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You want to save money, but how do you get started? There are always bills to cover, debt to pay, and time is tight. Though these are all real obstacles, they are ones that can and should be overcome. The current personal savings rate in America is in the four percent range – far short of the ten percent most money management professionals recommend to achieve financial security.
Saving money doesn’t happen without taking action. To get you into the swing of things, first recognize the importance of setting aside some cash each month or paycheck. After all, how many times have you wished there was some forgotten account you could tap into to pay for a new set of tires or to do something fun? Without savings, you have to do without – or worse, put it on the credit card. Thankfully, there are many painless and surefire ways to begin a cash-stashing routine.
Once you have a savings plan in place, monitor it regularly. Watching your nest egg grow is thrilling. Take pride in what you have achieved. And don’t panic or give up if you experience a setback – read just your budget and try to make it up next month or in future installments.
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