How do YOU save your money, if at all??

[shortydoowopp]

i'm on the ING site now...whats a good acct. to have... i don't want to be able to have easy access to my acct...only for an emergency...

 

[sound bombing]

diversify your bonds
classical one liner

 

[air bonilla 23]

sucks when you get paid on friday... and the same day your account goes to less than half of what you started with BECAUSE you gotta pay bills...

One of the good (only) advantages of Bank of America is the keep the change option, which deposits the change you get from purchasing stuff with your checkcard to your savings. It's always a good look when your savings increases by 6.00 bucks after hitting the mall.

Im a check card type of dude, and I rarely carry cash. By sticking most of my money in my savings, it doesnt allow me to spend the money that's there.

 

[kingkb34]

I don't make enough money currently to be able to save any...it all goes to bills, rent, and food

 

[shakaraka]

yea i have been thinking about looking into ING savings account, anyone got any tips?
For me i started out with one of the building block savings account my bank provides.
i would deposit $1000 which i cannot touch for a year, and than as i would work the bank would
take out $50 bi weekly from my account depositing it to the original amount. The account i would use
for my purchases would decrease in money because of the bi weekly deposits, which encouraged me
not to buy stuff i don't really need and work harder, put in double time.
i saved quite a bit and it worked
but yea i m definitely looking into ING, the interest rate is high and i would be doing this for a long term
sort of thing.

 

[blazersin2k3]

im 22 right now, i got 7k in my roth ira w/vanguard, 8k in prime money acct(only get like $20 a month in dividends), and 1k in a 401k. im tryin to invest insome stocks maybe, not sure where to start though. im young now so i can afford to take risks, just trying to get to the next level financially.

 

[kickmatic23]

savings account, cd's if you can find any with a good interest rate at the moment.. and stocks if you wanna take a risk

 

[jp310]

like that one guy said...its all about discipline....i opened up a saving account recently to save up for a new car....i always put half of my check into inand use the rest for bills, gas, food, etc.

 

[sjsneakerheadiii]

just gotta be disciplined like everyone said. think about your purchases and whether or not you really need what you need. buy food, gas, pay your bills, butall the extra stuff, might want to pass on them and save that money. get a piggy bank or one of those water juggs. open a savings account. now there are nominimums. start off with $1 if you want, just so you have a savings account and have money deducted from your checking account every week or 2.

 

[czur1127]

good info on this post ..........

 

[happygel]

you should pay yourself first then credit cards

 

[jaijai84]

I like to think that I only make smart purchases on things that I can afford. Take this outlook, if you have a job think about how many hours you had to workfor that one item you want. If you can justify the purchase and feel comfortable and can afford it then go for it. When it comes to saving in the currenteconomy, you must cut corners and watch what you spend all the time. I assume you're young so saving will be tough. That's my piece hope it helps.

 

[androoow]

dont carry any money, therefore cant spend any.

 

[airfreshazn]

I think about if I save up for another week I'll have even more money.

My motivation

 

[grizzlyboy]

I stopped eating out. Went on a diet. Besides my normal savings, which has been mentioned already...I use E*trade.

Eating better and no fast food saved me almost $150-200 extra a month.

 

[digitalo22]

ING Diirect APR is currently at 3%, not 4.5%.

Purchasing a home isn't always a good idea, just look at what is happening with all these foreclosures.

Jim Cramer of Mad Money stated his net worth ($100,000,000), yet admitted he owns no real estate, not even his primary residence.