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spookyooky | Puting $20 in a savings account a good idea? |
Hi,
I'm 16 years old and I opened up my joint checking account and savings account with TCF bank today. I am a HUGE fan of saving money for college.
Today I had split my $320 into my 2 accounts a checking account with $300 and $20 into my savings account at 1.25% annual interest rate. The savings account was free with no annual fees up until im 18.
1) So, the question is it a good start by puting $20 into my checking account with 1.25% annual interest rate? and will my TCF savings account do any good for me on the long run?
2) And how much $$$ should I put in my savings account and checking account on my next pay check? ($280)
I am 16 year old male living in Minnesota if anyone asks... |
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Steve
 |
Since you are 16 I assume you do not have many bills, maybe a cell phone bill every month? You should only put money you plan to spend into your checking account, and put the rest in your savings. |
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Steven L
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Saving money is never a good Idea, nut case. here's what you need to do. go to the mall, put as much money into clothes as possible. The government owns banks across America **. The government governs your money. They could take it and not have to give a reason. They can't take your clothes, because that would be forcing a citizen into a misdemeanor (public indecency [sp]). |
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stan c
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Whatever you're comfortable with. |
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greeter7
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You should be commended (bravo) for thinking about a savings account. A checking account is for money you are going to spend.. if you only need say $100 in a months time and will get more money at a later date then it would be smart to put more money into the savings acct. You will be surprised how fast it will grow. Continue putting more and more into the savings account and spend as little as you need. NOTICE I SAID NEED. Buy want you need and not what you WANT! Your parents should be VERY proud of you. I would thank God for you if you were my grandchild. God Bless You!!! |
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Wayne Z
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Saving is a great idea but you want to be in the habit of saving a certain amount every week or month or every paycheck.
(I have a checking and savings account at TCF) |
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ravensfan5252
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It's always encouraging to see someone your age saving money. A college education is the best investment you'll ever make. At age 16, you don't really have too many expenses or bills you need to pay, so I would encourage you to save a little bit more than the $20 if possible. See how much money you spend in an average 2 week time frame (for all of your regular expenses plus a little on the side for fun) and try to save the rest. Money sitting around in your checking account won't really do you much good if you're not using it, so you may as well earn some interest on it. Shop around for banks too. Even with the low interest rate environment we're in now, 1.25% is awfully low for a savings account and comes nowhere near matching inflation even. Online banks like ING Direct or HSBC Direct can get you 3-3.5% rates with great customer service and easy access to your money, so there's no need to stay with your local bank just because they are nearby. If you would like, I can get you a $25 sign up bonus at ING Direct as well as part of their refer-a-friend program. Send me an email at jts5009@psu.edu if you're interested. |
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Uncle Buck
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Outstanding strategy.....Now next month if you did not use all of your checking account money.......Put some of that in your saving too along with another $20.00. If feasible move all the residue you did not use from the past month. Now once you reach $500.00 place you $500.00 into a CD. Since the market is tough now make the CD for 9 months or 12 months so you can move to a better paying CD during the end of the time frame. You should be able to get about 3.25 percent on a CD even for 9 month or 12 month period.
Good luck. Gee I'm proud of you!!!! |
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brookefootball32
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If your saving up for college then 20 bucks in todays economy really isnt going to buy you too much. I try to save half of my paycheck during the summers for school so i have spending(beer) money. |
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alaisjones
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Put it all in savings and live on $20.00. |
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Strider
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sounds good to me. |
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PAUL M
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I would suggest reading the book entitled "The wealthy barber". One of the chapters speaks about saving a dollar a day, at 10% interest, starting when you're 18 (I believe), because this will land you with $1,000,000 by the time you're 65. Well, I believe those were the figures, I still have the book - perhaps I should give it another read.
Where this is going is if you can save 10% of your paycheck a month, you'll be on the path to financial freedom as you'll quickly understand the value of money and how finances work. Banks also like seeing a good savings track record, and that alone will help you in the future when it comes time to apply for a loan.
Good Luck kid! You're on the right path in my eyes. Cheers! |
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Ronae
 |
Good job with saving your money!
I suggest you save majority of your money in the account (checking or savings) that you will not touch.
The other account can be your working account to pay for stuff. You should also give yourself a set allowance out of each pay check to encourage good budgeting habits.
For example:
Checking: $50
Savings: $200
On-hand: $30
By doing this, you'll quickly accumulate a sizable savings. TCF is an okay bank as long as it doesn't charge fees for ATM usage, insufficient funds or minimum account balance, etc.. The fees is where banks make billions of dollars a year.
You should verify if TCF has a points program, where you can earn points with purchases you make using your TCF debit/credit card. The points add up quickly and you can use the points to purchase a variety of outstanding gifts from the online TCF catalog. If TCF doesn't offer a points program and you plan on keeping a checking/savings account, you may want to consider switching to a bank (National City, Charter One, etc.) that does offer such a program.
Happy Saving and Best of luck! |
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sweetie<3
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sounds good i wouldd. |
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