wich is the best way to saving money?
595188
Put your money in a bank you know you will have a hard time getting to.
767342
im 24 now, ive been really saving since i was about 19... try using Microsoft Money. Its personal finance software. It lets you keep track of your income and expenses. you can create a budget... and once you do, you'll see where you spend your money and you will realize what is important and what is not. when i started using that software, it got me more and more excited about money because you see what is coming in and going out.
39788
Go to bankrate.com and look for rates on savings and CDs.  ING direct has high rates but there are others with even higher rates.
982576
get a savings account with someone else (like a parent or spouse, depending on your age) and put some money in it every time you get paid. make sure that it is a savings account that requires both peoples signature to withdrawl money. this is what I did when I wanted to save money and it worked great!
143896
The best plan is to get on a tight budget, work extra, sell stuff, and put all the extra money toward the debt.  Check out http://www.daveramsey.com and the forums there for additional information on becoming debt free.\n\nGood luck.
234432
Try getting a job and saving the money.
553754
Good for you for saving!  Too few people do that these days.\n\nBoth emergency and savings should be in a savings account or a VERY low risk mutual fund, where you can get to them pretty quickly if you need them.  They are designated as such by you, not the bank.\n\nAn emergency fund is just what it says - money you keep around (in an account, of course) for emergencies - unexpected medical bills, unexpected car repairs, etc.  The key here being UNEXPECTED expenses.  \n\nA savings fund is what you use to save for higher cost items that you want to purchase (TV, computer, newer  - never NEW - car, home).\n\nIn addition to these, you should be accruing CASH in seperate envelopes for things you buy fairly often, but not necessarily every week (auto repairs, home repairs, clothing).  That way, when your're ready for some new clothes or it's time for the oil change, you have the cash on-hand.\n\nIt sounds like you have a good handle on your finances.  If you want more tips and advice, check out one of Dave Ramsey's books from the library ("Financial Peace" or "Your Total Money Makeover").
363439
If you're a home owner, the best way to get your hands on money is to cash out some equity in your home.  It's your money (from one perspective) and the rates will be about the lowest available on a loan.\n\nI caution you though, borrowing more to pay off your debts isn't the solution; replacing the financial habits that got you into debt with more healthy financial habits IS the solution.\n\nIn general, people in debt live on 'if-come'; they spend more than they make.  To fix the problem, you have to begin living on less than what you make, creating a surplus of discretionary income each month that you can use to pay back the money that belonged to someone else (banks in most cases) that you already spent.  In the meantime, they continue to collect interest on the money that you spent that wasn't yours.  It's a nice business considering how many people today don't see it for what it is.  Watch TV for half an hour, there will be plenty of companies just itching to make you a consolidation loan.\n\nIf home equity isn't available to you, shop for a consolidation loan with the lowest APR available and make yourself a promise to cut back on your expenses and pay the money back.  Get tough with yourself and decide what you NEED to live, and get rid of the things that made life more fun; they cost money that you can use to get out of debt.\n\nIn short, whatever your income is, it is.  Learn to live on it or find a way to make more of it.  Continuing to spend money that isn't yours is just going to keep you in debt, if not dig the hole deeper.
290951
Create a monthly budget. First, spend one month collecting receipts, bills, etc. and determining what percentage goes towards rent, food, entertainment, transportation, etc. From that, you can determine which costs could be eliminated. By doing that, you can determine how much you can save during a month!!
127482
Start by saving small amounts, maybe the change you have in your purse after any purchases. If you use shopping coupons try saving what the money you saved from the coupons. If you work, try setting up a savings account where your employer deposits the money into your savings account. You might find that if you don't see the money, you  might not spend it. If you can get by with a small amount of savings try increasing the amount and see how that works. If you get a large tax refund when you file your taxes, have your employer adjust your witholding to a lower amount and try  to save the difference. Once you get in the habit of saving you will have success.   Good Luck!
166097
Well both of course! It's good to save it and invest it into something that will generate more like a savings bond or mutual fund! But spending money can be important too, just don't spend too much and keep it balanced.
88838
Make a budget and monitor spending habits.  Obtain receipts for every purchase to add up where you are spending money.  Find ways to cut back expenses that are unecessary.  Don't carry a credit card balance.  If you have one pay that off as soon as possible.  You are unlikely to find an investment that pays as much interest as credit cards charge for carrying the balance month to month.  If you use direct deposit, open a savings account at your bank and have a reasonable amount debited from your paycheck automatically into your new savings account.  Your spending will adjust, and you'll not notice the change before too long.
550013
Work hard, live frugal, invest your money.  Also, if you feel you're up to it, you could open a business (but still live frugal and work hard).
1098836
work and dont spend.\nlive with a lot of freinds and split the bills.\nlive in a box. stay a way from things like phones and tv and the intenet. ac and heat. and ride your bike. go to the libary for fun.\nbe cheap. or get another job like mow grass deliver papers. if you know pepole who dont like to clean charge them.
716839
Paul J is right. 25% is the way to go, and remember to put that 25% into your piggy bank as the FIRST THING you do with your money, when you get it.\n\nIn addition to that, I never spend my change. When I buy something, I only use bills to pay with, and just put the change in my pocket. At the end of the day, when I get home, I take all that spare change and throw it in a box. Next day, when I have to buy something, I only use bills to pay... etc. In no time, you'll find that all that spare change adds up to some real money. In an emergency, you can take it to the bank and cash it in for paper.\n\nI'm so proud of you for starting to think about saving, at your age. I didn't start saving until I was almost 40. Worse than that, I was in debt up to my ears, because of credit cards! It took me forever to get out from under that crushing load of debt, but I've learned my lesson. Never again!! If I can't pay for something with the cash in my pocket, I do without. And I NEVER touch my savings, except to count it and rub my hands together in glee.
903561
Buy a $1,000 Series I Savings Bond.  It's also one of the safest ways to invest.
1020732
work, save and invest.  if you want money go to where the money is.