Saving is the only way you can be sure to have money ready when you really need it. For that new iPOD or trip to someplace special, your share savings will provide the money you need. And, while it isn't always easy to save, all it takes is a few dollars every month.

Saving is a habit. The only way to really build your share savings is to save for a goal, or something special, particularly something that costs more than you have right now. It may seem crazy to put away just a few dollars at a time, but with the dividends you earn, those few dollars add up fast.

Before you know it, you'll have the money you need for that goal. Then, decide on another goal. Each time you save, you will find it becomes easier and easier.

Once you have $2,000 saved, consider moving it to a Money Maker Account at Altier to earn even more interest on it, especially if you don’t plan on spending it right away.

Think of saving as paying yourself first. Your savings will let you get the things you want or need. Pretty soon you'll be in the savings habit!