dental/dentist - take care of your teeth by seeing the dentist 2/yr it will cost you far less than if you have to have a major surgery for neglecting them.

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dairy - if you have a dairy farmer near you it is cheeper to buy milk and cheese from them.

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discount stores - utilize them for items you would normally buy at Target or the grocery store. Some like Big Lots also offer furniture and electronics.

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daylight savings - use that as a benchmark to change your fire alarm batteries so you are not changing them more than twice a year and wasting money on batteries

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deactivate - memberships or credit cards you don't use

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December - stock up on gifts for the year (b-day, anniversary, get well, mother's day, fathers day, etc) when stores hold 75% off sales. You can pick up decorating supplies and wrapping paper for the following year dirt cheap.

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deep freeze - utilize it to the maximum to cut down on how hard it has to work to keep things cold. Do once a month freezer meals to fill it up and save money througout the month

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deer - if your dh or someone you know hunts - get the deer cut up and packaged for freezing (deep freeze) the meat will last over a year.

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deficit - don't let this happen. Proper planning of your finances will help and not get you in trouble.

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defective items - ask for a discount if the item can still be used or if you can fix it inexpensively (more than the discount given)

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