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Plan Well, Retire Well

Saving and investing your money
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Happy America Saves Week!

Happy America Saves Week! American Saves promotes saving money and reducing debt all year 'round but this week is a special celebration. Saving money sounds like a good idea. But, how do you save a dollar when you feel like you don't have a dime to spare?

You need a goal that is important to you to work towards. You need to believe that small changes in behavior can make a big difference in savings. And, you need to take action to change your spending.

What do you want to be doing in 5 years? Where do you want to live in 10 years? Do you want a financially secure future in 25 years? Now is the time, to start working towards these goals by saving money.

Does saving enough for a goal seem too difficult? It's easy to put off starting to save. But, what if we think about how much money we can save each week and then see how it can grow over time? $20 a week can make a significant difference in your savings. Think about it -- $20 a week is $1040 a year. You could start a retirement savings account with this money.

If you saved $80 a month in an investment that had a rate of return of 5%, in 15 years you'd have over $21,000. What a wonderful gift to a college-bound child when they graduate from high school. When you realize that a $21,000 goal requires $80 a month, then you can change your spending to find the $80.

For many practical ideas on how to save money, read Strategies for Spending Less at the Getting Through Tough Financial Times website.

Are you ready to take charge of your financial future? America Saves is here to help. America Saves is a nationwide effort to encourage non-saving Americans to save. Enrolled savers receive the American Saver newsletter which offers information on a wide variety of savings topics and introduces you to other Savers who are achieving their financial goals. If you'd like to join America Saves go to

Would you like to share your thougths and tips about saving money? Click on my name below and send me an email; I'll be glad to add it to this blog post!

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