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Ten tips to save money in 2004

"Today" finacial contributor and Money magazine editor-at-large  Jean Sherman Chatzky with advice to get you on the right track in the new year.
/ Source: TODAY

Once again, financial resolutions top our lists of the things we hope to accomplish in 2004. We want to save more, spend less, get out of debt. To get you off on the right foot, "Today" financial editor Jean Chatzky shares 10 things you can do to save money in the coming year.

Spend frequent flyer miles

Experts believe frequent flier programs to undergo a dramatic makeover in the next year or so – and that your miles will be worth less as a result. In other words, it’s time to start using them. You’ll get the biggest bang for the buck by using those miles for longer haul flights, for those you book late (when no discounts are available) and for trips to favorite leisure destinations no matter when you reserve. The bottom line: Use’em or lose ‘em

According to the analysts at Deloitte & Touche, 10 percent of the value of gift cards goes unused

Jean Chatzky is the financial editor for “Today,” editor-at-large at Money magazine and the author of “Talking Money: Everything You Need to Know About Your Finances and Your Future.” Information provided courtesy of Jean Chatzky and Money magazine. Copyright © 2003. All rights reserved. For more financial advice, visit the Money magazine Web site at: