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View Poll Results: Should i start a savings account?
Yes 26 61.90%
No 3 7.14%
Depends how fine this booty is at the checkout. 13 30.95%
Voters: 42. You may not vote on this poll

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Old 10-10-2012, 12:50 AM #1
AlienBoy
 
 
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Savings Account good idea or bad idea?

Been deciding if I should open a savings account. You guys like or dislike savings accounts?

What are the Pro's and Cons?
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Old 10-10-2012, 12:57 AM #2
frankie says chillax
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higher intrest (nothing too super right now)
actually helps you save some money


google it, derp
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Old 10-10-2012, 01:07 AM #3
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why not?
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Old 10-10-2012, 01:17 AM #4
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So 100.00 in savings account would make me rich later on down the road?
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Old 10-10-2012, 01:23 AM #5
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lol just keep saving
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Old 10-10-2012, 01:25 AM #6
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donate your money to barack obama, that way when he gets reelected you can keep collecting those juicy welfare checks
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Old 10-10-2012, 02:10 AM #7
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Quote:
Originally Posted by AlienBoy View Post
So 100.00 in savings account would make me rich later on down the road?
Seriously? Come on now, don't you take a basic consumer education class in high school?
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Old 10-10-2012, 02:45 AM #8
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ugh no?
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Old 10-10-2012, 05:44 AM #9
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Savings account will not give you a high rate of return. Interest on it will suck. It's still a good idea to have one, because it's stable, will allow you to separate your money and save some when you otherwise might spend it if it was just in a checking account.
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Old 10-10-2012, 06:44 AM #10
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Credit union. Or 401k/ IRA.
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Old 10-10-2012, 07:11 AM #11
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Honestly you won't earn **** because the interest rates are crap right now. Regardless, it is always a good idea to start a savings account. If you have a job, and don't blow all of your money, you should start putting in some % of your paycheck (10-30% IMO) into a savings account. If you can't afford to put at least 10% of your paycheck into a savings account you might want to budget your life.

Are you just trying to start a savings account or do you have a more specific goal, such as buying a car?
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Old 10-10-2012, 09:59 AM #12
frankie says chillax
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he wants some new xbox games .....
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Old 10-10-2012, 10:05 AM #13
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Old 10-10-2012, 10:09 AM #14
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Why wouldn't you?

It's not going to earn you massive amounts of money by putting $100 in there. But it's meant as a place to separate your disposable income from your.. well.. savings. I drop about $100 into my savings each month to use for spur of the moment trips, or unplanned expenses. As a college student, I'd say I'm doing pretty well there.

If you've got a job, it's a really good feeling just to see the money pile up in there. Once you get past $1,000, it's almost a goal to just keep building it up.
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Old 10-10-2012, 10:27 AM #15
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almost like a checking account, but actually gives you interest. Not a lot right now, but everything helps. If you want higher interest, check out a Certificate of deposit or money market.
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Old 10-10-2012, 10:30 AM #16
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Don't do it, OP. You'll get a virus.
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Old 10-10-2012, 10:34 AM #17
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It's good that you want to save money. I did that for a while. Now I look back and was like **** that noise. I bought a truck and a motorcycle and other useless **** with the money I had stashed. Now I live check to check basically. And I'm okay with thay
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Old 10-10-2012, 11:09 AM #18
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Banks cannot be trusted, I carry all my savings in cash :nododgy:
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Gateway Theory? Absolutely, it leads me to my fridge every time.
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Old 10-10-2012, 11:22 AM #19
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Quote:
Originally Posted by bowgster
donate your money to barack obama, that way when he gets reelected you can keep collecting those juicy welfare checks
Where do i sign up?
-small buisness owner with a tax liability of more then your family makes a year.

Quote:
Originally Posted by buckeye_man18
Savings account will not give you a high rate of return. Interest on it will suck. It's still a good idea to have one, because it's stable, will allow you to separate your money and save some when you otherwise might spend it if it was just in a checking account.
THIS

Quote:
Originally Posted by undiscoveredtalent
Banks cannot be trusted, I carry all my savings in cash :nododgy:
U poor?
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Old 10-10-2012, 11:38 AM #20
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I treat my savings as a back up checking and make transfers all the time. Pretty pointless really, but I put a certain amount in my checking and try to make that last as long as I can before taking more from my savings. I don't have a job currently though. When I have a steady flow of income though I'm good at saving, hence my ability to not have a job at the moment.
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Last edited by parkrats : 10-10-2012 at 12:40 PM.
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Old 10-10-2012, 12:05 PM #21
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I did that for a while. Then I found myself just keeping all of my money in my checking and spending it anyway. It just takes discipline to actually put that money away, and budget your disposable income.
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