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While this may seem obvious, it's also backed up by an economic concept called the time value of money (tvm).

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Getting money back from a money order you didn't use depends on where you purchased the money order and the requirements of the businesses in your area that cash them. When was the last time you used a gold coin to purchase something — if you have at all? Today, that may sound like something only a pirate would do, but gold and silver coins were the norm until just a few centuries ago. If you're paid monthly and you don't budget well, you might end up with no cash before payday. Whether you're saving for something specific like reti.

While this may seem obvious, it's also backed up by an economic concept called the time value of money (tvm).

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