268602 48 Business & Finance Personal Finance General Personal Finance true Sun, 01 Nov 2009 04:02:57 -0800 /system/videos/5/35/08/27/270835.flv smart,saving,money,finance,accumulating,future,strategies,wealth,rich,retirement How To Be Smart About Saving http://www.howcast.com/videos/268602-How-To-Be-Smart-About-Saving http://www.howcast.com/videos/268602-How-To-Be-Smart-About-Saving/edit approved 127 640 360 <object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=268602"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=268602" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object> 3 BajillionairesClub http://img.howcast.com/system/thumbnails/268602/smart_about_saving_hdstill02_xxlarge_maintained_aspect.jpg 466 false false false 100948 0 22 Step http://img.howcast.com/system/thumbnails/268602/22.jpg Save for something specific Jot down a few big ticket items you’d buy if you had the money, and then open a savings account for each of them. Studies indicate that putting aside money is much easier if you are saving it for something specific. Once you’ve saved the money, you may find that you don’t want the item after all.

]]> 100949 1 39 Tip Envision your goal as you make the deposit: Researchers have found that the brain gets almost as much pleasure from imagining a purchase as actually making it.

]]> 100950 2 49 Step http://img.howcast.com/system/thumbnails/268602/49.jpg Calculate the interest Calculate how much money you’ll earn if you put your money in various types of interest-bearing accounts. People often underestimate how fast their savings can grow; crunching the numbers could provide the inspiration you need.

]]> 100962 3 62 Step http://img.howcast.com/system/thumbnails/268602/62.jpg Have savings automatically deducted Have savings automatically deducted; experts say it’s one of the most painless ways to save.

]]> 100951 4 69 Tip If you get a raise, have the increase added to your automatic savings deduction immediately.

]]> 100952 5 74 Step http://img.howcast.com/system/thumbnails/268602/74.jpg Use a web-based bank Consider keeping your savings in an online-only bank, where interest rates can be higher, since there are no bricks-and-mortar buildings to maintain.

]]> 100953 6 84 Step http://img.howcast.com/system/thumbnails/268602/84.jpg Stagger your CDs If you park money in Certificates of Deposit, do what’s known as “laddering”: Spread money among as many accounts as you can, staggering their maturity dates. That way, all your money doesn’t get stuck in a low-paying CD if interest rates go up, and you lock in the higher rates on some accounts if interest rates take a tumble.

]]> 100954 7 107 Step http://img.howcast.com/system/thumbnails/268602/107.jpg Keep the minimum in checking Keep just enough money in your checking account to pay your bills. Even when interest rates are low, it makes no sense to leave money sitting in an account earning nothing.

]]> 100955 8 117 Fact Two-thirds of people between the ages of 23 and 28 say financial fitness is more important than physical fitness.

]]> 48 150908 How To Build a Nest Egg HowcastGuide 1043 Tue, 24 Feb 2009 04:06:08 -0800 4 bencheek ]]> 138 http://media.howcast.com/system/videos/2/08/09/15/150908.flv business, finance, building, saving, money, retirement, funds, investing, investments Business & Finance Personal Finance General Personal Finance 0 http://img.howcast.com/system/thumbnails/150908/nest_egg_hd_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/150908-How-To-Build-a-Nest-Egg 48 171776 How To Prepare an Emergency Fund HowcastGuide 1226 Mon, 13 Apr 2009 04:06:09 -0700 4 pscerri ]]> 108 http://media.howcast.com/system/videos/3/76/17/17/171776.flv financing, finance, preparing, saving, money, cash, emergencies, financial, fund, expenses Business & Finance Personal Finance General Personal Finance 2 http://img.howcast.com/system/thumbnails/171776/prepare_emergency_fund_hd_1_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/171776-How-To-Prepare-an-Emergency-Fund 48 212507 How To Check Out a Financial Adviser HowcastGuide 796 Fri, 24 Jul 2009 04:07:34 -0700 4 pscerri ]]> 100 http://media.howcast.com/system/videos/1/07/25/21/212507.flv finance, business, adviser, advisor, financial, madoff, burned, checking, investigating, choosing Business & Finance Personal Finance General Personal Finance 1 http://img.howcast.com/system/thumbnails/212507/check_out_a_financial_adviser_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/212507-How-To-Check-Out-a-Financial-Adviser 48 237568 How To Save Money By Eliminating 10 Things You Don't Need HowcastGuide 3807 Mon, 21 Sep 2009 11:04:09 -0700 24 BARKBARK ]]> 142 http://media.howcast.com/system/videos/6/71/00/24/240071.flv Save, Money, Finance, Budget, Consume, Consumer, Cost, Price Business & Finance Personal Finance General Personal Finance 6 http://img.howcast.com/system/thumbnails/237568/save_money_ten_things_hdstill02_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/237568-How-To-Save-Money-By-Eliminating-10-Things-You-Dont-Need 48 239119 How To Help Your Friends and Neighbors Save Money on Energy HowcastGuide 1279 Thu, 10 Sep 2009 13:03:27 -0700 0 CreateTheGood ]]> 154 http://media.howcast.com/system/videos/6/06/80/23/238006.flv AARP,saving,money,friends,neighbors,getting,helping,reducing,environment,using,less,bills,decreasing,smaller Business & Finance Personal Finance General Personal Finance 0 http://img.howcast.com/system/thumbnails/239119/save_energy_hd_1_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/239119-How-To-Help-Your-Friends-and-Neighbors-Save-Money-on-Energy 50 466 How To Live on a Budget HowcastGuide 16224 Mon, 17 Dec 2007 07:00:24 -0800 42 bender ]]> 146 http://media.howcast.com/system/videos/4/66/04/466.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, live, on, budget, broke, cheap, poor, get, by, spend, less, money, minimum, wage, college, university, student Business & Finance Personal Finance Budgeting 14 http://img.howcast.com/system/thumbnails/466/Business.How_to_Live_on_a_Budget_SD_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/466-How-To-Live-on-a-Budget 50 271893 How To Stop Spending Money For 30 Days HowcastGuide 37 Fri, 20 Nov 2009 05:29:47 -0800 1 carlo_scialla ]]> 123 http://media.howcast.com/system/videos/5/59/36/28/283659.flv stop,spending,money,thirty,days,budgeting,saving,finances,cash,economy,shopping Business & Finance Personal Finance Budgeting 0 http://img.howcast.com/system/thumbnails/271893/CarloScialla_HT_Stop_Spending_Money_hdstill06_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/271893-How-To-Stop-Spending-Money-For-30-Days 53 155471 How To Consolidate Debt HowcastGuide 1479 Fri, 06 Mar 2009 05:47:51 -0800 10 bencheek ]]> 124 http://media.howcast.com/system/videos/1/71/54/15/155471.flv debt, interest, rid, smaller, reduce, get out, money, finance, loans, credit Business & Finance Personal Finance Debt 1 http://img.howcast.com/system/thumbnails/155471/consolidate_debt_hd1_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/155471-How-To-Consolidate-Debt 55 649 How To Get Paid For Donating Plasma HowcastGuide 61961 Fri, 18 Jan 2008 07:08:18 -0800 28 ZUCHERO ]]> 112 http://media.howcast.com/system/videos/5/49/06/649.flv become, becoming, business, cash, DIY, Do It Yourself, donate, donating, donor, Essential Skills, fast, finance, get, getting, Instructional, Learn to, make, money, paid, personal, plasma, Tips, tutorial Business & Finance Personal Finance Fast Cash 6 http://img.howcast.com/system/thumbnails/649/ppn_greencard_donate_plasma_sd_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/649-How-To-Get-Paid-For-Donating-Plasma 55 1942 How To Successfully Beg For Money HowcastGuide 16804 Mon, 25 Feb 2008 09:27:24 -0800 29 Chris_Davis ]]> 84 http://media.howcast.com/system/videos/3/42/19/1942.flv beg, beggar, begging, business, cash, cheap, DIY, Do It Yourself, Essential Skills, free, get, homeless, Instructional, Learn to, money, need, poor, street, success, successfully, Tips, tutorial Business & Finance Personal Finance Fast Cash 3 http://img.howcast.com/system/thumbnails/1942/ppn_davis_beg_for_money_sd_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/1942-How-To-Successfully-Beg-For-Money 55 3100 How To Live on Practically Nothing HowcastGuide 34270 Mon, 14 Apr 2008 07:03:13 -0700 45 Chris_Davis ]]> 89 http://media.howcast.com/system/videos/6/00/31/3100.flv bargain, broke, business, cash, cheap, deal, DIY, Do It Yourself, Essential Skills, finance, income, Instructional, Learn to, lifestyle, live, living, low, money, poor, survive, surviving, Tips, tutorial Business & Finance Personal Finance Fast Cash 11 http://img.howcast.com/system/thumbnails/3100/ppn_davis_live_on_practically_nothing_sd_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/3100-How-To-Live-on-Practically-Nothing 55 14326 How To Have a Yard Sale HowcastGuide 4594 Mon, 16 Jun 2008 14:56:56 -0700 19 Dynamic ]]> 188 http://media.howcast.com/system/videos/4/26/43/01/14326.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, finance, personal Business & Finance Personal Finance Fast Cash 1 http://img.howcast.com/system/thumbnails/14326/yard_sale_hd_01_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/14326-How-To-Have-a-Yard-Sale 55 28936 How To Find a Legal Loan Shark HowcastGuide 8040 Wed, 03 Sep 2008 06:01:28 -0700 6 ThirdPro ]]> 119 http://media.howcast.com/system/videos/5/36/89/02/28936.flv business, finance, personal, fast, cash, finding, loan-shark, loan, shark Business & Finance Personal Finance Fast Cash 0 http://img.howcast.com/system/thumbnails/28936/legal_loan_shark_hd_3_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/28936-How-To-Find-a-Legal-Loan-Shark 55 149074 How To Get Free Stuff HowcastGuide 7842 Sat, 21 Feb 2009 04:06:07 -0800 37 Dynamic ]]> 159 http://media.howcast.com/system/videos/2/74/90/14/149074.flv fashion, shopping, spending, money, cheap, deals, bargains, buying, easy Business & Finance Personal Finance Fast Cash 1 http://img.howcast.com/system/thumbnails/149074/Dynamic_HT_Get_Free_Stuff_still1_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/149074-How-To-Get-Free-Stuff 55 195685 How To Take in a Boarder HowcastGuide 973 Mon, 22 Jun 2009 04:05:09 -0700 8 carlo_scialla ]]> 120 http://media.howcast.com/system/videos/0/85/56/19/195685.flv business, finance, making, money, fast, cash, taking, boarder, room, renting Business & Finance Personal Finance Fast Cash 1 http://img.howcast.com/system/thumbnails/195685/take_in_boarder_hd_2_xxlarge_maintained_aspect.jpg http://www.howcast.com/videos/195685-How-To-Take-in-a-Boarder