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Lifestyles of the Not So Rich and Famous—does this sound like a show you can relate to? In the US, there are nearly 3 million millionaires; that leaves roughly 300 million people just like you, who keep tight budgets and try to make each dollar stretch as far as it can. Lavish spending could be considered the hobby of the super-rich, but frequently, households with little discretionary income make unwise spending decisions in an effort to keep up with the Joneses.

Unfortunately, many families swim in debt because they buy things they simply cannot afford. They may have a Range Rover in the driveway, but you can’t see their piles of bills and empty savings account. Spending in accordance with your income doesn’t sound thrilling, but the freedom that comes from having more control over your finances makes forgoing $200 jeans worth it.

What steps can you take to curb your lifestyle habits? Your smart moves now could mean big payoffs later.

• Make a detailed budget to reflect your income and spending. Once you have the budget set, stick with it!
• Never spend more than you make; this seems like a no-brainer, but it’s a common habit.
• Emergencies happen; temporary loans from a company like Plain Green Loans can help.
• Set financial goals to save for, like buying a home of taking a family vacation.
• Invest your money wisely and make retirement savings plans.
• Forgo the designer furniture and opt for affordable alternatives; inexpensive isn’t synonymous with drab.