Small changes can yield big savings

The recent economic situation has many people trying to save more money.  In 2005, the personal savings rate had fallen to below 1 percent, indicating that many Americans were spending either all or even more than they were earning. 
The current personal savings rate, nearly 6 percent, shows more Americans are building their savings.
Savings provides many people with a feeling of financial security – knowing they have money set aside to pay off debt, prepare for retirement, or purchase a big-ticket item, such as a house or car. 

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