1. The Easiest Investment: SAVINGS Alexander Persky A Quick Guide to Saving Money

2. Six Easy Steps Have a Plan Devise a Budget Treat Savings Like a Bill Restrict Access to Your Savings No Credit Cards! Alternate Income

3. Have a Plan People with a plan save twice as much as those without Decide how much you are going to save and when Determine WHY you are going to save your money

4. Devise a Budget Think of yourself as a business Tracking income and spending will allow you to see patterns Do you tend to spend money on your Needs, or your Wants? Helps to set monthly goals! Need help? Useful templates can be downloaded from the Internet www.Office.Microsoft.com

5. Treat Savings Like a Bill Pay yourself first! Direct deposit a portion of your paycheck to your savings account Establishing the habit now can lead to a nice savings cushion in the future

6. Restrict Access to Your Savings Using cash Limiting access to your checking accounts via ATM machines Daily/Weekly ATM withdrawal limits Online checking or savings accounts www.INGDirect.com

7. No Credit Cards! Number 1 source of debt in America! Increased credit limits are a trap! Using cash instead of credit cards (or even debit cards) forces you to literally see how much you may be spending Reserve credit cards for emergency purchases If you can’t control your spending, cut them up!

8. Alternate Income Possibly the easiest way to achieve your savings goal Selling unwanted items on EBay or Craigslist can add significant pocket change Home based business If primary income not sufficient, may be the source of your savings!