Re: Money saved
There are several questions that seem to have been jumbled together.
When you first beging to get your finances under control, the savings don't usually end up in your bank account. They go to other things that you were previously putting on credit cards. So even though you aren't seeing savings in an account, these little savings go to make sure you aren't increasing your debt.
Once you get spending down to below your income, your "savings" will go to pay off previous debts and still won't be seen in a bank account.
Once all your debts are paid off, you'll see the amounts you saved show up in your saving accounts.
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