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Berhemat versi saya begini: Setiap kali menerima gaji, langsung alokasikan dana untuk ditabung di awal. Pindahkan sebagian uang ke rekening tabungan yang tidak memiliki akses m-banking atau kartu ATM, agar lebih sulit diakses dan tidak mudah tergoda untuk digunakan. Usahakan menabung ...
