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Digit uses state-of-the-art security measures and the funds held for you in your Digit savings account are insured up to $250,000 just like traditional institutions covered by the FDIC. Digit believes so strongly in their ability to analyze your spending behavior and save small amounts of money (My first Digit transfer was only $8.02), they have a NO OVERDRAFT GUARANTEE. Whatever you need your money for and whenever you need it, it’s as easy as sending a text message to have the funds delivered back to your checking account within one business day. I couldn’t be a good example to you on Earning More Money if I didn’t find small ways to monetize work that’s helping thousands of women and families for 100% FREE.

Mark the year on each folder’s tab, and put into it all of that year’s important tax documents, like W-2 forms or 1099s. Separate folders for each of your insurance policies, this includes car insurance, health insurance, disability insurance, and the like. I also add a folder for #miniMoneyMaven’s child care to keep track of those expenses for tax purposes, as well as a folder with immunization records and other health-related documents needed for school. I couldn’t be a good example to you on Earning More Money if I didn’t find small ways to monetize work that’s helping thousands of women and families for 100% FREE.

If you opt for paperless or e-billing and receive your statements in your e-mail box, you can simply save each statement as a PDF. If you opt for paperless or e-billing and receive your statements in your e-mail box, you can simply save each statement as a PDF. In some instances, the absence of a regular W-2 and paycheck stubs means you’ll need to prove your income by using bank statements. If you think you’re due a larger refund, you have three years to file an amended return, and the IRS has three years to audit you, if they think you made a mistake.

As you get ready for 2016, here’s how I want you to create your financial goals: Be specific. So, Instead of saying I want to save more, make your goal to save $1000 by March 31, 2016. So, now your goal to save $1000 becomes, saving $333 per month or even $85 per week. After you’ve got your big goals all worked out and even have action steps to keep you moving along, don’t make it OK to not hit your goal.