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Most common money moves

What steps did MONEY readers take to improve their financial lives in 2011? The top answers from a survey of 1,600:

Most common money moves
1
Cut back on spending
39%

2
Increased nonretirement savings
28%

3
Invested more conservatively
26%

4
Gave more to charity
20%

5
Increased retirement savings
19%

6
Paid down/off credit card debt
17%

7
Gave less to charity
16%

8
Refinanced a mortgage
14%

8
Changed health insurance
14%

8
Made or updated a will
14%

Source: Source: MONEY Matters Reader Panel poll