You are asking for savings, so I will assume this is the jist of the whole question. I will also assume that you have taken advantage of high interest online banking. Here are some things you can do to stimulate the growth of your savings beyond interest.
1. Use coupons - when shopping write the check for the full amount before coupons - put cash back in stash (to be deposited on a monthly basis).
2. Budget plan all your utilities - this will stabilize your bill and elimate suprises so that you can maintain regular deposits. They also pay interest on your accounts while they hold your money. Pretend you are paying for this credit monthly by adding this amount to your stash (for the monthly deposit).
3. Don't spend any denominations under $1.00 so when you get change all $1, .25,.10,.05 & .01 go into your stash.
4. Order freebies - Example Downy (fabric softener) sample put .07 per oz in your stash for each time you use.
5. Everytime you don't eat out or buy that coffee when you want to stash away the money you would have spent.
Discover your own ways to save $$$. Then the most important thing, don't let the money sit in your stash. No matter how small, take to the bank on a monthly basis and deposit it into your account and transfer to your high interest savings account. This is outside of your regular savings amounts. Your savings will start to grow everyday more & more. Thus providing you with more financial security day by day.
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