Manage your finances and start saving for your future goals.
Be specific with savings and investment goals:
When setting your goals, the more specific you are, the better. You're more likely to reach specific goals when you can measure your progress against a fixed deadline and dollar amount.

• Short-term goals involve such things as having enough to cover the down payment on a new car, buying bedroom furniture, buying a new wardrobe or paying for a luxury vacation.
• Medium-term goals involve greater sums of money to pay for such items as a home down payment, home improvement or covering a portion of future college expenses.
• Long-term goals should also be a part of your overall savings strategy. These goals include building assets to pay for a young child's future college years and, of course, having enough for your retirement years

Benefit of Spending Less Calculator
Reducing your spending can be worth more than you might think. Use this Benefit of Spending Less Calculator to help you see just how much your budget reductions may be worth if you were to invest them. View the value of this new potential nest egg both with and without taxes factored in.

Savings and Inflation Calculator
The value of your savings can be affected by both inflation and taxes. Use this Savings and Inflation Calculator to help you determine how much your savings will be worth with these two important variables in mind. Click the "View Report" button to get more information and a year-by-year savings schedule.

Savings Calculator
Consistent investments over a number or years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. Use this Savings Calculator to examine how to put this savings strategy to work for you.

Compound Interest Calculator
How interest is calculated can greatly affect your savings. The more often interest is compounded, or added to your account, the more you earn. The Compound Interest Calculator will demonstrate how compounding can affect your savings, and how interest on your interest really adds up!

Look at investing and saving as an exciting means of getting the most out of what you earn so that you can accomplish what you want. Whether it's a savings account, a mutual fund, the stock market, insurance, real estate, or your own business, you can use these vehicles to achieve the goals you set.

College isn't getting cheaper. Click here to see how much college will cost you when you're ready.

College costs differ with each university, however they generally break down into four categories:

• Tuition.
• Room and board, whether living in a dormitory or off campus.
• Books, lab supplies and academic fees.
• Transportation between classes, home and campus.

Projected college costs
College costs generally rise each year, but also take into account that your income is likely to rise as well. Typically a yearly increase of 5% in college costs can be assumed

College Savings Plan
When you build a savings and investment plan for college, you can employ a mix of growth vehicles (such as stocks and mutual funds) and income investments (such as certificates of deposit and bonds). Growth investments have historically provided greater return than income vehicles over the long term, but they can fluctuate in value and are considered riskier. If college is several years away, you may want to have more of your money in growth vehicles. As the time to go to school gets closer, you'll want to gradually shift your investments to income vehicles.