Ready, Set, Save

1. Start small

No amount is too small!

Just $10 a week will add up to $520 in a year

Begin by putting spare

change in a

savings jar

2. Make it automatic

This is one of the easiest

ways save

Set up direct deposit of your

check

Then have your banktransfer it

to a savings,investment,

or otheraccount

automatically

3. Avoid impulse spending

Everyday stresses

can oftenhave an effecton spending

habits

Prior to purchasing an

item, take some time to

clear yourmind

For larger purchases,

take at least a day to think before you

buy

4. Stop accumulating debt

Take an oath to reduce

debts suchas credit cardsand car loans

Avoid high risk debts such as payday loans

5. Review your spending habits

Review past spending habits

and establisha newbudget

Treat savings as expenses to

encourage less spending

6. Don’t leave money on the table

Take advantage of employer’s

401K retirement

plan

Most match contributions to 401K, turning

it downis like turning

down freemoney

7. Turn payments into savings

Tip: Once your child leaves daycare to

attend elementary

school,redirect those funds to their

college savings

These tips were brought to you

by Higher One.com which

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among its users.