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About Jon Dulin

Hi, my name is Jon and I run Penny Thots. I blog about many personal finance topics, but my specialties lie in investing, paying off debt, and achieving your financial goals. You can learn more about me on the Author Page.

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  1. AvatarCrystal says

    January 12, 2013 at 9:37 am

    Good tips, Don, and I agree that most folks should do these two things. That being said, however, I can’t even count how many people I’ve known over the past several decades who use Uncle Sam as an automatic savings account. Considering the abysmal interest rates on regular savings (my bank paid well under $10 on over $15k in 2012), it’s really not a bad way for someone without the self discipline to save money each month to save up for a big purchase each spring.