“Financial discipline is one of the biggest keys to financial success,” said Sharon Epperson, CNBC senior personal finance correspondent, host of CNBC’s “Retire Well” and a 2018 Best Money Expert nominee. “Keep track of your spending: record purchases in a journal and stay accountable. With online spending, debit cards and credit cards, it can be easy to consistently splurge — but if you set financial goals, you can stay away from unnecessary purchases on a whim that will keep you from having that savings account, paying off that loan so you can stop collecting interest, or saving for the retirement you deserve.”
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