Saving & Spending

In todayís economy, itís hard enough to keep up with the bills, let alone save money. If youíre finding it difficult to do everything youíd like and deserve to do with your money, youíre not alone. The national savings rate is at its lowest since the Great Depression.

Learning how to make a budget and understanding the savings vehicles you have available to you will allow you to prioritize savings and achieve your financial goals.



Saving
Saving can help you achieve any financial goal. Whether itís a comfortable retirement, a down payment for a house, or a new car or stereo, you can get there by setting money aside.

Budgeting
A budget is an outline of your future income and expenditures that you use as a spending and saving guideline. It will help you pay your bills on time, cover unexpected emergencies, and reach your financial goals.

Banking
Choosing the right bank is an important step. As with any financial decision, itís good to sit down beforehand and figure out what you want and need.

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