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Sixty-two percent of consumers say they have problems with spending as well as saving, according to a poll by the National Foundation for Credit Counseling.

“The good news is that having a problem with both spending and savings is actually just one problem: spending,” says Gail Cunningham, spokeswoman for NFCC.  “The bad news is that overspending is often tied to deep-rooted behavior, making it very difficult to change.”

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