Maximizing a savings plan by increasing returns and reducing costs with your bank is a prudent start to a building financial security.  Maximize the returns by searching for the best savings rates, money market rates and CD rates available.  Reduce costs by monitoring bank fees and reducing or eliminating fees by switching bank accounts for greater efficiency or switching banks that have more favorable account fees.  Bank rates and bank fees are the starting point for a good budget and long term savings.

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