There is so much "stuff" to buy today that saving becomes a low priority. Lets talk about all this “stuff”. Do we really need all this stuff? People are hiring organizers for their home to organize all the “stuff”. Builders are building houses bigger to hold all the “stuff”. Watch a home show on one of the home and garden channels, and you will hear the word storage in every show. Storage for all the “stuff” is mentioned many times. Just think if you had the money you spent on all that “stuff”, it would be a large savings in the credit union. Sure you can have garage sales but, it is a lot of work and you get a penny on the dollar for what you actually spent. So ask yourself when you think you need “stuff”, do I really need it and will it be useful? How often will I use it or would the money be better off saved in the credit union? Don’t buy with your emotions. If you see something interesting go home and think about it for awhile. Look around at different stores for a better price, you could save on the item. You might even talk yourself out of spending the money when you realize you didn’t need it as much as you thought.

Many people believe that if they can’t put a lump sum in a saving account you will never have much in your savings. That is not true. I have seen many accounts grow into large sums, by continued saving, and by the discipline of “paying yourself first” and leaving it alone. The bigger the accounts gets the more dividends you earn. In the credit union business we call interest, dividends because members are owners of the credit union. When your account gets big enough to put it in a certificate you can earn even more dividends.