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Show me someone who’s not interested in saving money and I’ll show you an Irish man that doesn’t enjoy a cold beer. Money matters, bottom line! As we all know, the economy is not always our friend, but we also know the saying, “Keep your friends close and your enemies closer.” This New Year, Miller’s dares you to commit to a money saving challenge, but this isn’t your typical “Pinterest jar” piggy bank. What sets our challenge apart from the rest? Take a look for yourself.

Most money saving challenges start in January and end in December. They encourage you to increase the amount of money you sock away each week, guaranteeing upwards of $1,300 at the end of the year. What’s the problem with this? Well if it’s tough for you to put away a few bucks at the beginning of the challenge, how hard is it going to be for you to throw in a minimum of $50 a week by the time December rolls around? With the holiday gifts you have to buy and food you have to prepare, this is when you need that fifty bucks the most!

Miller’s advises you to put away a decreasing amount of money each week, for 52 weeks. Start by putting in $52 your first week, and decreasing it by a dollar each week. Come December you’ll sock away a single dollar, and have $1,378 in your piggy bank. Speaking of piggy bank, that moves us onto our next difference.

These challenges recommend putting your money in a clear jar in plain sight, somewhere such as your kitchen. The problem with this is that it’s much more tempting to pull from your collection when you can easily see Washington, Lincoln, and Jackson hanging out without you! Try putting your money container you cannot see through.

Regardless of what you stash your cash in, it’s a good idea to keep it out of plain sight. Keep it in your closet, under your bathroom sink, wherever! The point is, you’ll be less likely to “steal” from yourself if it’s not visible as a constant reminder.

Now December rolls around and you’re wondering what to do with that extra money you’ve saved up. While some new clothes, surround sound speakers, or a new tablet sounds nice- you didn’t save up this money only to blow it on something with mediocre value.

Invest in something with substantial importance. Life Insurance is an incredibly wise investment at any age, and it’s discouraging how many people put this vital protection off until it’s too late. Think about it: at the end of the day are you going to feel accomplished because you invested in your life, or a new set of golf clubs? Miller’s encourages you to be wise with your decisions, especially financial ones.

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