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Money Smart Main Topics


Saving can help you achieve any financial goal. Whether it’s a down payment on a house or car, new furniture, college tuition or retirement, you can get there by setting money aside for your goals. Saving gives YOU control of your money, prevents debt and helps you reach your financial goals.
Saving is easier when you set goals. Be sure to define your goal, define the timetable, and define the cost. Ask yourself …What’s important to me? What do I need? What do I want?

Saving for Periodic Expenses

Periodic Expenses are NOT part of your regular monthly expenditures.  Cushioning your savings account for those “unplanned” expenses can make the difference between a minor financial setback and a major financial disaster.

Apprisen has a  worksheet to help plan for periodic expenses.

Saving Strategies


Saving for Emergencies

Prepare for the unexpected by saving three to six months of living expenses. An emergency fund should be easy to access in the event of unemployment, illness or a major unplanned expense. Practical Money Skills has an online calculator  to determine your goal for an emergency fund. Use this BankRate link to learn how to grow an Emergency Fund: 5 Ways to Grow Your Emergency Fund

Emergency Saving Overview

Saving for Retirement

It’s never too early or late to plan your retirement. Whether you’re putting money in your 401K, buying IRA’s or annuities, planning is key!

Visit our Topic on Retirement

Visit our Topic on Loans

College on a Budget: Smart Tips for Saving MoneyLearn valuable strategies for reducing your living expenses, including common support programs that can save you money on healthcare, housing, utilities, and more.

Visit our Topic on College

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