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Steps to Lowering Debt and Saving More Money for Your Retirement

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The start of a new year is a good opportunity to embark on strategies to lower your debt, increase your savings and maximize your retirement portfolio even if you were not among the fortunate ones to receive a raise or bonus.

Ramping up the balance in your 401(k) or IRA while reducing your credit card debt and increasing your rainy day fund for emergencies can be achieved by paying fewer fees and taxes and devising a plan.