Photo Credit: FleurP

ING Direct has started a new campaign called We, The Savers. Follow the link to see the whole page of financial declarations. I know that it’s an adertisment, but I loved the positive spin they put on savings. I wanted to share some of my favorite ‘declarations’.

We will spend less than we earn. Saving a little out of every dollar we bring home is the foundation of independence. Without it, we can’t build equity in our home, we can’t invest for the future, and we can’t be ready for challenging times. We promise to pay ourselves first, always.

If there is a golden rule for saving and building wealth, this is it. You will lose money if you can not keep your spending below your income.

We will take care of our money. It’s not enough to have money in a bank. We will put it where it will grow. We’ll keep track of it. And we’ll check every account we have every year to protect ourselves against fraud or escheatment.

We will remember what matters. We are not the things we own. If we have to spend and spend on bigger, more impressive things to keep up with our friends, then they are not our friends at all.

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• What Happens to the Money We Don't Spend? Ever had one of those moments when you are in a store poised to make a spontaneous purchase, but stayed strong, put the item back on the shelf and pocketed the savings? I recently had this same experience and wondered how I could better track that "saved" money. For the......