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090: Kas mul on seda vaja?
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Üks populaarne soovitus oma kulude vähendamiseks on enda käest küsida: "Kas mul on seda vaja?" See aitab vältida ebavajalike kulutuste tegemist. Mulle isiklikult see lähenemine väga ei meeldi. Kuula järgi, miks ja mida ma selle asemel kasutan.
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