how to save on pajamasThe first issue many people have when it comes to sleepwear is a preconceived notion about what is appropriate sleepwear.

In fact, the cheapest set of pajamas came with you when you were born. Choosing to sleep in the buff is not for everyone, though, and there are times when the weather might have a say in your decision, not to mention the social situation.

Below are 3 additional ways to save on what’s pretty much a necessity for most people.
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self-improvement
Most of us tend to think of self-improvement as a separate subject from finances, but you might be surprised to discover that your finances can improve when you work on yourself.

The connection between self-improvement and your finances might be a little indirect, but it’s there. Here are some ways your personal financial situation can benefit when you engage in self-improvement:

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cheap music

One of my favorite aspects of music is that it doesn’t only remind us of the past—it can actually bring us to inhabit a memory, simply by provoking a feeling. I know I tie a lot of positive—and negative—memories back to the sounds that surrounded me at different points in my life.

When I look around on my morning commute, I see so many people electronically enjoying their tunes on the way to work, during exercise, and on lunch breaks. It gives me so much joy, because I can clearly recall the days when music used to only be sold in hard copies—records, 8 tracks, tapes, CDs. But now, because of technology, it’s personalized and it’s everywhere.

For those of us who love music, there are a number of different ways to listen to your favorite tunes on the cheap. Here are some of my favorites:

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motivation and money
Having spent some time in Vegas, what I’ve noticed is that there are many people who have lost all their money in the casinos as there are people living on the streets. Seeing things like this always reminds me to never cave in to the temptations of gambling.

With all this temptation surrounding me, I’d like to ask you: What motivates you to make money?

Before you answer this question, let me share with you some of mine.

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kids clothing
School bells are ringing in the distance.

Although it seems like summer just started a few weeks ago, it’s already time for parents to start budgeting and planning their family’s back to school purchases.

One major purchase that comes with going back to school is buying new clothes. Here are a few tips to help you save money.

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high school graduation
The summer between high school and the freshman year of college is a summer of freedom before plunging back into another four or more years of intense study. That’s why it’s understandable that many teens just want to take some time to enjoy the good life.

There’s nothing wrong with enjoying some fun and relaxation. In fact, relaxing is vital to our physical and mental health. But the summer between high school and college is also a few months that can set the pace for a student’s finances and career outlook for years down the road.

While teens should seek to balance work and play in the summer months, it’s wise to use this time to think forward and take steps that improve their college applications, debt load, and career opportunities after they graduate.

I’m speaking directly to you, students, here are some ways to do that:
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