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- How high of a credit score will I need to get a home loan for 79,000?
- what is a good way to start credit?
- My mother and I have gotten several payday loans to keep us out of debt, and now can not pay them we need help
- i need 00 ASAP who can i get a loan from? i have horrible credit?
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- what is a good way to start credit?
- My mother and I have gotten several payday loans to keep us out of debt, and now can not pay them we need help
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SitemapWhat Is The Best Way To Save Money And Watch It Grow?
I am having a baby soon so I want to start saving up money for his college, money for a house and just extra emergency money. What would be the best way to do this? I don't want alot of restrictions, I just want to be able to throw money in, and let it grow.
Real Estate.What to do is dependent on your situation.If you have credit card debt pay that off first - Where else can you get 19% Return On Investment (ROI).For the college money I would think an agressively placed Growth mutual fund (American Funds: New Perspective Funds NPFBX, Growth Fund of America AGRBX etc). You will be able to connect these funds to you checking account and Auto Transfer a set amount each month into any number of funds. Class B Funds must be held for years or you get a penelty for pulling them - after 5 years you have access to the money once the shares have auto converted to Class A shares.For the house money I would also look at Mutual Funds - But with an eye to Growth/Income Funds. Also consider Class C Shares as they have only a 1% charge for funds pulled out after less than a year.For Emergancy Money look into Money Markets. Americanfunds (and others who sell Mutual Funds) can offer a single place to manage you money. Money Markets are good for their liqudity and relitivly high ROI. You should also look into a ROTH IRA. If you ar not doing this now you should - Do not count on Social Security you need to save for the future and a ROTH IRA IS THE BEST WAY TO DO THAT (unless your employer does matching 401K and even then the ROTH IRA is a close second - and even if the 401K is better you should do the ROTH also).I would start out opening Four Accounts: 2 Mutual Funds in Growth and/or Growth and income (one for collage and one for the house), a Money Market account (emergancy reserve) and a ROTH IRA Mutual Fund (for retirment and some other things that you will learn about when you open the account).Link these accounts to your checking account and set up monthly transfers into each of them. if the emergancy fund gets to big (larger than three months worth of your bills) sweep it into the ROTH IRA till it is full for the year, then into the house fund. Once you have bought a house you need to re agrange your finances a bit but saving is the first step to wealth. Pay yourself first - the first dollar of every paycheck NEEDS to go to your future - not a car, RV, new clothes but rather put the dollars to work for you.
It sounds like you want a CD. a CD not as in compact disk CD, but a CD is something in mutual terms where you give the bank a certain amount of money and you are asking them to hold it for you over a certain amount of time. I find it very fascinating because it grows or gains money a lot faster than your average bank account. the catch is that when you tell them how long you want them to hold it for you, you cant remove even a MILLIONTH of penny or else YOU will have to PAY THEM. I don't know for sure if you can add money but i would ask a banker that. some banks have almost classes really where you can learn a lot more bout banking related stuff. I haven't taken these classes but i would recommend them. P.S: If you want a job where you can make good money par-time and still spend plenty of time with your soon to be son and/or daughter. for info on starting your own home business go to www.4crazyfox.com for a success kit on starting your own home business. =)
Well First of all, CONGRATULATIONS! i would invest money in the bank and create your future sons "saving bond" :) he can invest money when he is older, and you can invest money right now!
- workfromhomefree.
- There are very little investment choices. workfromhomefree.
- The main problems are inflation and taxes. i need money.
- This leaves stocks (and stock options) and commodities (resource contracts such as gold, oil and foreign money) as the two types of investments that are not only beating inflation and taxes, they also can increase your worth.
- Since commodities are probably to high of a risk for you and stock options can be complicated, that leaves straight stocks (including ETFs, indexes and mutual funds).
- First go to www.investopedia.com and brush up on the terms and then call a mutual fund company and tell them you are interested in investing some money.
- loans for money.
- Pick some kind of stock plan or mutual fund investment. workfromhomefree i need money.
- If you can get a good return on your money like 15% interest you will be amazed at how fast it grows. loans for money.
- For instance if you only invest 1,000.00 and get a rate of 24% interest in 35 yrs that thousand dollars will be worth over 1.5 million.
- The higher the interest the better as long as your risk is still fairly low.
Put some savings every month into CD's. Bank of America offers 5% compounded for a 4 month CD! Check with your bank. It is simple. Usually there is a minimum balance req'd.
Trust FundI got pretty rich for a college student by picking up and change i see off the ground and saving it...not going into the jar for change and trying to see how many jars i could fill up then i would exchange my daddy 10 pennies for a dime to make more room in the bank i need money workfromhomefree loans for money.
real estate real estate and oh yeah real estate.it's not going to decrease. depends on how long you want to make money. you can look at www.prosper.com too. it's a great web sight i highly recommend checking out.even with bad credit or no credit you can get a 0money down loan on a home. you may only be able to work with one, thus living in it, while adding and improving small tasks as you are able. in 2 years my home has over 40k profit for me with no repairs included.
The method I use is to establish a budget to monitor my spending, put the same amount for each heading of your budget each monthin your checking account. For example, clothing,entertainment, food, etc if you can save or not spend all the money in any particular area of your budget don't think of it as extra money and spend it, it will act as an immediate emergency fund in case of shortfalls or emergencies. Leave this money alone until the quarter year occurs. For example, Jan,Mar,June,Sept. then establish a savings account for major purchases, emergencies, etc. Deposit the excess funds from your budget savings. Ask your bank if they offer a program called purchase rounding for your checking account. It rounds the total of your purchases and puts the change in your savings account, minimizes the amount of change you recieve and handle. Check with a local college about courses related to financial management, this will supply the education for tax issues and establish a better understanding of complex investment issues. The savings account will be a step toward further investments, such as CD's, mutual funds, stocks. Let me know if it works as well for you.well the best way to see your money grow is putting in the bank and watching it grow and if u work u can put some of that in their too and any etra money u have laying around your home conois work too then u nead to learn how to buget your money make it statch for a little while and when u go to tany store look for the on sale itams and the grate deals belave me they are out thare you just have to look around at any supper market or retai store i do the same thing some of my friends call me cheep if u have any more qustions about this topic please fill free to email me anytime @ FMF72000@yahoo.comthanksMik,e401K
Buy stock in a company that has a very low stock price now, but will have a high stock price in 18 years.
- You have asked a vague ?.
- Breath and put your priorities in line.
- Extra emergency fund is a must and I'm glad you are thinking of that.
- Money for a house.........saving to get the downpayment and finding one that you can afford is the key to buying your first house.
- Don't overbuy but don't skimp a dump that will cost you major $$ down the road.
- A savings plan for your child.
- when you can afford to live comfortably, I suggest starting with something simple.....like a savings bond.
- They double in 7 yrs.
- Then once your child is tween age, I'd see a financial advisor to weigh your options.
- There are several diff money market accounts that you can invest in.
- They will range from being risky to no risk. i need money.
- Course more the risk, the more money you will gain or lose.
- To save money, I've gotten in the habit of throwing all my change into a jar.
- At the end of the year, I cash it in and put what I get into savings.
- Its usually around 0. workfromhomefree.
- That is a good start for a savings account. workfromhomefree.
- Also, try cutting back the little things that you can live without.
- If you eat out 3 times a week, cut it back to 1.
- Browse garage sales, thrift stores and discount stores to buy new things.
- Any little bit will add up over time.......its just a matter how much you are willing to give up.
- good luckTHE BEST AND MOST SIMPLE STRATEGY TO SAVE MONEY IS "PAY YOURSELF FIRST".
- THAT MEANS, AS SOON AS YOU GET PAID, THE PAYMENT SHOULD GO INTO YOUR SAVINGS ACCOUNT.
- THIS IS THE BEST POSSIBLE STRATEGY TO SAVE MONEY.
- BECAUSE IF YOU WON'T PAY TO YOURSELF FIRST THEN THE WORLDLY TEMPTATIONS WILL NOT ALLOW IT TO HAPPEN.
- OPEN A HIGH INTEREST SAVINGS ACCOUNT IN A RELIABLE BANK AND SET UP A AUTOMATIC RECURRING DEPOSIT FROM YOUR CHEQUING ACCOUNT INTO YOUR SAVINGS ACCOUNT.
- IT WILL ENSURE THAT YOU ARE CONSTANTLY SAVING AND ARE MEETING TARGET.
- FOR AN EXAMPLE, IF YOU MAKE
Shante-Robinson, 2007-10-05 08:29:10 ,000 A MONTH, YOU SHOULD SAVE AT LEAST 200-300 DOLLARS OUT OF IT. - YOU DO NOT HAVE TO BE A FINANCIAL STRATEGIST OR PARTICIPATE IN DONALD TRUMP'S OR WARREN BUFFET'S SEMINARS TO UNDERSTAND THE IMPORTANCE OF "PAY YOURSELF FIRST".
- BUT ONE THING YOU SHOULD ALWAYS CONSIDER IS THAT SAVINGS ARE THERE FOR YOU TO USE IN THE FUTURE.
- IT IS EASIER TO START SAVING IN YOUR YOUTH AGE THEN AT 50 YEARS OLD. loans for money i need money.
- I HOPE THAT I AM ABLE TO CONVEY MY POINT IN BRIEF TO YOU.
- HAPPY SAVING
stocks would probably be the best loans for money i need money loans for money.
- workfromhomefree.
- Get a savings account. workfromhomefree.
- Their really helpful and you could put your own restristions on it and then you couldn't be tempted to get some out and only put money in.
- Never spend your pocket change.
- Instead, put it in a jar at the end of each day. workfromhomefree.
- DO NOT TOUCH THIS MONEY!!!
- In the 6,570 days from the birth of your child, you can guarantee him at least ,570.00 cash!!
- Remember, never spend change. i need money.
- Just break a bill when you by something.
- That amount could even triple or more!
- And the best thing, you won't even feel it.
- As for the emergency money, it will depend on what type of insurance you carry.
- Even then, however, you may still need ready cash.
- I have found saving up to
Shante-Robinson, 2007-10-05 08:29:10 ,000.00 cash in a fireproof safe, has always been sufficient for my needs. loans for money. - If you do use some of this savings, replace it ASAP.
- Now to buy a house. i need money.
- Saving 20% of your total income for 5 years, should be enough to put a reasonable down payment on a home of your choice.
- Get that home loan going as soon as financialy possible.
- In general, you are paying more in rent, than it would cost for a homeloan, and there is where your real saving will start.
- I wish you the best, and as one of the first things our son learned in kindergarten; " Give it your best.
- Don't let anyone tell you you can't do it.
- Give it your best!
- If you do, you can conquere the world!! loans for money.
- "
Maybe a saving's plan or get a job while ur in collage or something like that.
you could open a savings account where you just put so much in each month and don't touch it. Honestly, you will want to put in lots of money, but if you have expenses like everyone normally does, it will be very hard for you to do it. You could put something as small as 20.00 a month or every other week and just don't take any out once you do. Or you could put one large sum into a cd bond and the bank won't allow you to touch it at all, or at least for so many years. I think it would be a good idea to start saving now too, but putting it in a bond would make it easier for you to save.
Well, for college, a 529 college savings plan would be a good start. A Coverdell savings account would be good too. For emergency money, look into money market mutual funds and money market accounts. Very liquid and easily accessible. Good luck.
get a large water dispenser jug and cut a slot in it that coins can fit into. put all of your spare change and whatever money you want in it. it is hard to access the money without cutting open the top of the bottle so you won't cheat and take money from it and you can visually see how much you have. my dad saved over 00 in just spare change doing this over about 7 years. and i saved about 0 dollars in only 4 years, enough for my laptop.
- Just for college go with the 529. workfromhomefree.
- Go to loans for money.
- www.clarkhoward.com for a great list and what is available in your state as far as tax advantages. i need money.
- Also, be sure to vote Republican early and often or any savings plan will just be taxed, taxed taxed!
First off, congrats. Secondly, the best thing anyone can do is invest in their work's 401(K) program. Most places price match up to a certain percentage. For example, my job price matches 100% up to 5% of my wages I put into my 401(k) account. I put 5% of my paycheck into my 401(k) account before tax and my employer puts 5% in also.It sounds stupid, but I read in COSMO of all magazines, that if you invest about 10-20% of your earnings (approx 0 a month depending on your salary) you will have earned a cool mil in thirty years. A MILLION DOLLARS! That right there sells itself.See what your job offers for 401(k). If you're hesitant, don't be. There are many routes to take for your 401(k) investments. Some companies (like mine) also offers free advice on what to invest in. I can't stress enough the importance of investing in your future. It's basically a retirement fund, but you can borrow against it for things like remodeling, college, bills, etc, for yourself, spouse, or dependant.Best of luck to you! I really hope this helps. It's probably the wisest decision I've made to date.
get a bank CD you give them any amount of money and they give you a paper and in five years your money will double
i think you should throw some money into the bank(a reasonable amount, but not to much) If you put enough in it will grow pretty fast i need money workfromhomefree workfromhomefree.
try to plant a few dimes in the ground!!! they will grow almost overnight into money trees!!seriously though i would invest in a few penny stocks. some of them have grown so fast it seems like they did grow overnight.
savings accountscd'sstocks (as long as they are good companys that are know to make money) i need money workfromhomefree i need money.