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Did you know that the average American household spends $3,000 a year eating out? If you're finding your restaurant bills piling up these 4 tips can help your wallet while still allowing you to indulge from time to time.

You pay your rent, go out to eat several times a month, and have a 401(k). Everything is fine, right? Well, it may be, but your money can likely do even more for you. Here are 5 steps to get your finances organized for 2020 — your future self will be grateful.