[byusteeler]

I have $200 of every check go to savings at my employee credit union( currently pays 3.5% interest ). Limited branches and the fact that there is not one where I live or conveniently located to my work makes it more difficult to get money out. I also put $25 a month in my ING account automatically and then I put what I can in my local credit union savings account (usually extra money that comes along for some unforseen reason) I also have a 401K that is auto deposit from my paycheck. Any extra money after paying bills I use to reduce debt because I feel once you have a comfotable emergency fund it is better to get out of debt that is at 7.9% interest than to save at 3.5% interest.