When it comes to healthy eating and exercise, one of the most important things I've learned is to *pay attention* when others make suggestions. Something might not seem like it's right for me at one time, but the more I pay attention, the more I build up a "bank" of ideas and tips I can turn to later. It's hard to get anything right on the first try, but by being committed to trying, I've been able to figure out what works. You never know when something will come in handy!
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To save more money, open several savings or money-market accounts. If you have a specific purpose for an account, you are apt to save more, so give each one a name reflecting its goal. They could be "Bahama Trip 2011," "Johnny's education 2018," "Retirement 2030," "2010 Holidays," ---or whatever you've set for your savings goals. Search online for the best APYs (annual percentage yields) to get the most from your savings.... (click title for more info)
I use bankrate.com. Research your local bank, credit union or at Costco, which gives special rates through Capital One direct banking. It's always a good idea to compare. Interest rates are low now, but my online money market rates are 4 times better than what my local bank offers.
Have your bank round up to the nearest dollar or five dollars with each transaction and transfer that change to a savings account. Youll save a few hundred dollars a year without doing anything or noticing.
Scotiabank is one example of a bank that does this (Canada)
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