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If you're like most people, saving money can get hard when your heart's desire for a little fun bumps up against your brain's strict budgetary rules. Life is all about finding a balance between the two -- all while making sure your account balance stays in the black.

The good news is that there are ways to save even while enjoying yourself. You don't have to skip that big-deal anniversary dinner or avoid a hip new restaurant that's creating so much buzz. Try these tips to save money while eating out.

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If our calendar year could be compared to a basketball game, we're at about half time. For those of you who don't know anything about basketball, the game is broken into two halves with half time in the middle. During halftime both teams retreat to their locker rooms.

So, right now, we're in our half time. We're in the locker room taking a quick breather from running up and down the court like athletes trying to score as many points as we can. It's time to huddle up and make sure we are doing things right.

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While most people realize monetary savings are important, more than half of adults in America reported having less than $1,000 squirreled away in 2017. As many as 39 percent -- that's over a third -- said they had nothing saved. The economic climate for many people hasn't led to extreme savings, but putting aside just a little for that inevitable rainy day can make a huge difference in your stress level and future monetary woes. Here's a look at why you should start saving and how to get into the habit.

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