Utah Saves

Are you ready to take control of your financial future? Utah Saves is here to help you achieve your financial goals. One of the most important things you can learn in life is how to save money. Anyone can do it. You just have to put your mind to it. Once you start, it gets easier and easier and before you know it, you're on your way to making your dreams a reality. What are you waiting for?

Take the Utah Saves Pledge


Contact Utah Saves at 1-800-350-9899


Got a financial question? Need financial counseling? Contact AAA Fair Credit Foundation

AAA Fair Credit Foundation is located in Downtown Salt Lake City and provides consumers with quality financial counseling services and asset building programs. Their goal is to help individuals and families reduce or eliminate debt, use credit efficiently, and build a strong, secure financial foundation for the future. Utah Saves would recommend AAA Fair Credit to any of our savers in need of some personal financial counseling.

Give them a call at 1-800-351-4195 or visit their website www.faircredit.org


America Saves Week Events: Utah Saves would like to thank all of those who participated in America Saves Week 2016. A special thanks to all of our partners who put on events throughout the week to help create financial stability. We hope to see some of you next year!

 

Event: Davis Bach - Start Smart Finish Rich

Date: Tuesday, February 23

Description: Financial expert and nine time New York Times best-selling author who will share just how easy it can be to build financial freedom when you start young without a lot of money, a strict budget, or even an interest in money.

 

Event: Mike Whitesides (Travel Guru)

Date: Wednesday, February 24

Description: Learn how to get the best and greatest travel deals and travel often with the creator of wetravelcheap.com

 

Event: Al Bingham (Credit Guru)

Date: Thursday, February 25th

Description: Mortgage Industry, credit building expert, and author of The Road to 850, will teach you how to improve your credit score in order to live and healthier and more carefree life.

 

Event: Emergency Savings 101

Date: Thursday, February 25th

Description: Do you know if you are adequately prepared financially for an emergency? Come learn how to evaluate your financial preparedness including how to prepare your important financial information to take with you if you had to leave your home with a moment’s notice.

 

Event: Utah Educational Savings Plan (UESP) Workshop

Date: Thursday, February 25th

Description: A representative of the UESP will discuss the benefits of establishing a college education fund, how the plan works, and how to open accounts. A campus representative will also provide a brief introduction to the college and the education opportunities they offer.  Door prizes will be raffled off to those in attendance

 


 

The Holiday Savings Challenge: Save as much as you spend on Holidays

As major spending holidays like Halloween and Christmas come and go, the opportunities to spend – spend – spend will be around every corner and in every storefront. But you have a choice; you don’t have to buckle to the pressure!

This holiday season, Utah Saves is challenging you to not only to be smart in the way you budget, but to save one dollar ($1) for every dollar you spend. It isn’t as crazy as it sounds –

  1. Make your list and check it twice. Develop a list for your upcoming holiday, and be as honest about the dollar amount as possible. Include any costs for gift-giving to family, friends, and colleagues, travel, food, or entertainment that might be associated. Do you give a little extra tip to your babysitter, hair stylist, or favorite barista? We often forget to include these gifts in our budgets, so be sure to add them, too.
  2. Prioritize and negotiate. What do you need to make it a happy and successful holiday? Divvy up your list into needs versus wants. You need to pay for travel to your holiday destination, but maybe you can pack some food from the pantry rather than buying a meal along the way. The goal here isn’t necessarily to shorten the length of your list (although doing so will help, too), but rather to negotiate the dollar amounts for your list down.
  3. Tally it up and set your savings goal. Add up the sum total of your holiday list, and don’t be shy about negotiating it down some more. Once you’re at a number (and a list) that is both realistic and manageable, take that final amount and set it as your savings goal for the season. Those who make a commitment to themselves and their family to save usually save more than those who don’t. Take the Utah Saves Pledge to make your commitment real and gain monthly advice and support along the way.
  4. Make it automatic. Every time you cross an item off the spending plan, set up a transfer from your checking account into a savings account. This isn’t necessarily something that you can set on autopilot, but rather can establish as an automatic habit. Starting this process as early as possible can also help you to renegotiate your spending plan if you find that you are having a hard time matching.                                    

You don’t have to let holidays break the bank. Join the ranks of those opting to reduce spending and prioritize savings this holiday season. You, too, can reduce spending and save money. 


IDA Matched Savings Program and Workshops

Utah Saves is a proud advocate of the Utah Individual Development Account Network. Individual Development Accounts (or IDA) are a great way for an individual to jump start their life and achieve some of their short term financial goals. They provide the opportunity for participants to enhance education, purchase a home, or fund a small business through a match savings program. Qualified Savers receive a $3 match toward every $1 (up to $1500) they save. Visit www.uidan.org for enrollment details.

Valerie, an IDA Graduate, was recently featured on the Hearts of our Community Website. Learn more about the possibilities the IDA program can provide by reading Valerie's story here.


IDA Financial Management Training 

These 8 hour workshops are the first step in applying to the IDA program and provide crucial financial life skills including budgeting, money management, wise use of credit, and consumer protection. Anyone can attend, classes are free of charge. 

8/6/2016 - IDA Financial Management Training Course - YMCA Taylorsville, UT

Seating is limited for this event and requires you to register. Please click here to reserve your spot today.

Location: YMCA Community Family Center, 4223 S. Atherton Drive, Taylorsville UT
Times:
8/6/2016: 8:30 AM - 12:30 PM
8/13/2016: 8:30 AM - 12:30 PM


8/9/2016 - IDA Financial Management Training Course - Community Action Services, Provo, UT

Seating is limited for this event and requires you to register. Please click here to reserve your spot today.

Location: Community Action Services , 815 So. Freedom Blvd. Suite 100, Provo UT 84601
Times:
8/9/2016: 6:00 PM - 8:00 PM
8/11/2016: 6:00 PM - 8:00 PM
8/16/2016: 6:00 PM - 8:00 PM
8/18/2016: 6:00 PM - 8:00 PM


9/14/2016 - Smart Money Moves - Logan, UT

Seating is limited for this event and requires you to register. Please click here to reserve your spot today.

Location: Cache County Administration Building, Multipurpose Room, Suite 109, 179 North Main, Logan, UT
Times:
9/14/2016: 6:00 PM - 8:30 PM
9/21/2016: 6:00 PM - 8:30 PM
9/28/2016: 6:00 PM - 8:30 PM


Credit Score Quiz

Want to brush up on your knowledge of credit scores and how they work? Take this quick, 12 question quiz! 

www.creditscorequiz.org


 It's easy to be a Utah Saver and it's FREE!

  1. Set a Goal
  2. Make a Plan
  3. Take Action

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Utah Saves


Read the Newsletter

Volume 15, Issue 4 of the American Saver, official newsletter of the America Saves campaign, has been published.

Read the Newsletter

Partner Resource Packet

Want to share savings messages?

Our Partner Resources Packets include a guest post, social media content, and more.

Current Theme: Living at Home: A New Normal for Millennials

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Tip of the Day

  • Keep track of your spending. At least once a month, use credit card, checking, and other records to review what you've purchased. Then, ask yourself if it makes sense to reallocate some of this spending to an emergency savings account. http://ow.ly/sj972

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Saver Stories View all »

The Gift of Homeownership

Quaneka Willis, a single mother of three children, was receiving rental assistance through the Housing Authority of the City of Milwaukee when she decided to take control of her finances. So, in September of 2013 she attended the Make Your Money Talk program and pledged as a Wisconsin Saver. In less than 12 months, she had maximized her savings and was beginning the process of purchasing her first home.

Read more...

Transforming “I Can’t Save” to “I Will Save”

You will not believe what it took to completely change my life. About three years ago, the HR Administrator of the corporation where I worked (as a temp with no benefits) forwarded an email to me. Fifteen seconds. One small act of kindness. That's it - that's all it took!

Read more...

Coping with a Lost Job

Aimee Shaffer worked as a Public Service News Director for radio for years until one day her employer downsized the company, resulting in hundreds of lost jobs, including Aimee’s.

Read more...