There is no better time than the present to begin saving money.  Setting a goal for saving will help you focus on more effective money management and prevent you from making unnecessary purchases.  Use your bank accounts to analyze your present spending patterns and help increase your savings yields.  Unfortunately, most people are not saving enough to secure a comfortable future.  Savings even small amounts on a regular basis adds up measurably with high interest rate bank accounts and the value of compound interest.  Bank accounts are great place to start assessing where the savings can start.  High yield accounts such as online savings accounts, money market accounts and bank CDs can be the tools to accumulate a savings reserve once expenses are pared down and the household budget is turned into an efficient savings and investment machine.

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