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CLUB DUES
Here are 10 ways to raise cash if you're struggling each month to add to your account:
• Sell a gift card received as a gift. CardAvenue.com, PlasticJungle.com and Swapagift.com allow selling and trading.
• Put part of your tax refund in the Christmas Club.
• Add proceeds from a garage sale.
• Sell items on eBay or Craig'slist.
• Put some of your birthday money in the fund.
• Save 20 to 40 percent on groceries at Aldi.
• Give up an expensive habit for a month -- gourmet coffee or lunch at restaurants.
• Comparison-shop by phone when it's time to renew your auto, home or renter's insurance.
• Extend the time between haircuts by a week or two.
• Buy Mary Hunt's new book, "Debt-Proof the Holidays" ($15, DPL Press), for more tips and inspiration.
JOHN EWOLDT
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