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I'm on a budget now and I've managed to get myself to where I'm putting about 6% into my 401k. After paying bills and giving myself an allowance for everyday things that come up, I'll have about $50 left a month. Knock on wood. I'd like to save or do something proactive with it and have it gain a little value. I'm not looking to hit the lottery and become a billionare, I just want to become a couple of hundredaire. I kind of want to not put it in my 401k, as I'd like to do something that has a little liquidity.
Depends on your goals... If you're paying more than 5% (or so) interest on anything (except a mortgage or other appreciable asset), put that $50 toward paying off those debts. An extra $50/mo. applied to your car loan (for example) can allow you to pay off a 60 month note about a year earlier and save you several hundred dollars in interest...then you have that $50 plus your current loan payment to use for savings in the future. Paying off debt is the best long-term wealth-building strategy but it isn't liquid. I agree with the others that suggested you need an emergency fund...either a money market mutual fund or a stock mutual fund would generally offer higher returns than a regular savings account and are nearly as liquid as a savings account (can't generally access money instantly but they can usually process a sell order by the next business day...and if you open the account at the same place you bank, the funds would actually be available the same day in your checking/savings account). A bank I used several years ago offered CDs that allowed you to contribute money once a month...again, higher interest than a regular savings account. The problem is that if you withdraw funds before the term of the CD is up (generally six months or longer though I have seen one that was a 3-month CD), you lose the interest you earned. You might ask your current bank what they have available that offers the highest yield.
As a financial advisor, I tell clients to put into your 401k up to the amount the company will match, if they do. With the other $50 a month I would go into a mutual fund. There are many fine companies available. Use an independent representative. They cost less as a rule than larger institutions. You can even have th $50 per month taken directly out of your bank account and into your own fund. Good luck.
It's a good idea to have an emergency fund, at least enough to cover 3 months of living expenses in a money market savings account. Once you reach that amount, pursue some of the other suggestions given.
Open a savings account and put the money in there. This will become your emergency fund. If something should happen, such as a layoff, this money will serve as a cushion.
I got a savings account with www.hsbcdirect.com and put my extra money in there. They have a higher interest rate than regular walk in banks. It's an online only bank.
Do you have 3-6 months of your expenses saved yet? If you don't start working on that.
If you want this money to remain liquid I would suggest www.ingdirect.com which offers about the most competitive bank rates out there. And no minimum deposit.
LOOK AND LISTEM -- I AM PROUD OF YOU BUT YOU SOUND LIKE YOU DO NOT HAVE A RAINY DAY FUND -- USE THE $50 TO START ONE AND PUT IT pennsylvania UNTIL YOU HAVE AT LEAST 3 MONTHS BUILT UP!!!
Invest it in Snizz.com the turn around isn't great but I will be loving it LOL
Go to www.sharebuilder.com invest it.