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9
Special Accounts

­If you find that you keep reaching into your savings, set up a CD or other acc­ount with early withdrawal penalties. Banks and other institutions pay more interest if you'll agree to let them use your money for a longer amount of time. Putting your savings into a yearly CD will yield more than a three-month note would.

  •
    Start the Countdown
  • 1: Focus on Savings
  • 2: Use Cash
  • 3: Cut Bad Habits
  • 4: Share the Responsibility
  • 5: Pay Down Debt
  • 6: Keep Your Receipts
  • 7: Balance Your Checkbook
  • 8: Analyze Your Spending
  • 9: Special Accounts
  • 10: Be Flexible
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