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The Annual Federal Spending Frenzy Is a Terrible Year-End Tradition: New at Reason

What do you do if you wind up with a little extra money in your household budget at the end of the year? Perhaps you pay down your credit card debt or save it for an earlier retirement. Maybe you replace old appliances or go on a much-needed but unplanned vacation. One thing is clear: Because you're spending your own cash, you make sure to get as much out of it as possible.
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