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True Story: Starting Over

Written by Super User · 13 December 2011

December 13, 2011

By Katie Bryan, America Saves Communications Manager

saverUntil last summer, Michael Lindman spent money freely. “I was a union truck driver for 35 years and had a good income,” said Lindman. “I owned my own home, saved a little, and tried to live within my own budget. You always think there’s going to be that much coming in, but things can change in a split second.”

The change for Michael began when he was laid off. Luckily Michael had three months’ salary saved for just this kind of emergency. In July, however, disaster struck. Michael was hospitalized for surgery, then complications required a second surgery. With his savings depleted, he couldn’t pay his medical expenses, mortgage, or other bills. In addition, he couldn’t work while he was recovering.

Holiday Shopping and Money

Written by Super User · 09 December 2011

December 9, 2011

By Katie Savant, Government Relations Deputy Director, National Military Family Association


holiday treeWhen families think about holiday shopping, a budget may go out the window. Take some time to do a bit of pre-planning before you venture out to the mall, or you may be left with retail regret! Here are some tips to help keep you on track.

  • Create a budget and stick to it. Sit down with your family and discuss your holiday festivities and gift giving wishes. Try using a holiday checklist, such as a free online template, to help you track your expenditures.
  • Plan for holiday parties. Is there a gift exchange? Will you bring a dish to share? Think ahead of time about costs associated with holiday parties and include these in your budget.
  • Watch for hidden costs. Do you need to ship gifts? Are you mailing holiday cards? Will you purchase household decorations or wrapping supplies? Will you make any special meals?
  • Little gifts add up. Many people like to remember co-workers, teachers, service personnel, and others during their end-of-year gift giving. Handwritten thank you notes and homemade gifts are appreciated. Don't feel pressured to buy gifts you cannot afford.

Related Articles:

More Consumers Feeling Worse About Their Finances
Don't Increase Debt During the Holidays
Keeping Track of What you Spend and Budgeting
The Hardest Part About Getting Our of Debt

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Tip of the Day

  • Written by Tammy G. Bruzon | February 2, 2018

    Are your kids asking these common questions about money? Here’s how to answer them: http://bit.ly/2jGssJs #BetterMoneyHabits #ASW18

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 Back Control Over Finances

Written by Virginia Saves | August 5, 2015

After becoming a Virginia Saver and getting help from BankOn classes and coaching, Nadine Bialo took back control over her financial affairs.

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Saving Early: Key to Successful Future

Written by Katie Bryan | October 28, 2013

For Johnnie Lovett, a Young Illinois Saver, saving has been a habit since he was a teenager. “As a teenager, I was responsible for buying certain things with my allowance,”

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