You will earn more interest in a cd than a saving account. Ask you bank if they have a 1 year CD. Its a cheap way to start, and it gives you experience with cd's. When the year is up , you can convert, or cash out and do something REAL NICE for yourself as a reward!
You can also have the satisfaction of telling EVERYONE that has been nosing around in your finances that YOU have a CD with YOUR bank. God! I am so glad you got your own accounts, rather than putting the money in someone elses account as was suggested to you! Good luck!



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