4 numbered blocks arranged to say "2017/2018" with the fourth block partly showing both 7 and 8.

Get a Head Start on Your New Year’s Savings Goals: Read America Saves' Top 5 Most Popular Blog Posts of 2017

5 ways to raise your credit score in less than a year

A low credit score impacts more than just interest rates. Many non-creditors use credit scores to decide service availability, things like if they will rent an apartment to you or how high your security deposit will be.

The good news is we’re here to help. If you have a low credit score, take comfort in knowing that you can raise your score from sub-prime to prime in less than nine months, excluding foreclosure or bankruptcy. These five tips can help you raise your credit score. Read more >>

12 Ways to Save Energy and Money

Energy takes a huge bite out of household budgets, with the typical family spending about $2,200 each year on utility bills. Because saving energy and money go hand in hand, the non-profit Consumer Federation of America came up with 12 simple ways to save both. Join thousands of organizations, companies, and individuals in a nationwide effort to become more energy independent, improve the environment, and save households hundreds of dollars in unnecessary energy costs by following these top tips. Read more >> 

The FAQs of IRAs

Saving for retirement now will ensure you have a comfortable standard of living when you stop or reduce the amount of hours you work. While retirement may seem a long way off, the earlier you start to save, the better, ideally in your first job.

You may be able to save for retirement at your workplace through an employer-sponsored 401(k), 403(b), or similar plan. If that’s the case, learn more about saving for retirement at work here. But if you are self-employed, your employer does not offer a retirement plan, or you’d like to save in addition to your 401(k), an IRA may be a good option for you. Read more >>

How to use the envelope budget system

The first step to spending less and saving more is to know exactly where all of your money goes each month. But there are many ways to create a budget and stick to it. An option to consider, especially for beginning budgeters, is the envelope budget system. The basic idea is to pay for as much as possible with cash, and store that cash in separate envelopes for different budget categories. Read more >> 

ATM Card, Debit Card, Credit Card: What’s the Difference?

Do you know the difference between each card? Here is a brief description of each type of card and how it may affect a consumer’s checking account balance. Read more >>


Are you trying to save money? Let America Saves help you reach your savings and debt reduction goals in the new year. It all starts when you make a commitment to yourself to save. Take the first step today and take the America Saves pledge to save money, reduce debt, and build wealth over time. And it doesn't stop there. America Saves will keep you motivated with information, advice, tips, and reminders to help you reach your savings goal. Think of us as your own personal support system.

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Get a head start on your 2018 financial goals by checking out our top 5 blog posts from 2017, packed with great #moneysaving tips: http://bit.ly/2CSq3kq 

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Tip of the Day

  • Written by Tammy G. Bruzon | January 16, 2017

    Do you need to file a tax return in 2017? This #BetterMoneyHabits video can help you find out: http://bit.ly/2hU8smo

Saver Stories View all »

Starting and Continuing a Personal Finance Journey

Written by Sara Cooper | December 23, 2013

When Kiara Hardin, now a junior at Western Illinois University, became an intern with the Chicago Summer Business Institute during her sophomore year of high school, she began her personal finance journey. The program required participants to open a savings account.

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Taking Steps Toward Financial Fitness

Written by Tammy G. Bruzon | November 7, 2014

Nicky Vasquez learned about Virginia Saves when she attended her first class with Bank On Virginia Beach. The instructor shared how important it was to have a written savings goal, and the entire class joined Virginia Saves as the first step toward financial fitness.

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Transforming “I Can’t Save” to “I Will Save”

Written by Guest Blogger | January 13, 2016

You will not believe what it took to completely change my life. About three years ago, the HR Administrator of the corporation where I worked (as a temp with no benefits) forwarded an email to me. Fifteen seconds. One small act of kindness. That's it - that's all it took!

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