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If you are like most other people, when you decide that it is time to take hold of your financial situation and start improving things, you are most likely going to focus on the big things first. The reason that this is the strategy that is adopted by most who are trying to improve their finances is that it allows them to see the most significant results in the shortest amount of time. While it is true that it can be very useful to make these changes in your life and it would be unwise to completely ignore them, it is also important to acknowledge the fact that these are not the only options that you have at your disposal. In reality, not only should you be focusing on the bigger issues within your personal financial situation, but you should also be looking at the smaller areas that have the potential for you to save additional sums of money each month.