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Saving Money in the New Year
Simple Steps to Ensure a Bright Financial Future
If you made it through the holidays without dipping into your savings account, then you should congratulate yourself. You're part of a small, select group who survived the pressures of the season, without blowing the budget.
If you're like most people, however, the winter holidays meant digging into your hard-earned savings, solely for the purpose of memorializing the occasion for those you love. On the one hand, it's a very noble cause. On the other, it makes little financial sense. So, what are we to do?
Here's one answer. By enacting a plan now, just as 2007 gets underway, you can ensure that your family will have a wonderful holiday when the end of the year rolls around. At the same time, you'll have a better chance of keeping your savings intact. If this sounds good to you, then keep reading because it only gets better.
Here at YOU Magazine, we believe a major key to saving money is identifying wasteful spending habits. Once waste is minimized, the difference between what you spend and what you would have spent can now be saved. The first thing you will want to do is open a separate savings account, preferably an account which carries a higher interest rate than your checking or Money Market Account. We recommend a separate savings account for this purpose because it creates autonomy between your "nest egg" savings and the money you're saving for a specific use.
Be sure to examine the savings accounts your current bank offers and compare them to those of other financial institutions. Try to find the highest interest rate available while maintaining easy access to the account and avoiding fees.
Now that a separate savings account has been established, let's start trimming the fat. The following are areas where most of us waste money without realizing it:
Meals at the Workplace
Utilize the Public Library
Don't be Afraid to Ask for Discounts
Sell your Junk
Do Away with Disposable
Get the Most Out of Your Utilities
Setting Money Aside
Now, you're probably thinking that there's no way you're going to accomplish everything on this list. The good news is, you don't have to! By implementing just a few of these suggestions, you'll still set aside money that you wouldn't have otherwise. Besides, these aren't the only ways to cut waste. Take a look around your house and at your daily routine. Figure out other ways you could be saving money. The key is to take action and put the savings aside. You'll be amazed at how much you can accomplish in a relatively short amount of time!
While you're at it, why not review your credit card statements and determine whether now might be a good time to consolidate outstanding debts? If you are carrying balances on your credit cards, then you may be costing yourself thousands each year without even realizing it. Homeowners should turn to their mortgage professional for advice regarding the many loan programs available that could help free them from this financial burden.
Here's to a bright financial future in 2007!
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