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Cut your cell phone bill. Some carriers with basic service are as low as $20 a month. Switch to basic cable and drop the other cable upgrades to save too.

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Canada has what get call a national sales tax or ACT/SAT classes something added tax (VAT). This Goods and Services Tax (G.S.T.) of 5 percent (as at January 1, 2008) is applicable to many Canadian payments.

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