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For more information about these issues call the Utah State University Extension Grand County office at 259 7558.

This last in my series of financial articles concerns saving money. Americans have had dismal savings habits for years. personal savings rate at 10 percent or higher in the 1970s and 1980s, falling to around 2 percent in the late 1990s, rising a bit after 2001 and decreasing to 0.5 percent or lower in 2007.

The bottom line is that if you have been living paycheck to paycheck, which many of us have done and still do, it would be wise to look for ways to cut expenses, save and don't spend those savings except for your goals.

most of us would agree with but it's that much harder to obtain. This emergency fund could be one of the goals you have to slowly work toward and as long as you are working toward it that's good.

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Letters may not exceed 400 words in length, must be regarding issues of general interest to the community, and may not include personal attacks, offensive language, ethnic or racial slurs, or attacks on personal or religious beliefs. Letters should focus on a single issue. Letters that proselytize or focus on theological debates Hamilton Michael Kors will not be published. During political campaigns, The Times Independent will not publish letters supporting or opposing any local candidate. Thank you letters are generally not accepted for publication unless the letter has a public purpose. Thank you letters dealing with private matters that compliment or complain about a business or individual will not be published. Nor will letters listing the names of individuals and/or businesses that supported a cause or event. Thank you letters about good Samaritan acts will be considered at the discretion of the newspaper.

Gardening Living in Grand Style

One of the most important aspects of a savings program is finding a way to save that really works for you. This might be something as simple as saving coins, which really can add up, or better yet, having money direct deposited each month out of a checking account into a savings account. Direct deposit takes the burden off of you having to take time to go to the bank and fill out a form and make the transfer before the money is spent.

´╗┐Gardening Living in Grand Style Saving money

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The USU Extension staff would like to wish everyone a very Merry Christmas and/or other holiday season and a Happy New Year. Americans have had dismal savings habits for years. personal savings rate at 10 percent or higher.">Share This ArticleGardening Living in Grand Style

view on issues important to this community. That forum is the "Letters to the Editor." Letters to the editor may be submitted directly to The Times Independent through this

While buying items on credit, especially those "wants," allows you to "have it now," eventually the credit card has to be paid. If you have had too many "have it now" credit items and you only make monthly payments then you know that in order to pay off your credit cards, loans and interest you can be left with less money for your current daily, weekly or monthly needs.

To reach your financial goals, your needs and wants should be considered in your savings plan. In our financial classes we find people really struggle with separating out their "needs," those items we have to have to make it through life such as shelter, food, clothes, and transportation from their "wants," items such as that really nice pair of shoes, a new TV, video game system, etc. Buying with credit cards and planning to pay it off later isn't always the answer, and yes, I know that for years the general American economic plan seemed to suggest this was how it should be.

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While it's suggested that 10 percent of your income is a savings goal to shoot for, if you haven't been saving much or at all it might take time and practice to reach that level so any amount is a positive start.

However, saving money isn't just as simple as putting money away somewhere. You should know what you are saving money for. You want to determine your goals for saving and also how you plan to allocate those savings. As was discussed in previous articles there are those true savings needs, such as housing/transportation, emergency funds and retirement, but you should also save money to periodically allow yourself to buy a "want" rather than using a credit card for such purposes.

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Other ways include saving your tax return money or, perhaps best of all, consider truly tracking expenses with something like a daily money tracker and then slashing unnecessary expenses and putting that money into savings.

The general consensus is that we should have at least three months of monthly expenses in our savings in case of lost income due to illness or job loss. Many economists would suggest having six months of income saved is better, which, of course, Michael Kors Jet Set Crossbody

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Yes, I know it's easier said than done. I realize that with the media blast we get each and everyday the desire to have this item and that one or have what the neighbors have can be overwhelming. Finding satisfaction with less "things" than advertisements, friends or even you have previously thought was possible can happen, and the benefits can be far reaching.

We're glad to give readers a forum to express their points of Michael Kors Bags Online

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a level not seen since 1993. In some European countries savings rates have averaged 10 percent or better over this time, and in China rates have hit 20 to 30 percent for years.

However, our savings rate does appear to be increasing as government data suggests the rate reached 6.9 percent in May of this year Michael Kors Tote Grey

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