By paying attention to your bank accounts you can easily save more of your hard earned income and make your savings work harder for you. First, remember banks are in the business to provide three basic services;
to facilitate financial transactions,
to provide a place to store funds for future use, and
to lend you money when you do not have it.
These same services can be provided without a bank if need be, most of us simply do not think of the alternatives. Some of the common alternatives are credit unions, suppliers, loans from a seller or loans from family or friends.
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