| # | Category | Tip 1 | Tip 2 | Tip 3 |
|---|---|---|---|---|
| 88 | Pet Care | Buy pet food in bulk | Use mobile grooming services | Find low-cost vet clinics |
| 89 | Home Repairs | DIY simple repairs | Hire a handyman for bigger jobs | Use community services for assistance |
| 90 | Rent | Downsize or move to a cheaper area | Look for roommate options | Use rent-to-own programs |
| 91 | Utilities | Switch to energy-efficient appliances | Unplug devices when not in use | Consider fixed-rate plans for bills |
| 92 | Insurance | Shop for cheaper policies | Consider higher deductibles | Bundle policies for discounts |
| 93 | Medical Bills | Use NHS services | Apply for financial help | Negotiate with providers |
| 94 | Student Loans | Explore forgiveness programs | Refinance for lower rates | Use income-driven repayment |
| 95 | Credit Cards | Pay balance in full monthly | Use no-fee cards | Use rewards cards |
| 96 | Loans | Pay off high-interest first | Consolidate loans | Seek debt counseling |
| 97 | Retirement Savings | Contribute to a pension | Use employer match | Open an IRA |
| 98 | Emergency Fund | Save 3-6 months' expenses | Use high-interest savings | Cut spending to save more |
| 99 | Investing | Start with index funds | Choose low-fee options | Use robo-advisors |
| 100 | Financial Independence (FIRE) | Track expenses & budget | Increase savings rate | Invest in passive income |
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