By Katie Bryan
Do you have $1,000 set aside for emergencies? If you already do, you could probably use another $1,000 in that account. Experts recommend keeping at least three months expenses in a reliable, liquid account – though even an extra $1,000 can be a life-saver. But finding $1,000 to save isn’t always easy. That’s why we’ve put together this 4-step plan on how to save $1,000 in 10 months.
Get Started with These 4 Steps
- Find a Safe Place to Save Your Money – You will want to save your money in an account that you can access easily in case of an emergency. That means you should probably not keep this savings in a U.S. Savings Bond or in mutual funds. Choose a traditional savings account or a short-term certificate-of-deposit (CD), currently the most attractive accounts. (Early withdrawal penalties on a CD rarely lower the yield below that of a savings account.) Consider opening a new account or sub-account for this money so you’re not tempted to spend it. Most importantly, do not keep savings in a checking account, which pays no or low interest and is too easy to access.
- Save $100 a month – If you are already saving $100 a month, great! Skip to step 3. If not, you need to either earn $100 more a month or cut back in order to find that $100 to save. America Saves has a list of 54 ways to save money to get you started. It can also help to pay yourself first and save the $100 at the beginning of the month instead of waiting to see if you have money left over to save at the end of the month.
- Automate Your Savings – Setting up an automatic way to save is one of the best ways to save. Once you set it up, then it happens without having to think about it. Here are two ways to automate your savings. 1. Every pay period, ask your employer to deduct $100 from your paycheck and transfer it to a savings account. Ask your HR representative for more details and to set this up. 2. Ask your bank or credit union to transfer $100 from your checking account to a savings account every month. Talk to your local bank or credit union to set this up.
- Watch Your Savings Grow for 10 Months – The final step is to sit back and watch your savings grow. How often do you look at the calendar and think it’s half way through 2014 already? The same will apply to your savings; Before you know it you will have that $1,000. They key is not to touch the money unless you have an emergency – that’s what the money is there for after all.
Once you have at least $1,000 in your emergency account, continue your savings success and continue to build your emergency savings or apply that money to a new savings goal. Perhaps you have debt you need to pay down or want to save for a car or home.
No matter what you are saving for, America Saves can support you with tips and advice through emails and text messages. Sign up for these by taking the America Saves Pledge Today.
Katie Bryan works for America Saves, managed by the nonprofit Consumer Federation of America (CFA), which seeks to motivate, encourage, and support low- to moderate-income households to save money, reduce debt, and build wealth. Learn more at americasaves.org.
Hi everyone! So come August I will be going to El Salvador on a service and learning trip to help the community of Suchitoto and learn first hand about the 12 year long civil war that devastated the country.The group I am going with is simply a small bunch of eleven college students following their History Professor to stay and work at the Centro Arte para la Paz, a non-profit organization (which you can learn a bit about here), to give what ever assistance we can to the local community be it fixing up buildings, planting gardens, repainting structures, ect.
That being said we could really use some support. Unlike most service trips which have backers or larger organizations supporting them we have nothing….
I was finally able to get a hold of some pictures from past trips to share with everyone so you all can a bit of a more personal look at the area we will be the working in as well as the past work that has been done to support the Suchitoto community.
There will of course be plenty more pictures upon my return as well as stories about the trip and better explanations of our work down there but first we need the help getting to El Salvador.
The group I am going with has teamed up with www.northstatewomenshealthnetwork.org and are accepting donations via their website as well as the donation button on our page. Again if you wish to make a donation in the form of items for us to take to Suchitoto (such as children’s shoes, blankets, clothes, or basic medical and hygiene products) just send a message off anon so I can reply back with an address which you can mail packages too.
Thank you in advance to everyone who helps make this trip possible what ever the means!
Putting this on blast again as we are now 10 days away and still in great need of support! The little group I am going with has finally been approved for a GoFundMe page so if you have been waiting for that to show support the link is http://www.gofundme.com/bnqpdk otherwise you can still donate via any other link I have provided.
We could really use your donations as this will help us better support the community of Suchitoto. Our goal is $3000 and we have little time left to raise the money so if you can show your support that would be wonderful. If you could share this and get others involved that is appreciated just as much. Everything helps at this point.
This is a masterlist of real guides and tutorials for survival skills that would be useful for a character in a zombie apocalypse or survival setting. (Or for you, if you’re ever lost/stranded in the woods or caught in an otherwise dangerous/desolate situation without essential food, tools, or shelter.)
Please like if useful/reblog if RPH.
Bold: video guide
Regular: Text/graphic guide
Food and water:
- How to open a can with a spoon
- How to open a can without any tools
- How to filter water using a tree branch
- How to bake bread outdoors
- 5 Different ways to bake bread over over a campfire
- How to catch fish without a pole, using a net
- 5 edible plants found in the wild
- How to fill your canteen from a tree
- How to spear fish
- Wild plants you can eat
- How to weave a fishing net
- How to carve a needle and gauge for net weaving
- How to make a fishing rod using a stick
- How to make rawhide skin
- How to make a squirrel snare
- How to make a trap for small game
- The best bushcraft campfire set up [Parts 1, 2, 3, 4]
- How to make rope (no tools)
- How to make rope/cording from bark
- How to make char cloth
- How to make a crawfish/crawdad spear
Shelter & Heat
- How to build a snow shelter (quinzhee)
- How to build a free-standing debris shelter
- How to build a free-standing debris shelter (no tools)
- How to build a raised-bed for your shelter (no tools)
- How to build a dugout shelter (no tools)
- How to build a fire on damp ground
- How to start a fire with sticks
- How to start a fire using a soda can
- How to make an all-night fire
- How to start a fire with water
- How to start a fire with urine
- How to carve an obsidian arrowhead
- How to make a quick arrow
- How to make a survival bow and arrow
- How to make a spear
- How to make a 4-pronged spear
- How to make a Molotov Cocktail
- How to make gunpowder and detonation devices
- How to make smoke bombs
Health and medicinal
- How to make antiseptic mouthwash with barberry
- How to make a willow toothbrush
- Wilderness first aid plants [Part 1, 2]
- How to make willow bark medicine (anti-inflammatory)
- Uses for plantain weed
- Using yarrow for cuts/wounds
- How to make an all-natural bodywash using plants
- Smoke Baths & Deodorant