big impact.

In fact, the cost of just five little luxuries can add up over time — and cutting them out entirely or reducing them won’t hurt one bit! (OK, it might hurt a little, but you won’t miss them as long as you have alternatives in place!)

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