Tired of living paycheck to paycheck? The Two Checking Account System will help you solve this problem common to many of us AND you may not even need a budget.

You can get 1.55% APY on a high-yield savings account from CIT Bank. $100 minimum to open.
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Save more money by lowering your cell phone bills at Ting, Tello or Twigby (MVNO cell phone providers).