>> WELCOME BACK TO CHEDDAR'S
NEWS. WRAP TODAY IS NATIONAL
SAVINGS DAY WHICH RECOGNIZES
THE IMPORTANCE OF SAVING MONEY
AND IS BILLED AS A DAY FOR
PEACE WELL TO REFLECT ON THEIR
SPENDING HABITS, SAVING IS MORE
IMPORTANT NOW THAN EVER
BEFORE AS AMERICA IS IN THE
MIDST OF A
FINANCIAL CRISIS. 13 MILLION
PEOPLE ARE CURRENTLY UNEMPLOYED
WITH EVENTS LIKE AMAZON PRIME
DAY COMING UP LATER THIS WEEK.
STILL PARTICIPATE IN DEALS WITH
A STRETCH WOLLETT WELL TO
MELISSA FRONT DIGITAL FEDERAL
CREDIT UNION PARTNER AND
BUDGETING EXPERT. IT'S HERE TO
OFFER US SOME TIPS WELCOME TO
THE SHOW FIRST I WANT TO SAY
HOW MUCH I LOVE YOUR NAME I
LOVE SAYING IT'S JUST SUCH
A BEAUTIFUL. WHAT IS OF COURSE
WHAT ARE SOME OF THE TIPS YOU
CAN GIVE US ON SAVING WHEN
FINANCES ARE LOW.
>> SURE THIS IS A GREAT TOPIC
RIGHT NOW FOR ALL OF US TAKE
ADVANTAGE OF SO WHILE INTEREST
RATES ARE OUR LOW RIGHT NOW
THIS LOW INTEREST RATE
ENVIRONMENT LOOK AT REFINANCING
YOUR HIGHEST INTEREST
RATE DEBT. SO YOUR CREDIT CARD
TO YOUR CAR LOAN LOOK INTO
THINGS LIKE DC USE THE DCU
OFFERS COMPARE TO REFINE EASING
RATES ARE NOT JUST NEW VEHICLES
BUT
USED VEHICLES, YOU CAN EVEN GET
ADDITIONAL RATES THAT LOWER
YOUR CAR PAYMENT AND YOU COULD
PUT THAT SAVINGS TOWARDS PAYING
OFF DEBT
AND SAVING.
>> YOU SAY EARN MORE MONEY WITH
THE MONEY YOU ALREADY WE HAVE
WHAT IS THE FIRST STEP TO
DOING THAT.
>> YEAH, I LOVE THIS IS A
SURPRISE THAT YOU REALLY DON'T
HAVE ANY EXTRA JUST USING THEM
AND YOU
CURRENTLY HAVE IN NEW COUNTER
STAKEOUT AND LOOKING FOR BETTER
RATES SO A LOT OF ONLINE BANKS
AND CREDIT UNIONS ARE OFFERING
YOU MORE INCENTIVES TO MAKE
YOUR MONEY OR KEEP YOUR MONEY
SO LOOK INTO THINGS THAT CAN
ANYONE MONEY THROUGH THEIR
CHECKING ACCOUNT FEATURES FOR
STAVING ACCOUNT BEACHES WHERE
YOU CAN WE'RE IN BETTER
INTEREST RATES THROUGH THEIR
OFFERS.
>> THERE ARE A LOT OF
OPPORTUNITIES TO SPEND MONEY
THIS WEEK, WE KNOW
AMAZON COM I'M DAYS COMING UP
WAL-MART AND TARGET THEY'RE
BOTH COMPETING WITH THAT HOW DO
YOU GO ABOUT SHOPPING ON THESE
DAYS WHERE YOU SEE SO MANY
DEALS ALL'S WELL KEEPING YOUR
FINANCES IN CHECK.
>> THIS IS A GREAT QUESTION
BECAUSE I'M LIKE ANY SEASON
WE'VE EVER HAD BEFORE THIS IS
REALLY UNIQUE AND THE GOOD
THING ABOUT THIS IS THAT A LOT
OF THE RETAILERS ARE FIGHTING
FOR YOUR DOLLARS RIGHT NOW.
SO AS WE KNOW AMAZON PRIME IS
COMING UP WITH SOME NEW
BASICALLY IN A LESS
THAN 24 HOURS WHERE THEY PUSHED
BACK AMAZON PRIME DAY AND
WHAT'S HAPPENING NOW IS THAT
OTHER RETAILERS EVEN YOUR
TARGET AND WANT THEIR COMPETING
ALSO ON THE SAME DAY FOR YOU SO
YOU REALLY CAN LOOK
AROUND FOR THE BEST DEALS YOU
ARE REALLY IN THE CONTROLS THE
RIGHT NOW SO IT'S BEST TO LOOK
FOR DEALS THAT YOU WOULD NOT
OTHERWISE GET AROUND THIS TIME
SO LOOKING AT SMALL ITEMS AND
ELECTRONICS ARE GOING TO BE
YOUR BEST DEAL RIGHT NOW.
>> I HAVE MY EYE ON SOMETHING I
WILL LET YOU KNOW JAMILA FORGET
IT OR NOT SO WE KNOW BLACK
FRIDAY IS KEY COMING UP ON
NOVEMBER 27TH THIS YEAR
SHOULD PEOPLE SKIP ALL THE
DEALS THEY MIGHT BE SEEING THIS
WEEKEND WAIT FOR BLACK FRIDAY
AT THE END
OF NOVEMBER.
>> NO I WOULD NOT WAIT JUST
UNTIL BLACK FRIDAY TO SHOP
EVERYONE WANTS HIM
TO BUY EARLIER IT SPECIALLY
BECAUSE A LOT OF LOGISTICS AND
SHIPPING WILL BECOME AN ISSUE
WITH EVERY ONE SHOPPING ONLINE
NOW IS A REALLY THE RETAILERS
WANT YOU TO SHOP EARLIER SO
THINGS ARE BEING PUSHED UP
FURTHER SO IF YOU CAN FIND
SOMETHING THAT YOU LIKE INTO
GREAT DEAL DON'T WAIT UNTIL
BLACK FRIDAY
RIGHT NOW.
>> WHAT KIND OF ITEMS IN YOUR
OPINION ARE THE MOST ECONOMICAL
TO BUY OR INVEST IN DURING
THESE TIMES DOUBLE A.
>> SO I THINK THAT'S GOING TO
GET YOU THE BEST VALUE PER USE
SO THINGS LIKE ELECTRONICS ARE
GREAT TO BUY NOW
WEAR THEM. IT'S A TV OR
SOMETHING STREAMING DEVICE OR
EVEN A GAMING SYSTEM, BUT
SOMETHING THAT.
>> YOU'RE GOING TO USE MORE
THAN ONCE AND OF COURSE
ANYTHING FOR YOUR HOME WE'RE
ALL STAYING HOME OR NOWADAYS
AND SO ANYTHING TO MAKE
YOUR HOME.
>> WE'RE COMFORTABLE AND
ENJOYABLE IS GOING TO BE YOUR
BEST INVESTMENT.
>> THERE'S SO MANY AMERICANS
RIGHT NOW TRYING TO CUT DOWN
ON THEIRS SPENDING WHAT OVERALL
ADVICE TO HAVE AS WE ENTER THE
HOLIDAY SEASON, NOT JUST THIS
WEEK.
>> ANOTHER GREAT QUESTION SO
IT'S REALLY IMPORTANT NOW THAT
YOU ARE REALLY STICKING TO A
BUDGET IF YOU HAVE ONE IF YOU
DON'T NOW'S THE PERFECT TIME TO
REALLY SET SOME LIMITS ON HOW
MUCH YOU WANT
TO SPEND RIGHT NOW A LOT OF US
ARE STUCK AT HOME. WE'RE NOT
GOING OUT AS MUCH SO IT IS A
UNIT UNIQUE OPPORTUNITY
TO STATE IT'S A THINKING MORE
ABOUT HOW WE SPEND AND TO SPEND
MORE TIME WITH THE PEOPLE THAT
WE LOVE SO REALLY IT'S
ABOUT NOT BEING TO JOHN IS THE
DEALS. THEY'RE GREAT IF YOU
HAVE BUDGETED FOR AIDING YOU
CAN AFFORD IT. BUT DON'T
OVER US AND THEN BY THINGS THAT
YOU DON'T NEED JUST BECAUSE
STILL BE THOUGHTFUL ABOUT THE
WAY WE SPEND RIGHT NOW B