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The Outlook: Like most Americans, you’re probably pledging to save more next year — already savers are socking away cash at a better pace than they have in years (3.7% of income recently, up from just 0.2% in early 2008). Pat yourself on the back — because your thriftiness won’t be rewarded with much more than that anytime soon.

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Make money in 2010: Your savings and credit (CNN Money)