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Tip number four is about reducing debt. It's important to prioritize paying off high interest debt, such as credit card balances, because the interest can eat into your savings. If possible, consider consolidating or refinancing to lower your interest rates. Tip number four. Reduce your debt. Focus on paying off high interest debt first, such as credit card balances. The interest on these debts can quickly eat into your savings. Consider consolidating or refinancing to lower your interest rates if possible.