As I was growing up my parents had taught me to save money. I
opened up a savings account in our local bank. My first job was
delivering Newspapers door to door, every week I put what I had
earned into my account. Then in my Teen years I had gotten a job
in a butcher shop nearby. The money I had earned there, except
for a little spending money I put into my savings account. I got
another job after graduating High School so that I could continue
my Education, but I still found a little money to put aside in my
savings account, after paying for my tuition and books. Then I
got a real job, making a decent living. Since I wasn't married
yet I could put quite a bit of money into my savings and
purchasing savings bonds where I worked. When I needed to
purchase a new car all I had to do was go to my bank and ask for
a personal loan in which I would use my savings account as
collateral. Well you see back then Banks would give you personal
loans and hold onto your passbook.. The best part was I could
still put money into the account making some interest as I was
paying off the loan. The Bank was charging me lets say 5%
interest and I was making say 1 1/2% interest great wasn't it.

Well whenever I needed a new wardrobe or other incidentals I
would use some of my Savings Bonds to pay.







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