xmrbazaar, sell what you don't need.

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Keep track of your finances - basic, but, keep track at what price you spent monero. If you buy something on xmrbazaar when price is high, then next week Monero price dips 10%, rebuy the amount you spent. You have the same amount of monero + got a product/service on discount. A lot of small optimizations you can make to your savings + spending strategy.