65 Tips to Save Money Through Self-Reliance


Posted on 16th January 2014 by Administrator in Economy |Politics |Social Issues

Apply a do-it-yourself approach to personal finance to significantly reduce your living expenses. Follow these tips to save money from our community of readers and experts to start living on less today.
February/March 2014

Throughout the years, MOTHER EARTH NEWS readers have proved to be a clever lot. You’ve shown time and again that you can save a bundle when you apply resourcefulness and a little elbow grease to home economics. Frankly, our consumer culture pressures many of us to live above our means. The good news is that making a personal and household commitment to a more frugal lifestyle can be a fulfilling, healthy choice — and the following tips to save money can start you on that journey. Imagine what your life will be like when you slash your grocery or utility bills in half, or when you’re able to pay down your mortgage.

We’ve assembled the following tips to save money from you, our readers, and from our Amazin’ Archive — 44 years’ worth of articles about living on less and loving it.

After you read our selections, find more details for how to implement the tips that interest you by clicking on the links that follow each tip.

Saving Money on Shelter & Clothing

According to the U.S. Census Bureau, the average U.S. home built in 2012 was 2,505 square feet. For many families, that’s much larger than necessary. Sizable homes are more expensive to build, heat, cool and maintain. If you’re able to reduce your home size to a cozier and more practical fit that still meets your needs, savings will follow. No matter the size of your house, here are ways to keep your construction, living and maintenance costs down.

1. Learn how to be your own plumber and electrician. Check out how-to books from the library or invest in a class at a vocational school. Read more: Be Your Own Plumber.

2. Join or start a tool-lending library. Power tools are expensive and often only needed for a short time to complete a single project. Read more: Start Your Own Tool-Sharing Program.

3. Build with salvaged materials or scrap materials reclaimed from construction sites. Visit Habitat for Humanity ReStores, search your nearest city’s Craigslist posts, or check with the owners of demolition companies. Read more: Save Money With Used Building Materials.

4. Barter construction labor with friends or neighbors. Read more: Successful Swaps and Barter Agreements.

5. If you’re not ready to own a house, seek an arrangement to provide your labor in exchange for room and board. This is common on farms or in households in need of nannying services. Read more: Volunteer for Sustainable Organic Farming Opportunities.

6. When shopping for land, save on a real estate agent’s commission by browsing for homes listed for sale on the Internet or talking with neighbors and landowners directly. You may even discover an owner willing to sell a plot that’s never been listed. Read more: How to Buy Farmland, Even If You Think You Can’t.

7. Scour thrift stores and consignment shops for unique and affordable clothes.

8. Knit, crochet or sew your own clothes. At the least, sew on new buttons, darn socks, patch jeans and learn how to repair clothing you already own before buying new. Read more: How to Knit and Crochet.

9. Forgo the cost of running a clothes dryer and instead string a clothesline in your yard or on a porch or patio. Put up a line in a greenhouse or sunroom in order to air-dry garments during cold or wet weather, or invest in fold-up clothes-drying racks for indoor use. Read more: The Convenient, Sturdy Outdoor Clothesline.

10. Organize a group clothing swap to trade your gently used threads for new-to-you apparel.

11. Cut your family members’ hair yourself. A quality set of clippers will cost less than $50. Read more: The Tao of Cutting Your Hair.

12. Make your own body care products. Most store-bought options can be replaced by some combo of just four ingredients: water, beeswax, and various edible and essential oils. Read more: Herbal Skin Care Basics: Tools, Ingredients, Recipes.

Saving Money on Food & Gardening

Hold on to your grocery and restaurant receipts for one month to track where your food dollars are going — you might be surprised by what you learn. Many North Americans spend nearly half of their food budgets on restaurants and fast food. Avoid most of that expense by cooking at home: Home-cooked meals cost less, and you’ll cultivate a closer relationship with your food because you’ll know exactly what goes into it.

13. Prepare big batches of food on weekends and refrigerate or freeze leftovers for use throughout the week. Take your own lunch and snacks to work.

14. Forgo pricey coffee-shop lattes by drinking coffee at home and filling your to-go cup for the road.

15. Buy raw ingredients in bulk rather than prepackaged or prepared foods. Start or join a bulk food co-op and place orders directly with food companies to further cut costs. Read more: Save Money on Groceries.

16. Make your own food staples. For example, home-baked bread can cost about 50 cents per loaf, and homemade cheeses cost about one-third of what you’d pay at the store. Read more: Delicious and Easy Homemade Bread; Easy Cheesy: 4 Super-Simple Recipes.

17. Buy dry beans in bulk at a fraction of the cost of canned products, and pressure-cook them to save time. Pressure cooking also tenderizes inexpensive, tougher cuts of meat in a fraction of the time that conventional cooking requires. Read more: Pressure Cooking Basics (Video).

18. Avoid supermarket prices by organizing a larder swap where you and your friends can trade dried, frozen and canned goods or ready-made meals. Read more: Local Homesteading Groups: Why You Need One.

19. Purchase in-season fruits and vegetables at your farmers market and preserve them to eat year-round. Read more: Collection of Food Preservation Techniques.

20. Cold frames, hoop houses, cloches and other cold-weather gardening devices can help you stretch your home food production further into winter and start up again earlier in spring. Read more: Year-Round Gardening: Our Best Plans for Greenhouses, Hoop Houses, Cold Frames and More.

21. Commercial organic fertilizers tend to be overpriced. Instead, you can use grass clippings from herbicide-free lawns — they contain about 2 to 5 percent free nitrogen. Read more: Build Better Soil With Free Organic Fertilizer!

22. Start vegetables from seeds rather than buying seedlings. Save seeds from your heartiest plants and attend (or organize) a seed swap to trade with other local gardeners. Read more: Best Tips for Starting Seeds Indoors; How to Organize a Community Seed Swap.

23. Learn how to hunt and fish. Deer and other wild game will stock your freezer with delicious, lean meat for the price of a hunting license and initial equipment purchases. Read more: Why I Eat Wild Meat.

24. Even in urban and suburban areas, ordinances often allow you to keep a few backyard chickens for egg or meat production. Super-fresh eggs from backyard hens will cost as little as $1.40 per dozen for feed, and you can raise meat birds for about $3 per pound. Read more: How to Raise Chickens in Your Backyard; Raising Chickens for Meat: Do-It-Yourself Pastured Poultry.

25. Do you have children and go through a lot of milk? Love cheese and yogurt? Keep a couple of goats or a home dairy cow, which can produce more than $3,000 worth of milk each year. Read more: Raising Dairy Goats and the Benefits of Goat Milk; Keep a Family Cow and Enjoy Delicious Milk, Cream, Cheese and More.

Saving Money on Family Health

Health care spending in the United States averaged $8,402 per person in 2010 — 72 percent higher than a decade earlier. What herbalists and thrifty parents have known for millennia, however, is that matters of health can often be taken into your own hands for a fraction of the cost, especially when your goal is to prevent illness.

26. Turn the outdoors into your personal gym. Aerobic activity, coupled with a set of dumbbells you keep at home, can eliminate your need for a gym membership. Research shows that being in nature for even a few minutes at a time reduces stress hormones, which in turn boosts immunity. Read more: Your Brain on Nature: Forest Bathing and Reducing Stress.

27. Eating well may be the most enjoyable form of preventive medicine. Organic foods stock your body with nourishing nutrients and are free of toxic chemicals.

28. Grow medicine in your backyard! You can make many effective herbal remedies at home using kitchen equipment you likely already own. Read more: 75 Safe and Effective Herbal Remedies.

29. Mental happiness translates to physical well-being. Find happiness in the stress-reducing aspects of simple living, and your body — as well as your mind — will be less prone to illness. Read more: Simple Living: How to Save Money and Smile More.

Saving Money on Home Energy

Take these steps to improve your home’s energy performance, and you’ll enjoy a triple win: lower utility bills, a smaller carbon footprint and a more comfortable home. Before investing in a solar- or wind-energy system, make your home as energy-efficient as possible. An efficient home requires less energy to run, meaning you’ll be able to purchase a smaller, less expensive renewable energy system. To see calculations that outline just how quickly the measures below pay off, read 8 Easy Projects for Instant Home Energy Savings.

30. Plug your appliances into power strips, and flip the switch off when you’re not using them. This will eliminate “phantom loads” from many appliances that continue to pull power when they’re plugged in but not in use. Read more: Zap Phantom Loads to Save Energy.

31. Adjust your computer’s power-management settings so that it powers down into sleep or hibernate mode after several minutes of inactivity. Read more: Reduce Computer Energy Use.

32. Replace inefficient incandescent light bulbs with light-emitting diode (LED) bulbs or compact fluorescent lamps (CFLs). The initial investment will pay for itself after one to three years, and the savings will continue for the remaining life of the bulb — up to 50,000 hours for a quality LED. Read more: Lighten Up With Energy-Efficient Light Bulbs.

33. Rather than relying on air conditioning, open and close windows to regulate home temperature, and use fans to move air throughout your home. Read more: Natural Cooling Strategies.

34. If going AC-free is too challenging in your climate, set your thermostat at 70 degrees Fahrenheit or higher. For every degree you increase your thermostat, you will save seven to 10 percent on cooling costs. Read more: Five Tips to Help You Lower Your Utility Bill.

35. Paint your home — or, better yet, your roof! — a light color to decrease heat gain. Read more: Make Safe, Natural Paint; How to Paint Your House.

36. Wash your clothes in cold water. Friction, rather than heat, does most of the cleaning.

37. Replace your old fridge or freezer with an Energy Star model to save up to $1,000 on energy costs over the appliance’s lifetime. Read more: EPA Strengthens Requirements for Energy Star Appliances.

38. Seal and insulate heating ducts. The cost to insulate ducts is only about 25 cents per linear foot of ductwork, and unsealed ducts can lose up to 30 percent of heated air through cracks and openings. Read more: Insulation Pipes and Heating Ducts; Insulating Your Home Can Save You Money!

39. Insulate your windows with transparent acrylic panels, insulative clear plastic or bubble wrap secured to the interior of your window frames. Read more: Find the Best Energy-Efficient Window Treatments.

40. During cold weather, use a heated mattress pad to keep you warm at night. Similarly, wear sweaters and use a small space heater in a room you can close off. You can then turn down your thermostat. Read more: 8 Easy Projects for Instant Home Energy Savings.

41. If you live in a suitable area and have access to a woodlot, heating your home with a woodstove can reduce your energy costs. Read more: How to Choose the Right Woodstove.

Saving Money on Transportation & Travel

Forty percent of all automobile trips are less than 2 miles. Walking these miles paves the way for you to save at the gas pump while reducing stress, fostering a greater connection to your environment and getting in a workout. More than 80 percent of North Americans support increased federal funding for biking and walking, and at least 16 of the nation’s major public transportation systems reported record ridership in 2012. Clearly, the first step to cutting transportation expenses should be the step you take away from your vehicle.

42. Ride a bicycle. Leave your car in the garage and consider an electric-assist bike for sweat-free commuting. Read more: Ride Green With Electric Bikes and Scooters.

43. Take advantage of car-sharing or bike-sharing programs rather than owning and maintaining a vehicle. Read more: A Growing Trend, Car Sharing Offers a Different Mobility Option; Bike-Share Programs Across the World.

44. Save all of your errands that require a vehicle for a single trip.

45. If you commute by car, set up a carpool with your co-workers to save fuel. Read more: Get With a Carpool: Save Money, Get the Good Lane.

46. Learn how to change your own oil and perform other maintenance on your vehicle to avoid service fees. Read more: How to Change Oil in Your Car or Truck.

47. When shopping for a car, buy the most fuel-efficient model that meets your needs. The difference between a 16-mpg model and a 14-mpg model, for instance, can reach $400 in fuel costs annually. Read more: New Fuel Economy Labels: What You Need to Know; Best Fuel-Efficient Cars by Each Automaker, Now and Later.

48. “Hypermiling” means adjusting your driving habits to save fuel, and these tactics can help you achieve up to 40 percent more miles per gallon. Drive slower on highways, brake less and accelerate smartly. Read more: Every Gallon Counts: Hypermiling Tips to Save Gas; How to Calculate Gas Mileage.

49. You can produce your own ethanol for an ongoing cost of less than $2 per gallon. Just 2 acres of corn can produce enough ethanol to drive 10,000 miles. Read more: Make Your Own Fuel! Alcohol Fuel Basics; Build a Small-Scale Ethanol Fuel Plant.

50. Alternatively, convert your diesel-powered car or truck to run on vegetable oil. You could even build a wood gasifier unit to run your pickup on waste wood from a sawmill. Read more: Wood Gas Wizard; Wood Gas Generator: Run Your Truck on Firewood!

51. When flying, be flexible. Many airlines overbook flights and offer a free trip at a later time to those who are willing to give up their seats.

52. Home swap so you can enjoy free lodging in a new location. Check out AirBnb to find homeowners willing to rent out their homes to travelers, or crash on someone’s couch by connecting with hosts on Couchsurfing.org.

53. Explore where you live. Plan a “staycation” to travel locally and discover something wonderful within a 50-mile radius of home.

54. When renting a car or truck for a trip, choose a model with fold-down seats and pack a sleeping bag. That way, your rented ride can double as instant, snug lodging.

Saving Money on Education

Rising tuition costs coupled with stories of college graduates unable to find work are discouraging to those hoping to further their own education or plan for their children. Meaningful education can come from a variety of avenues aside from expensive university courses, such as vocational trainings, skills workshops and community-based classes.

55. For the college-bound, consider taking most course requirements at a community college, and then transferring your credits to a university to complete your degree. Read more: International Homesteading Education Month’s Event Listings.

56. Attend an in-state, public university, which will subsidize residents’ tuition. If you want to attend college out of state, first establish residency in that state to save big on tuition.

57. Source used textbooks online, at a bookstore that sells used books or directly from other students. Coordinate with students in your degree program early so you can swap books.

58. Audit classes for which you want the knowledge but don’t need the credits.

59. Free video lectures on topics ranging from art history to economics can be viewed online at Khan Academy and Academic Earth. Some universities, including Yale and Utah State, also offer open courses.

60. Trade skills: If you play the piano, for instance, trade your musical training for a photography lesson.

Saving Money on Entertainment

Modern society has replaced creativity with consumption. We choose carryout in place of preparing a home-cooked meal; we listen to music rather than making it. But as Shannon Hayes explains in her book Radical Homemakers, prepackaged pleasures pale in comparison with the joy that comes from fixing, making and tinkering with things. To be entertained isn’t always a passive experience, nor is it wholly personal. Part of the pleasure of attending a community play, visiting an art museum or catching a Little League game is in sharing that time with others.

61. Use free hot spots to avoid paying for Internet use. Some towns enjoy free citywide wireless service.

62. Ditch your TV, or at least your cable service. The average cable subscriber pays about $128 each month for service and associated fees — more than $1,500 per year. If you do watch TV, move your set to a less-used part of your house to discourage mindless viewing. Read more: End Your Family’s TV Addiction.

63. For a night out without the kids, trade babysitting time with other families or join a babysitting co-op. Break the bank: Build Your Local Economy.

64. Cities and towns offer a cultural smorgasbord of free and inexpensive events. Check online bulletins and local announcement boards for summer movies in the park, art gallery openings, benefit concerts and more.

65. During the holidays, save a bundle on gift-giving by crafting handmade gifts. If you do buy gifts, discuss with loved ones the possibility of setting a gift-spending cap. Read more: Handmade Holiday Gifts: Ideas From Our Facebook Friends; 15 Homemade Holiday Gift Ideas.

These tips are only the first steps toward financial freedom. We know you’ll discover more ways to save, because when you tackle projects yourself and embrace the joys of simple living, your pocketbook — and your mind — will instantly reap the benefits.

  1. Anonymous says:

    Excellent post. Tons of good ideas and information.

    Well-loved. Like or Dislike: Thumb up 7 Thumb down 0

    16th January 2014 at 2:11 pm

  2. Dutchman says:

    My grandfather was in the HVAC business. Besides inheriting his mechanical abilities, I learned a lot about every day electrical / plumbing, etc.

    I fix almost everything we own and it saves a ton of money. It’s well worth it to take some cheap adult ed courses to learn about maintenance.

    Well-loved. Like or Dislike: Thumb up 7 Thumb down 0

    16th January 2014 at 2:22 pm

  3. Billy says:

    Good post..

    I remember a couple years ago, elsewhere on the web, when I said that we had just bought a farm and were planning on raising cotswold sheep. Mentioned the fact that I have blueprints from the Smithsonian for a 6 heddle loom for making wool cloth… hinted at making our own clothes..

    MAN!! You would have thought I just confessed to being the grassy knoll shooter. I got BURNED DOWN. Called a faggot, all sorts of shit…

    Fast forward a few years, and here’s a list that basically advocates making your own clothes (and/or repairing what you got…)…

    Just can’t fucking win…

    Well-loved. Like or Dislike: Thumb up 11 Thumb down 0

    16th January 2014 at 6:27 pm

  4. SSS says:

    Fun, educational post.

    “Cut your family members’ hair yourself.”
    —-from the article

    I’ve said this in the past, but it might bear repeating. I’ve cut my own hair for about 20 years. Buzz cut because I’m balding and not at all egotistical (heh). Not too tricky. Put the clippers on the closest setting, look in the mirror, and shear away. Even I can do that.

    Estimated savings over 20 years: $5,000 – $6,000. Not too shabby.

    Well-loved. Like or Dislike: Thumb up 7 Thumb down 0

    16th January 2014 at 8:24 pm

  5. SSS says:

    “I’ve cut my own hair for about 20 years. …… Estimated savings over 20 years: $5,000 – $6,000. Not too shabby.”
    —-SSS above

    Actual photo of SSS after his first attempt to cut his own hair.


    Well-loved. Like or Dislike: Thumb up 6 Thumb down 0

    16th January 2014 at 9:16 pm

  6. card802 says:


    “Just can’t fucking win…”

    There’s a saying, “Live like no one else today, so you will live like no one else tomorrow.”

    You’ll win hands down for the meek shall inherit the earth, right? You hillbilly’s aint so meek but I think you’re smart enough to keep your heads down in the hills when the shit hits the fan, protect your own, let the FSA kill themselves over scraps.

    Well-loved. Like or Dislike: Thumb up 6 Thumb down 0

    16th January 2014 at 7:04 am

  7. Nonanonymous says:

    I’ve my own hair for 16 years. My two daughters let their hair grow long after a few years of paying for haircuts once every couple of months of so. That gets old quick.

    Now they get it cut maybe every 6 months. They don’t let me touch their hair.

    My wife would love to get her hair done every couple of months, but she’s resigned herself to the girl’s schedule. At least I was able to talk her out of perms when we got married.

    Well-loved. Like or Dislike: Thumb up 5 Thumb down 0

    16th January 2014 at 7:46 am

  8. efarmer says:

    My wife got a Flowbee many years ago, I also haven’t been to a barber for a LONG time. Difference between SSS and me is I have a full head of thick hair. It does a great job. http://www.flowbee.com

    There are a lot of good points in the article. I just had to chuckle as these things are common knowledge for someone who grew up poor in farm country. Really just second nature.


    Well-loved. Like or Dislike: Thumb up 5 Thumb down 0

    16th January 2014 at 8:30 am

  9. TeresaE says:

    Wow did I marry into the wrong family – both for my personality and for the future preparedness.

    At Wigalia, hub’s adult, married, nephew, was wearing a new suit jacket. His mom asked what happened to the one he bought the previous year.

    He donated the $200 jacket to Goodwill because it lost a button and neither him, nor his wife, could figure out how to sew it on!

    I. Shit. You. Not. There, at their fingertips, in their very pockets, sits the worlds’ largest university and it costs NOTHING to attend. Yet, they do not even think of it. Apparently the internet is for work, porn and facebook, nothing more.

    Recently I discovered how to fix zippers that have split. I ran through my sewing box, my big closet and my attic, fixed two winter coats, a couple pair of dress pants and three or four bags (purse, backpack, duffels) which I had saved because it kills me to throw out a perfectly good item due to one failure. Things like that justify my hoarding – well, in my mind, at least.

    I have to say that the biggest tip to save money through self-reliance is to make sure you hook up with someone like-minded.

    Being the only one in a household that believes in these things is tough, lots of hard work – done alone, lots of putting up with being mocked, and a whole ton of being intentionally sidelined and halted in a passive-aggressive way that I’ve grown to detest to the point of seeing red.

    And, do yourself a favor (if now single), don’t believe in the lip-service of frugality and self-reliance. Get in there and do a couple projects together first.

    Had I done that I wouldn’t find myself in the (shit) creek without a paddle like I do now.

    Live and learn. And learn the difference between frugal living, and being freaking cheap.

    Well-loved. Like or Dislike: Thumb up 6 Thumb down 0

    16th January 2014 at 10:09 am

  10. gubmint cheese says:


    I keep my 4 tool rollaways against the garage wall closest to the road, so people driving down the road have no idea what I have in my garage.
    It gives them less incentive to steal if they have no idea what you have.

    BTW ,I used to be able to remove the M21 transmission myself in my old Chevelle SS in 10 minutes. How ?
    Because I got good at it. The L79 327 ‘vette motor had a way of eating them up.

    Like or Dislike: Thumb up 3 Thumb down 0

    16th January 2014 at 10:18 am

  11. cahuitabeachbound says:

    He left out road kill and scouring garbage cans.

    Like or Dislike: Thumb up 3 Thumb down 0

    16th January 2014 at 11:15 am

  12. cahuitabeachbound says:

    Cutting your own hair and then passing accolades on its looks……

    Like or Dislike: Thumb up 3 Thumb down 0

    16th January 2014 at 11:16 am

  13. cahuitabeachbound says:

    #55 is an EXCELLENT idea.

    Like or Dislike: Thumb up 2 Thumb down 0

    16th January 2014 at 11:18 am

  14. SSS says:

    Holy shit. Efarmer posts a link to the Flowbee hair clippers website, where you can buy one for 80 bucks plus S&H. 115 bucks if you add the “mini vac” to the system. My clippers cost 14 bucks at WalMart and have lasted 10 years thus far. So there.

    Then efarmer announces he has a full head of hair. Well, la dee da. Isn’t he special? I hope the mini vac goes haywire and sucks out his brain one of these days. Heh.


    Like or Dislike: Thumb up 2 Thumb down 0

    16th January 2014 at 11:30 am

  15. The Dude Abides says:


    You win for taking the path less traveled in this instance. I may disagree with some of the other shit you post on this site, but when it comes to homesteading you’re a good egg — someone I could probably learn a lot from as you’re much further down that path than me.

    Who gives a fuck what anyone else thinks about taking the homesteading path? Take it because YOU know it’s the right thing to do. Only in a society that’s gone completely insane would the idea of self-reliance seem a crazy idea.

    Like or Dislike: Thumb up 4 Thumb down 0

    16th January 2014 at 11:33 am

  16. SSS says:

    “55. For the college-bound, consider taking most course requirements at a community college, and then transferring your credits to a university to complete your degree.”
    —-from the article

    “#55 is an EXCELLENT idea.”

    Yep. That’s exactly what we did with our younger son. Saved tens of thousands.

    Like or Dislike: Thumb up 3 Thumb down 0

    16th January 2014 at 11:41 am

  17. Zarathustra says:

    SSS, you cut your own hair too? I’ve been doing it for years. I use scissors.

    Like or Dislike: Thumb up 2 Thumb down 0

    16th January 2014 at 11:59 am

  18. bman says:

    have to add about textbooks…I’ve often found the prior edition of a textbook for a fraction (once I found an econ book for $1.75) of the price–typically identical books, just some changes in the layout.
    If you have to have the current edition, renting from Amazon is a good option.

    Like or Dislike: Thumb up 0 Thumb down 0

    16th January 2014 at 9:16 pm

  19. a cruel accountant says:

    Saved thousands using youtube. I fixed my dishwasher, dryer, snowblower, garage door opener. All by watching youtube videos.

    Most of easy and quick stuff. The heavy or too technical or dangerous time counsuming stuff I leave to the pros.

    Like or Dislike: Thumb up 1 Thumb down 0

    16th January 2014 at 1:53 pm

  20. a cruel accountant says:

    This is new MOOCs Massive Open Online Course. Never tried it. Charles Hughes Smith just published a book about it.

    Like or Dislike: Thumb up 0 Thumb down 0

    16th January 2014 at 2:06 pm

  21. KaD says:

    Another one: Limit or forgo pets. In a study keeping a medium size dog, eating average kibble and getting only routine vet care, was about $1200 a year. If your dog lives to 14 that’s over $16,000.

    Like or Dislike: Thumb up 1 Thumb down 0

    16th January 2014 at 10:14 pm

  22. 65 Tips to Save Money Through Self-Reliance « The Burning Platform | Saving Money says:

    […] Read the original here: 65 Tips to Save Money Through Self-Reliance « The Burning Platform […]

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    16th January 2014 at 3:28 pm

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