{"id":16676,"date":"2015-11-24T11:46:47","date_gmt":"2015-11-24T16:46:47","guid":{"rendered":"http:\/\/nccumc.org\/treasurer\/?page_id=16676"},"modified":"2022-06-07T13:43:49","modified_gmt":"2022-06-07T17:43:49","slug":"financial-wellness-centersaving","status":"publish","type":"page","link":"https:\/\/nccumc.org\/treasurer\/financial-wellness-center\/financial-wellness-centersaving\/","title":{"rendered":"Saving"},"content":{"rendered":"\n

There are two thoughts that come to mind when the word “saving” comes up.  There is saving for today – pinching the pennies to reduce the amount paid for a current purchase.  And then there is saving for tomorrow – having the money on hand for a future purchase that may be known or unknown today.  Either way, we all agree saving is good!  But sometimes it is so hard to get started!  Making a Spending Plan <\/a>is key to managing your expenses so that you can find the money you already have that can be saved towards whatever goal you’ve set for yourself.<\/p>\n\n\n\n

There are thousands of ways to save money on today’s purchases.  The internet, word of mouth from other people, and your own experience will lead you in that area.  Here are some resources to get you thinking about the bigger savings you could be doing for the future.<\/p>\n\n\n\n

The Sinking Funds Concept<\/h2>\n\n\n\n

By applying the sinking funds concept <\/a>to your personal financial plan, you won’t be surprised by routine lump sum expenditures.<\/p>\n\n\n\n

Saving for Emergencies<\/h2>\n\n\n\n

An Emergency Savings Fund <\/a>is a basic goal for everyone.  It is your own insurance plan against the what-if’s of life.<\/p>\n\n\n\n

Saving for Purchases<\/h2>\n\n\n\n

Saving up for short-term goals like vacations, the newest electronic gadget, and moving up in car will avoid debt and paying more than the sticker price after added interest.<\/p>\n\n\n\n

\nhttps:\/\/youtu.be\/U8oCJ8qAYQc\n<\/div><\/figure>\n\n\n\n

Long-Term Goals<\/h2>\n\n\n\n

Check out the Funding College <\/a>and Retirement Planning <\/a>pages to learn about how to prepare for those milestones in life.<\/p>\n","protected":false},"excerpt":{"rendered":"

There are two thoughts that come to mind when the word “saving” comes up.  There is saving for today – pinching the pennies to reduce the amount paid for a current purchase.  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