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Every year, millions of Americans commit to improving their budget and saving more money. And every year, millions of Americans do not improve their budget and save more money. That's because most Americans do not have a saving problem - they have a spending problem Over the course of 28 days, you are going to take concrete steps to improve your financial foundation by changing your spending habits and the lifestyle choices you make every single day so you spend less and save more. It is time for you to take control of your spending so you can pay off debt, build wealth, and actually be able to work toward reaching your financial goals.