The secret to saving money is having a plan.This site offers some common sense information for saving money and investing for the future.

Here are some basic things you can do:

1. Reduce and eliminate credit card debt. Do this before you make other investments in the stokc market and so on. The average credit card rate is about 15%. Most stocks will not make that big a return in a year.
2. Start saving for college or for your retirement NOW. Just put away a small amount every month if that's all you can afford. Over time it will add up into much larger savings.
3. When you have funds to invest, make investments in a number of different things. Don't put all your eggs into one basket. For example, put  part of your money into stocks, part into bonds, part into other investments.
4. Keep a budget for your personal finances. Budgeting doesn't have to be complicated. Just add up how much money you make every month, how much you pay for your living situation and other bills, and then see what's left over. Try not to spend more than you make!

Keep browsing this site for more hints, tips, and background information about personal savings and investing.

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