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Jean Chatzky,Today’s Financial Editor, shares three ways to hike your financial savvy—and security—this year.

1. Become a Secret Saver

Have 2 percent of your paycheck— the amount studies show that people can cut spending without noticing—automatically trans- ferred into a savings account. Then, ask the bank to unlink your savings account from your debit card so you can’t see your savings balance when you use an ATM. Instead, go online once a month to find out how much cash you’ve accumulated.

2.Check YourSpending

Use sites such as Mint.comto helpm you categorize spending. “Once you know where your money is going, then you can start to make changes,”Chatzky says. For example, people are typically sur- prised to see how much they spend on eating at restaurants or on takeout. Make small spending cuts first, she suggests, and examine payments that are automatically deducted from your checking ac- count, such as cell phone services, health clubs, car payments and subscriptions.“See if by making a series of small changes you can actually bring yourself in line and free yourself up to save more money. Make no mistake: The goal of a budget is to enable yourself to save more money.”

3. Refinance

Since interest rates are so low, consider refinancing home, car and student loans and transferring credit-card debt to a zero-interest credit card. “A lot of lenders are willing to refinance private student loans,” she says.

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the new Touch3. Hurry, sale ends 1/11/15.


Introducing the easy and affordable way to call, text and email.

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EASY Now you can talk, text, email, download apps and browse the Internet with ease. Unlike other smartphones that are complicated with tiny icons and multiple screens, the Touch3 is easy to use right from the moment you turn it on. Everything you want to do, from texting to taking photos, is organized in a single list on one screen with large, legible letters. This SIMPLIlED APPROACH TAKES ALL THE GUESSWORK OUT OF USING A SMARTPHONE AND PUTS EVERYTHING RIGHT AT YOUR lNGERTIPS

SMART Built by Samsung, the Touch3 has an ultra-modern look and has been specially designed with GreatCall’s signature simplicity. The 4-inch display and full-size on-screen keyboard make typing effortless, while the built-in camera lets you capture and share photos anywhere. The Touch3 comes preloaded with GreatCall’s award-winning medical alert apps, including 5Star®

and Urgent Care, so you can get the help you need wherever, whenever you need it.

AFFORDABLE Other smartphones require excessive plans that make you pay for data you don’t need. Starting at just$


a variety of data plans so you’re able to add the one that works best for you. Compared to other cell phone companies, you could save over $ making the Touch3 phone plans the most affordable on the market.

NEW! Buy today and get

a FREE Car Charger! Offer ends 1/11/15.

To learn more, call 1-866-415-1577 or visit

Full on-screen keyboard SIMPLIlES TYPING

Dependable nationwide coverage

The 25% Off Sale exclusively at: leaders’ lowest available monthly published fees. Plans and Services may require purchase of a GreatCall device and a one-time set-up fee of $ Offer ends 1/11/15 and applies to new lines of service only. 25% savings based on list price of $ 14999 . $

are trademarks of GreatCall, Inc. registered and/or pending in the United States and other countries. Samsung is a registered trademark of Samsung Electronics Co., Ltd. Copyright ©2015 Samsung Telecommunications America, LLC. Copyright ©2015 GreatCall, Inc.

Jitterbug,® 5Star,® GreatCall LinkTM and © PARADE Publications 2014. All rights reserved

Coverage is not available everywhere. You will not be able to make 9-1-1 calls when cellular service is not available. Phone plans do not include government taxes or assessment surcharges and are subject to change. GreatCall is not a healthcare provider and does not provide healthcare services. Seek the advice of your physician if you have questions about medical treatment. GreatCall,® GreatCall GoPlanTM

300 savings calculation based on market 35.

Built-in 5-megapixel camera

100% U.S. -based customer service

per month, GreatCall provides 300 per year,

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