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Build a $1,000 Emergency Fund

Guest Blogger: Katie Bryan, America SavesSmall-arrow-for-disclosure

Do you have $1,000 set aside for emergencies? If you already do, you could probably use another $1,000 in that account. Experts recommend keeping at least three months expenses in a reliable, liquid account – but even an extra $1,000 can be a life-saver. However, finding $1,000 to save isn’t always easy. That’s why we’ve put together this 4-step plan on how to save $1,000 in 10 months.

Find a Safe Place to Save Your Money – You will…


Balancing Your Savings: Retirement vs. Everything Else

Guest Blogger: Katie Bryan, America SavesSmall-arrow-for-disclosure

Should I save money or pay down debt? Should I pay for my child’s education or save for retirement? Should I pay down my student loans or build my savings? These are valid questions, as many of us have multiple savings and debt repayment goals to achieve at the same time. Figuring out how to prioritize them can be a struggle.

The good news is that in most cases, the answer to these questions is the same: DO BOTH….


Tips for Millennials Living with Parents

The generation of the Internet age is one of the largest and most diverse in the U.S. Although Millennials have been defined by a relationship to technology, the generation has been steadily redefining adulthood. Millennials have adapted and endured in a post-recession economy, their social and global values have inspired change in the labor market, and now one-third of Millennials are living in a parent’s home.

For the first time in the Modern Era, this is the most common living arrangement for 18 to 34-year-olds. This new normal has not come without its challenges. Many are saddled with…


5 Easy Steps to Save for Big Ticket Items

By: Tammy Greynolds, America SavesSmall-arrow-for-disclosure

Very few of us have money at the ready to cover an emergency, never mind the money for the larger purchases we’d like to make. This is why it’s that much more important to prioritize savings to cover both the items you need as well as those you want.

Whether you’re saving for a new computer or a car, the security deposit for an apartment or a down payment on house, a little planning and an easy-to-maintain budget will be instrumental in making your big ticket…


5 Tips for Reducing College Costs

Guest blog: Tammy Greynolds, America SavesSmall-arrow-for-disclosure

Nine in 10 parents believe that college is a worthwhile investment. While this statistic from Sallie Mae’s How America Saves for College 2015Small-arrow-for-disclosure report shows that the value placed on higher education is nearly universal, a staggering 84% of parents are also willing to stretch themselves financially in order to make college possible for their children. “Better we have the debt than have the debt,” Democratic presidential candidate Martin O’Malley…


Make a Savings Plan During Financial Literacy Month

By: Katie Bryan, America Saves

 

April marks Financial Literacy Month, a time when everyone can learn more about their personal finances and take steps to improve their financial picture. If you’re looking for a place to start, America Saves provides 3 easy ways to assess your current situation and take action to save.

 

 

 

1. Saver Checklist ToolCheck off your savings accomplishments to see how you’re doing. 

 

2. Assess Your Savings Tool – Complete the assessment to see if you are saving adequately and create a savings plan. 

 

3. Pledge to Save – Once…


Make Your Tax Refund Work for You

It’s easy for us to think of this year’s tax refund as free money coming to us courtesy of Uncle Sam. However, the truth of the matter is that the check you receive is a return of your own hard earned money. And since you’re going to get your own money back, why not use it to get ahead of your financial goals?

In 2014, sixty-nine percent of those polled by American Consumer Credit CounselingSmall-arrow-for-disclosure indicated that they had used their tax refund to pay down debt and…


Don’t Blow Your Budget this Holiday Season

Almost everything you see this holiday season will encourage you to spend money. You may feel pressured to buy the “best” gifts or top gift giving from previous years. I’m here to tell you that you do not need to blow your budget this holiday season. Let’s make a commitment right here and now to be smart in our spending and keep to our spending and savings plan. Say it with me: “I will not break my budget this holiday season.”

OK, with that out of the way we can now focus on how to make that happen. First, take a…

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