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Set one specific goal. Rather than socking away money into a savings account, set specific goals for your savings. Budget for savings. Just because you decide to save doesn't mean it's going to happen. Make saving automatic. Keep separate accounts. Monitor & watch it grow.

Make sure your bedroom is quiet, dark, relaxing, and at a comfortable temperature. Remove electronic devices such as TVs, computers, and phones from the bedroom. Avoid large meals, caffeine, and alcohol before bedtime. Don't use tobacco.

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