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Plan Well, Retire Well

Saving and investing your money

America Saves: Do You?

Today is the final day of America Saves Week . America Saves is a national campaign to persuade Americans who have little or no savings to "build wealth, not debt." Savers identify a savings goal and take action on a plan to achieve it. The America Saves program is free and motivational. Check out monthly messages from America Saves e-wealth coaches:...

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America Saves: PowerPay Your Debt

Want to save money? Get out of debt. PowerPay will help you get there faster. This online tool was created by our sister Extension organization in Utah. Using it, you will create a schedule showing you how to pay down your debts by appying three simple strategies: How much above the minimum payment can you afford to pay each month? Do you have...

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America Saves: Thought for the Day

Worth taking time to think about: Like a traveler who has no map, if you don't have financial goals or a plan to achieve them, you won't get very far. Financial planning is very much like planning a trip. You need to know where you want to go, when you want to arrive, how you plan to get there, and how much it will cost. Once you have determined your financial "destination," savings wil...

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America Saves: Automatically

What does your morning routine look like? Mine goes like this: let the cat out, pick up the morning newspaper, turn out the porch light, start the coffee pot. No thought involved -- it's all automatic! Research shows that many people who save and invest effectively do so because their money management is also automatic. For example, one relatively painless way to save is to automate you...

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America Saves: An Offer That's Truly Too Good to Refuse

Want some great financial advice from some of the nation's leading financial experts...for free? Seriously, this service really exists and nobody is trying to sell you anything. The America Saves program posts monthly messages from e-wealth coaches about topics related to savings and personal finance. To view what they have to say, see: http://bit.ly/hSJn...

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America Saves: Two Easy Ways to Save a Lot, Fast!

Here are two good tips for ways to build a significant amount of savings fast . Continue Paying A Loan If you're about to pay off a loan, continue making the same monthly payment – to yourself! You'll never miss it. First, decide where to deposit the money - a savings account, money market account, IRA account at your bank or mutual fund company, investmen...

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America Saves: Reach Your Goals

Where do most people get the money to invest for future goals? Some receive lump sums, such as pension distributions, settlements, and inheritances. A few lucky people win the lottery or some other big prize. Most people, however, get money to invest the old fashioned way: they earn it and then they save it. Setting goals can provide the motivation needed to reduce spending today in ord...

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America Saves: Save on Food and Energy Expenses

Some kinds of expenses are harder to cut that others. Here are ideas for cutting two kinds of expenses can can pay dividends right away. One household expense where significant savings can often be found is the family food bill. The next time you go food shopping, take a good look at what's in the cart before checking out. Are there expensive snacks or convenience foods that you can do...

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America Saves: An Oldie but Goodie

Ask a financial planner how people can increase their savings and you're likely to hear the phrase "pay yourself first." This means setting aside money from each paycheck as soon as you earn it, rather than waiting to see what, if anything, is left at the end of the month. In other words, savings is a top priority in your budget like rent. The best way to "pay yourself first" is to use...

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America Saves: Think BIG and small when saving money

Saving money can be a challenge! How can we get started? To save effectively you might need to do the BIG stuff (like save through an employer-sponsored retirement plan) as well as do the SMALL things that add up over time. Here are two America Saves tips to help you move forward with your saving goal: 1. Do you participate in a work-related retirement savings program? According to...

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America Saves: Watch Your Back, uhh, Bank

Do you know how much money is in your bank account? America Saves urges you to avoid overdraft fees by keeping track of your spending. The $20-40 you could save each month by not bouncing checks or overdrawing could put nearly $500 in your emergency savings account. For more savings tips, visit: http://bit.ly/fLuD29 ....

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America Saves: Let's Get Started!

In observation of America Saves Week, we'll be posting numerous tips on our blog this week to help you save. Do you use cash for small purchases, and end up with bothersome change in your wallet or pocket? Save your loose change! According to America Saves , saving fifty cents a day over the course of a year will allow you to save nearly 40% of a $500 emergency fund. Remember, s...

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Make It a Habit You Can't Break: Save Money

Across America there's an amazing sound: "clink, clink, clink." It's the sound of savings accounts adding up and revolving credit card balances going down! Personal saving as a percentage of disposable personal income was 5.3 percent in December, accordin...

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What to do first? Pay down debt, build emergency fund, or save for retirement?

We all want to "do the right thing" with our finances, but sometimes it's hard to know what the right thing is. A question recently came to me about a person who has large student loans and credit card debt. She is working in a low wage job, not yet able to find a position in her field. She's living with a friend and has kept current on all her debt payments. She even manages to have just a lit...

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