If you’re like most people, you probably have a stable job that gets you paid twice a month on a regular basis. Unfortunately, this also means that you might be among those who think that it’s okay to spend as long as you have enough left to tide you over until the next pay day.

Hopefully, however, the fact that you’re reading this article means that you’ve made it your New Year’s resolution to handle your money wisely. In that case, here are 13 easy and wallet-friendly habits that might help you fulfill that promise:

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