A number of members I talk to say - you know Savvy Saver - I know I need to save, I just can't get around to it!
Apparently they need a personal trainer, a wealth coach, a financial advisor, or maybe just their MOM to get on them to get it done.
Well guess what, Savvy Saver to the rescue, I know exactly where you can find that Wealth Coach and it won't cost you a thing.
You need to check out Charlotte Saves, (and if you're from somewhere other than the lovely Carolinas - greatest state in the USofA- you can check out AmericaSaves). Charlotte Saves can provide you with a Wealth Coach, in addition to helpful hints and guidance on how you can be financially secure .... or at least a heck of a lot more comfortable financially..... than you are now.
And get this - it's free. Yep, free! A non-profit organization, Charlotte Saves is dedicated to helping you - yes you as an American (as I've discussed before the worst savers in the WORLD) learn how to save and become more financially secure. And it's paid for - yep - all paid for by donations, grants and good stuff like that.
So today's the day! Its time to Get R Done. Click on the link, or make the call (704-556-1260). You don't want me to have to call your MOM do you??!!!!
Tuesday, June 24, 2008
Thursday, June 5, 2008
Why You Just Can't Save Enough
Another terrific and yet slightly hot morning here in the Carolina's and I've just found a super hot article at CNN.Money.com. The reporter carefully builds her case for the terrible PCS affliction and I think, by gosh, she's got it! Well, not the affliction but she nails down why so many of us living in one of the wealthiest nations in the world are the worst at actually Saving (and thereby Having) any Money.
When the CNN.Money.com reporter asked Mary Claire Allvine, a financial planner in Chicago, if she had any tips to avoid PCS, she suggested to a. simplify the problem and b:
Sound advice Mary Claire - we commend you for simplifying the problem and clearly laying out a brilliant plan:
Well there is another vital step in the cure - dump your high-living consumption-grabbing friends .... but you'll have to read the article to fully understand!
Watch for the *PCS Telethon coming soon to a public TV station near you!
When the CNN.Money.com reporter asked Mary Claire Allvine, a financial planner in Chicago, if she had any tips to avoid PCS, she suggested to a. simplify the problem and b:
"Instead of limiting your spending so you can save what's left, decide first what you'll save and learn to live on the rest. And get it out of your hands as fast as you can. Signing up for automatic withdrawals, through a 401(k) at work or in a taxable mutual fund account, (OR BETTER YET A CREDIT UNION SHARE ACCOUNT!!! - edits mine - SS)
will help you a lot."
Sound advice Mary Claire - we commend you for simplifying the problem and clearly laying out a brilliant plan:
Save First, Live on the Rest - the only real cure for PCS*.
Well there is another vital step in the cure - dump your high-living consumption-grabbing friends .... but you'll have to read the article to fully understand!
Watch for the *PCS Telethon coming soon to a public TV station near you!
Tuesday, June 3, 2008
Meet the Dolans and Save?
Good Morning! Savvy Saver here - I just checked out an interesting link from AOL Finance to Dolans.com. Now the Dolans are good people with sound advice about saving. Their website at Dolans.com is very professional and Daria Dolan's new video is a lovely Bank Fee Alert which will be very helpful to the average consumer.
Fortunately for YOU, though, YOU are NOT the "average" consumer. YOU are a credit union member and you can take the "Bank Fee Alert" Daria so kindly provides and go one financially savvy step further!
See Daria is talking about a number of BIG BANKS who are going up on their ATM Surcharge fee (to non-customers who use their ATM) from $1.00 to $2.50 to now $3.00! Daria is very helpful in talking about how to avoid the fee and save up to $300 a year by planning ahead and finding your nearby "bank" ATM to use.
What Daria fails to mention..... is what YOU the credit union member has known for sometime. You can Save over $300 a year simply by being a CREDIT UNION MEMBER.
Because Credit Union Members know that many if not most credit unions belong to Surcharge FREE ATM networks and encourage their members to use them. For example, the Savvy Saver's Credit Union, Carolina Postal Credit Union, belongs to the CashPoints ATM Network in North Carolina (thank you State Employees Credit Union - founder and ultimage underwriter/sponsor of CashPoints ATMs!!) and consequently OUR members (and many other NC credit union members) can use any of the nearly 1,000 CashPoints ATMs in North Carolina and NOT be charged a $3.00 surcharge..... or for that matter ..... any kind of Surcharge!
I think Daria and her hubby really need to check out Credit Unions....don't you?
SUPER SAVVY SAVER HELPFUL HINT: Another way to avoid those nasty ATM surcharges and fees? If you need cash, when using your debit card to make purchases at the drugstore, the grocery store and elsewhere use the Cash Back feature! After keying in your PIN most stores will ask if you would like Cash Back and how much - use it and save!!!!!
Fortunately for YOU, though, YOU are NOT the "average" consumer. YOU are a credit union member and you can take the "Bank Fee Alert" Daria so kindly provides and go one financially savvy step further!
See Daria is talking about a number of BIG BANKS who are going up on their ATM Surcharge fee (to non-customers who use their ATM) from $1.00 to $2.50 to now $3.00! Daria is very helpful in talking about how to avoid the fee and save up to $300 a year by planning ahead and finding your nearby "bank" ATM to use.
What Daria fails to mention..... is what YOU the credit union member has known for sometime. You can Save over $300 a year simply by being a CREDIT UNION MEMBER.
Because Credit Union Members know that many if not most credit unions belong to Surcharge FREE ATM networks and encourage their members to use them. For example, the Savvy Saver's Credit Union, Carolina Postal Credit Union, belongs to the CashPoints ATM Network in North Carolina (thank you State Employees Credit Union - founder and ultimage underwriter/sponsor of CashPoints ATMs!!) and consequently OUR members (and many other NC credit union members) can use any of the nearly 1,000 CashPoints ATMs in North Carolina and NOT be charged a $3.00 surcharge..... or for that matter ..... any kind of Surcharge!
I think Daria and her hubby really need to check out Credit Unions....don't you?
SUPER SAVVY SAVER HELPFUL HINT: Another way to avoid those nasty ATM surcharges and fees? If you need cash, when using your debit card to make purchases at the drugstore, the grocery store and elsewhere use the Cash Back feature! After keying in your PIN most stores will ask if you would like Cash Back and how much - use it and save!!!!!
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