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Cooperative Extension: Save Money, Spend Less


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America Saves Week 2012 Social Media Project Consumer Survey

Consumer America Saves Week 2012 Social Media Project Survey

As the America Saves Week 2012 draws to a close, you are invited to participate in a social media project survey.  The purpose of this survey is to obtain your feedback on the Financial Security for All (FSA) Community of Practice (CoP) America Saves Week 2012 social media outreach project.  The project coordinators are extremely interested in your feedback because this project is considered a pilot for potentially larger projects in the future.

The survey should take less than 5 minutes to complete. You will be asked five questions about the messages that you received about saving money and the America Saves program. Respondents will be entered into a drawing for $10 gift cards as compensation for their participation in the study.

To participate in the social media project survey, please link to the consumer evaluation survey (Instant Survey) at: http://bit.ly/AetCoY

Note: The results of this consumer evaluation survey will not be available locally.  If you have questions or comments about the survey, please contact any one of the following people:

Barbara O’Neill, Ph.D., CFP, CRPC, AFC, CHC, CFCS Extension Specialist in Financial Resource Management Professor II Rutgers Cooperative Extension
732/932-9155 Extension 250
oneill@aesop.rutgers.edu

Michael Lambur, eXtension Evaluation and Research Leader
540/239-3965
mike.lambur@extension.org

Dan Cotton, Director, eXtension
402/472-2821
dan.cotton@extension.org

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

Money Management Tip #21

for America Saves Week… and Beyond

According to the U.S. Department of Energy, a typical U.S. family spends about $1,900 a year on home utility bills. Unfortunately, much of that energy is wasted. Find out how to conserve energy and save money with a free energy guide: http://www.energysavers.gov/pdfs/energy_savers.pdf. Enroll in America Saves and put your energy savings to work: http://bit.ly/gliVkL.

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

Money Management Tip #20

for America Saves Week… and Beyond

How energy efficient is your home? Get tips from the U.S. Department of Energy for conducting a DIY home energy assessment at http://bit.ly/C37Eq. Learn simple tips for evaluating your home for air leaks, insulation, heating/cooling equipment, and lighting. An energy efficient home will save you money on your monthly utility bill. For more savings tips, visit: http://bit.ly/ASWTips.

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

Money Management Tip #19

for America Saves Week… and Beyond

What would you do if you suddenly lost your income? Could you pay your bills and provide for your family’s needs for six months? Consider your liquid assets—or, what you can easily convert to cash. This could include savings accounts, money markets, or CDs. For tips on building your emergency fund, visit http://www.extension.org/pages/Building_an_Emergency_Fund.

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

Money Management Tip #18

for America Saves Week… and Beyond

Money-saving tip from America Saves: Get to know your bank! Take time to research the services your bank provides, such as overdraft protection, online bill-pay, or mobile alerts, which notify you via a text message if your checking account falls below a certain amount. Also, consider going online to get 24-hour access to your accounts. For more savings tips, visit: http://bit.ly/ASWTips.

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

Money Management Tip #17

for America Saves Week… and Beyond

Buy a home and pay off the mortgage before you retire. Did you know that the largest asset most middle-income families have is their home equity? According to America Saves, once you make your last mortgage payment, you’ll have far lower housing expenses. You’ll also have an asset that can be borrowed against or converted into cash when sold. For more tips: http://bit.ly/ASWTips.

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

Money Management Tip #16

for America Saves Week… and Beyond

According to America Saves, the best investment most borrowers can make is to pay off consumer debt with double-digit interest. For example, if you have a $3,000 credit card balance at 18%, and pay 3% minimum payments, it will take 14 years to pay it off. Add in accumulating interest, and you will pay $5,625 in interest charges! Become an American Saver at http://bit.ly/gliVkL.

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

Money Management Tip #15

for America Saves Week… and Beyond

Do you participate in a work-related retirement savings program? According to America Saves, many employees turn down “free” money from their employer by not signing up for programs such as a 401(k) plan. With a 50% match, you receive a 50% return on your investment!  Sign up for your workplace savings plan and become an American Saver at http://bit.ly/gliVkL.

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

Money Management Tip #14

for America Saves Week… and Beyond

Want to double your money? Divide the interest rate being earned on your savings into 72 to determine how long it will take. For example, with a 4% average annual return, $1,000 will double to $2,000 in 18 years. For more information about saving and investing topics from eXtension, the Cooperative Extension electronic information network, see http://bit.ly/fWpOBu

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

Money Management Tip #13

for America Saves Week… and Beyond

Did you know that almost all banking institutions will, on request, automatically transfer funds monthly from your checking account to a savings account or mutual fund? According to America Saves, these savings could provide funds for emergencies, a home purchase, school tuition, or even retirement. For more savings tips, visit: http://bit.ly/ASWTips.

For more information or to comment on this blog, contact:

  • deborah.killam@maine.edu

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University of Maine Cooperative Extension


Contact Information

Cooperative Extension: Save Money, Spend Less
5741 Libby Hall
Orono, Maine 04469-5741
Phone: 207.581.3188, 800.287.0274 (in Maine) or 800.287.8957 (TDD)E-mail: extension@maine.edu
The University of Maine
Orono, Maine 04469
207.581.1110
A Member of the University of Maine System