Saving and Investment Options | USAGov

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Learn how to budget to reach your savings goals. Get the basics on a variety of investments, including savings bonds and other Treasury securities backed by the federal government.

Things to Consider Before You Invest

If you want to pay for retirement, college, or a home, you can invest your money to fund your goals. Before you invest, make sure you can answer all of these questions:

  • What type of earnings can you expect on your investment? Will you get income in the form of interest, dividends, or rent?

  • How quickly can you get your money, if you need to sell or cash in your investment? You can sell stocks, bonds, and shares in mutual funds at any time. However, there is no guarantee you’ll get back all the money you invested. Other investments, such as certificates of deposit (CDs) or IRAs, often limit when you can cash out.

  • What

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Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!

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Many of us look around and wonder how we ended up with so much stuff. Sometimes I wonder why I spend the money on things that don’t get used much. There is a lot to be said for a little more simplicity, as many people are discovering in this recession.

It is possible to spend less money, and still live a full life. And, of course, just because you can afford something doesn’t mean you have to buy it. If you are ready to downsize your lifestyle, you can do so, with a little thoughtful planning.
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creating wealth

I once wondered whether an investment property or a dividend yielding stock is better. The result was an unanimous vote for investing in stocks.

Since then, boy has the environment drastically changed. The financial crisis unfolded with a 50%+ decline in stocks, followed by stocks multiplying during the next

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Saving Money Tips to Save Money on Everyday Expenses

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You probably already know some of the basics—like how making your own coffee or bringing your lunch to work can save you hundreds of dollars a year. If you are doing that, definitely keep it up!

But let’s look at a few other ways you can save on everyday expenses, and how some simple decisions that you make every day can help you save money.

The supermarket is a great place to start because there are a lot of easy ways to cut down on your shopping bill. You may already be doing things like: making a list to cut back on impulse buying, clipping coupons or using apps to find deals, and even looking at the price-per-unit to help you get the most for your money…

But there are even more ways you can save.

For example, when you see a sale or discount, be strategic.

Sales and discounts

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