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The three key areas to focus on in setting your savings program is to; set your goals; pay yourself first and stick to a budget.

The most effective but toughest way to increase savings is to reduce spending.  When you are committed to a budget, you know where you money is going, and there will be no surprises at the end of the month when it’s time to honor your savings goals and financial obligations.

Students who graduate in debt have never learned or practiced good savings habits. and consequently will tend to be poor savers in the future.  the less money you and your student save today, the greater amount you and they will need to borrow tomorrow.

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