Hi Everyone,

Many years ago, I built a meadow in our front yard.  It has gone through many iterations through the years.  But there’s always been one constant, wild petunias.  They were one of the plants I originally planted in the meadow and now, years later, they have spread throughout the meadow.  This morning the first one bloomed.  This is a picture of it.

Wild petunias spread pretty easily because they shoot their seeds.  That’s why they are all over the meadow now.  Wild petunias are so much personal finance and they remind me of interest.  If you have a bunch of debt then just like the wild petunias that debt is covering you with interest charges.  On the flip side, if you have a savings program then just like wild petunias your savings has grown and is giving you good interest on that savings.  Where are you on this spectrum?  Are your growing debt or growing savings in your financial meadow?  If your answer is debt then it’s time to get with the program.  Start keeping track of your debt every month and start paying it down.  If you need help with a debt reduction program call us.  We’ll be happy to help you out.  If you have a savings program going good for you. Be sure it includes taking full advantage of any tax advantaged savings programs your employer might have.  If you need to start a savings program call us.  We have the best certificate rates in the country.  And even though the rates are really low right now it’s not about the rate.  It’s about whether you’re saving and doing it consistently month after month.

Every year I’m happy to see the wild petunias in the meadow.  Start saving now and you’ll be happy every year with your progress.