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 <title>FabSugar</title>
 <link>http://www.fabsugar.com</link>
 <description></description>
 <language>en</language>
 <atom:link href="http://www.fabsugar.com/tag/reader-survey/rss" rel="self" type="application/rss+xml" />
 <copyright>Copyright 1976-2012 Sugar Inc.  All rights reserved.</copyright>
 <image> <url>http://media2.onsugar.com/v827/static/imgs/feeds/logos/fabsugar.jpg</url>
 <title>FabSugar</title>
 <link>http://www.fabsugar.com</link>
</image>
<item>
 <title>Help Me, Help You! Take the FabSugar Survey</title>
 <link>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-804554</link>
 <description>&lt;a href=&quot;http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-804554&quot;&gt;&lt;img  width=122 height=160  src=&#039;http://media2.onsugar.com/files/users/0/3987/43_2007/896401180_ac18eafee3_o.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;&lt;span class=&quot;inline left&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Hey Fab fans! We figured it was time to get your take on things, since you listen to me day in and day out. It would be awesome if you all could take the FabSugar reader survey so we can serve you better. This would really help us tailor the sites to your interests and needs. Please take two minutes to &lt;a href=&quot;http://www.surveyconsole.com/console/TakeSurvey?id=400335&quot; target=&quot;_blank&quot;&gt;fill out my FabSugar reader survey&lt;/a&gt;. I promise it&#039;s quick and fun. Thanks in advance for your help!&lt;/p&gt;
&lt;p&gt;It would be super Fab if you could fill these out for all of the sister Sugar sites you read. Thanks! xo&lt;/p&gt;
&lt;p&gt;&lt;br class=clear-both /&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://community.livejournal.com/foto_decadent/1562126.html#cutid1&quot; target=&quot;_blank&quot;&gt;Source&lt;/a&gt;&lt;/p&gt;
</description>
 <comments>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-804554#comment</comments>
 <category domain="http://www.fabsugar.com/tag/reader survey">reader survey</category>
 <pubDate>Wed, 14 Nov 2007 02:00:22 PST</pubDate>
 <dc:creator>FabSugar</dc:creator>
 <guid>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-804554</guid>
</item>
<item>
 <title>Help Me, Help You! Take the FabSugar Survey</title>
 <link>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-766003</link>
 <description>&lt;a href=&quot;http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-766003&quot;&gt;&lt;img  width=122 height=160  src=&#039;http://media2.onsugar.com/files/users/0/3987/43_2007/896401180_ac18eafee3_o.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;&lt;span class=&quot;inline left&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Hey Fab fans! We figured it was time to get your take on things, since you listen to me day in and day out. It would be awesome if you all could take the FabSugar reader survey so we can serve you better. This would really help us tailor the sites to your interests and needs. Please take two minutes to &lt;a href=&quot;http://www.surveyconsole.com/console/TakeSurvey?id=400335&quot; target=&quot;_blank&quot;&gt;fill out my FabSugar reader survey&lt;/a&gt;. I promise it&#039;s quick and fun. Thanks in advance for your help!&lt;/p&gt;
&lt;p&gt;It would be super Fab if you could fill these out for all of the sister Sugar sites you read. Thanks! xo&lt;/p&gt;
&lt;p&gt;&lt;br class=clear-both /&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://community.livejournal.com/foto_decadent/1562126.html#cutid1&quot; target=&quot;_blank&quot;&gt;Source&lt;/a&gt;&lt;/p&gt;
</description>
 <comments>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-766003#comment</comments>
 <category domain="http://www.fabsugar.com/tag/Mod">Mod</category>
 <category domain="http://www.fabsugar.com/tag/reader survey">reader survey</category>
 <pubDate>Tue, 06 Nov 2007 15:00:22 PST</pubDate>
 <dc:creator>FabSugar</dc:creator>
 <guid>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-766003</guid>
</item>
<item>
 <title>Help Me, Help You! Take the FabSugar Survey</title>
 <link>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-756090</link>
 <description>&lt;a href=&quot;http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-756090&quot;&gt;&lt;img  width=122 height=160  src=&#039;http://media2.onsugar.com/files/users/0/3987/43_2007/896401180_ac18eafee3_o.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;&lt;span class=&quot;inline left&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Hey Fab fans! We figured it was time to get your take on things, since you listen to me day in and day out. It would be awesome if you all could take the FabSugar reader survey so we can serve you better. This would really help us tailor the sites to your interests and needs. Please take two minutes to &lt;a href=&quot;http://www.surveyconsole.com/console/TakeSurvey?id=400335&quot; target=&quot;_blank&quot;&gt;fill out my FabSugar reader survey&lt;/a&gt;. I promise it&#039;s quick and fun. Thanks in advance for your help!&lt;/p&gt;
&lt;p&gt;It would be super Fab if you could fill these out for all of the sister Sugar sites you read. Thanks! xo&lt;/p&gt;
&lt;p&gt;&lt;br class=clear-both /&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://community.livejournal.com/foto_decadent/1562126.html#cutid1&quot; target=&quot;_blank&quot;&gt;Source&lt;/a&gt;&lt;/p&gt;
</description>
 <comments>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-756090#comment</comments>
 <category domain="http://www.fabsugar.com/tag/reader survey">reader survey</category>
 <pubDate>Sun, 04 Nov 2007 13:00:22 PST</pubDate>
 <dc:creator>FabSugar</dc:creator>
 <guid>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-756090</guid>
</item>
<item>
 <title>Help Me, Help You! Take the FabSugar Survey</title>
 <link>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-755792</link>
 <description>&lt;a href=&quot;http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-755792&quot;&gt;&lt;img  width=122 height=160  src=&#039;http://media2.onsugar.com/files/users/0/3987/43_2007/896401180_ac18eafee3_o.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;&lt;span class=&quot;inline left&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Hey Fab fans! We figured it was time to get your take on things, since you listen to me day in and day out. It would be awesome if you all could take the FabSugar reader survey so we can serve you better. This would really help us tailor the sites to your interests and needs. Please take two minutes to &lt;a href=&quot;http://www.surveyconsole.com/console/TakeSurvey?id=400335&quot; target=&quot;_blank&quot;&gt;fill out my FabSugar reader survey&lt;/a&gt;. I promise it&#039;s quick and fun. Thanks in advance for your help!&lt;/p&gt;
&lt;p&gt;It would be super Fab if you could fill these out for all of the sister Sugar sites you read. Thanks! xo&lt;/p&gt;
&lt;p&gt;&lt;br class=clear-both /&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://community.livejournal.com/foto_decadent/1562126.html#cutid1&quot; target=&quot;_blank&quot;&gt;Source&lt;/a&gt;&lt;/p&gt;
</description>
 <comments>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-755792#comment</comments>
 <category domain="http://www.fabsugar.com/tag/Mod">Mod</category>
 <category domain="http://www.fabsugar.com/tag/reader survey">reader survey</category>
 <pubDate>Fri, 02 Nov 2007 15:30:22 PDT</pubDate>
 <dc:creator>FabSugar</dc:creator>
 <guid>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-755792</guid>
</item>
<item>
 <title>Help Me, Help You! Take the FabSugar Survey</title>
 <link>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-750895</link>
 <description>&lt;a href=&quot;http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-750895&quot;&gt;&lt;img  width=122 height=160  src=&#039;http://media2.onsugar.com/files/users/0/3987/43_2007/896401180_ac18eafee3_o.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;&lt;span class=&quot;inline left&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Hey Fab fans! We figured it was time to get your take on things, since you listen to me day in and day out. It would be awesome if you all could take the FabSugar reader survey so we can serve you better. This would really help us tailor the sites to your interests and needs. Please take two minutes to &lt;a href=&quot;http://www.surveyconsole.com/console/TakeSurvey?id=400335&quot; target=&quot;_blank&quot;&gt;fill out my FabSugar reader survey&lt;/a&gt;. I promise it&#039;s quick and fun. Thanks in advance for your help!&lt;/p&gt;
&lt;p&gt;It would be super Fab if you could fill these out for all of the sister Sugar sites you read. Thanks! xo&lt;/p&gt;
&lt;p&gt;&lt;br class=clear-both /&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://community.livejournal.com/foto_decadent/1562126.html#cutid1&quot; target=&quot;_blank&quot;&gt;Source&lt;/a&gt;&lt;/p&gt;
</description>
 <comments>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-750895#comment</comments>
 <category domain="http://www.fabsugar.com/tag/Mod">Mod</category>
 <category domain="http://www.fabsugar.com/tag/reader survey">reader survey</category>
 <pubDate>Wed, 31 Oct 2007 15:30:22 PDT</pubDate>
 <dc:creator>FabSugar</dc:creator>
 <guid>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-750895</guid>
</item>
<item>
 <title>Help Me, Help You! Take the FabSugar Survey</title>
 <link>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-733589</link>
 <description>&lt;a href=&quot;http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-733589&quot;&gt;&lt;img  width=122 height=160  src=&#039;http://media2.onsugar.com/files/users/0/3987/43_2007/896401180_ac18eafee3_o.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;&lt;span class=&quot;inline left&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Hey Fab fans! We figured it was time to get your take on things, since you listen to me day in and day out. It would be awesome if you all could take the FabSugar reader survey so we can serve you better. This would really help us tailor the sites to your interests and needs. Please take two minutes to &lt;a href=&quot;http://www.surveyconsole.com/console/TakeSurvey?id=400335&quot; target=&quot;_blank&quot;&gt;fill out my FabSugar reader survey&lt;/a&gt;. I promise it&#039;s quick and fun. Thanks in advance for your help!&lt;/p&gt;
&lt;p&gt;It would be super Fab if you could fill these out for all of the sister Sugar sites you read. Thanks! xo&lt;/p&gt;
&lt;p&gt;&lt;br class=clear-both /&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://community.livejournal.com/foto_decadent/1562126.html#cutid1&quot; target=&quot;_blank&quot;&gt;Source&lt;/a&gt;&lt;/p&gt;
</description>
 <comments>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-733589#comment</comments>
 <category domain="http://www.fabsugar.com/tag/Mod">Mod</category>
 <category domain="http://www.fabsugar.com/tag/reader survey">reader survey</category>
 <pubDate>Thu, 25 Oct 2007 02:00:22 PDT</pubDate>
 <dc:creator>FabSugar</dc:creator>
 <guid>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-733589</guid>
</item>
<item>
 <title>Help Me, Help You! Take the FabSugar Survey</title>
 <link>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-725794</link>
 <description>&lt;a href=&quot;http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-725794&quot;&gt;&lt;img  width=122 height=160  src=&#039;http://media2.onsugar.com/files/users/0/3987/43_2007/896401180_ac18eafee3_o.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;&lt;span class=&quot;inline left&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p&gt;Hey Fab fans! We figured it was time to get your take on things, since you listen to me day in and day out. It would be awesome if you all could take the FabSugar reader survey so we can serve you better. This would really help us tailor the sites to your interests and needs. Please take two minutes to &lt;a href=&quot;http://www.surveyconsole.com/console/TakeSurvey?id=400335&quot; target=&quot;_blank&quot;&gt;fill out my FabSugar reader survey&lt;/a&gt;. I promise it&#039;s quick and fun. Thanks in advance for your help!&lt;/p&gt;
&lt;p&gt;It would be super Fab if you could fill these out for all of the sister Sugar sites you read. Thanks! xo&lt;/p&gt;
&lt;p&gt;&lt;br class=clear-both /&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://community.livejournal.com/foto_decadent/1562126.html#cutid1&quot; target=&quot;_blank&quot;&gt;Source&lt;/a&gt;&lt;/p&gt;
</description>
 <comments>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-725794#comment</comments>
 <category domain="http://www.fabsugar.com/tag/Mod">Mod</category>
 <category domain="http://www.fabsugar.com/tag/reader survey">reader survey</category>
 <pubDate>Tue, 23 Oct 2007 02:00:22 PDT</pubDate>
 <dc:creator>FabSugar</dc:creator>
 <guid>http://www.fabsugar.com/Help-Me-Help-You-Take-FabSugar-Survey-725794</guid>
</item>
<item>
 <title>Tell Us &quot;What Is Your Love End Game?&quot; and Enter to Win the Ultimate Valentine&#039;s Date Package!</title>
 <link>http://www.tressugar.com/Marriage-Survey-21648866</link>
 <description>&lt;a href=&quot;http://www.tressugar.com/Marriage-Survey-21648866&quot;&gt;&lt;img  width=160 height=160  src=&#039;http://media2.onsugar.com/files/2012/02/06/2/301/3019466/4beb6d3e9975f78b_valentine350x350.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;With Valentine&#039;s Day on the horizon, love is in the air. But while February 14 always conjures up images of roses and chocolate, new research suggests that modern relationships are less traditional. &lt;a href=&quot;http://pewresearch.org/pubs/2147/marriage-newly-weds-record-low&quot; target=&quot;_blank&quot;&gt;Fewer Americans are getting married&lt;/a&gt; and those who do are waiting longer. For Valentine&#039;s Day, we partnered with &lt;a href=&quot;http://www.askmen.com/&quot; target=&quot;_blank&quot;&gt;AskMen.com&lt;/a&gt; and want to ask our readers if and how their ideas of love and goals for their relationships are changing. And we want to see if the attitudes of men and women about their &quot;love end game&quot; are evolving in the same or different ways. So whether your a man or woman, single or taken, fill out our short survey about love and marriage. You&#039;ll be entered to win the ultimate Valentine&#039;s date package from &lt;a href=&quot;http://www.limos.com/bemine&quot; target=&quot;_blank&quot;&gt;Limos.com&lt;/a&gt; complete with luxury car service, dinner for two, and flowers! Click here for &lt;a href=&quot;http://www.tressugar.com/21652165&quot; target=&quot;_blank&quot;&gt;official rules&lt;/a&gt;.&lt;/p&gt;
&lt;a href=&quot;/Marriage-Survey-21648866#read-more&quot; title=&quot;Read more.&quot; class=&quot;read-more&quot;&gt;&lt;b&gt;Take Our Survey Now!&lt;/b&gt;&lt;/a&gt;</description>
 <comments>http://www.tressugar.com/Marriage-Survey-21648866#comment</comments>
 <category domain="http://www.tressugar.com/tag/Marriage">Marriage</category>
 <category domain="http://www.tressugar.com/tag/relationships">relationships</category>
 <category domain="http://www.tressugar.com/tag/TresSugar Giveaway">TresSugar Giveaway</category>
 <pubDate>Thu, 09 Feb 2012 14:44:37 PST</pubDate>
 <dc:creator>TresSugar</dc:creator>
 <guid>http://www.tressugar.com/Marriage-Survey-21648866</guid>
</item>
<item>
 <title>Which Would You Rather Give Up For a Month - Sex or Exercise?</title>
 <link>http://www.fitsugar.com/Sex-Exercise-Which-Better-21677753</link>
 <description>&lt;a href=&quot;http://www.fitsugar.com/Sex-Exercise-Which-Better-21677753&quot;&gt;&lt;img  width=160 height=160  src=&#039;http://media4.onsugar.com/files/2012/02/06/3/192/1922729/a2e8a47333d2aa20_113874772.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;The annual &lt;a href=&quot;http://www.bicycling.com/sites/default/files/uploads/bicycling-readers-choice-12.pdf&quot; onclick=&quot;trackOutboundLink(&#039;###CATEGORY###&#039;, &#039;www.bicycling.com/sites/default/files/uploads/bicycling-readers-choice-12.pdf&#039;, &#039;###LABEL###&#039;)&quot; target=&quot;_blank&quot;&gt;Bicycling Readers&#039; Choice survey&lt;/a&gt; is out, and after reading through it, one statistic stood out to me: 58 percent of female respondents would choose cycling over sex, if they had to give up one or the other for a month. Men were split down the middle, with 50 percent responding that they would choose cycling over sex. &lt;/p&gt;
&lt;p&gt;I admit, I am pretty shocked at this statistic - &lt;b&gt;Bicycling&lt;/b&gt;&#039;s readership are a passionate group of cyclists! It made me wonder, if forced to choose, how many fitness devotees would do the same if they had to pick between exercise or sex for a month. When you think about it, a good amount of the benefits from each activity are identical: stress relief, improved heart health, and better sleep, to name a few.&lt;/p&gt;
&lt;!-- no strip poll --&gt;&lt;form action=&quot;http://www.fitsugar.com/Sex-Exercise-Which-Better-21677753&quot;  method=&quot;post&quot; id=&quot;poll_view_voting_21677753&quot; onsubmit=&quot;ajaxSubmit(this, false); return false;&quot;&gt;
&lt;div&gt;&lt;div class=&quot;poll&quot;&gt;  &lt;div class=&quot;vote-form&quot;&gt;    &lt;div class=&quot;choices&quot;&gt;&lt;div class=&quot;form-item&quot;&gt;
 &lt;label&gt;&lt;div id=&#039;poll-title&#039;&gt;Which Would You Rather Give Up For a Month - Sex or Exercise?&lt;/div&gt;&lt;/label&gt;
 &lt;div class=&quot;form-item&quot;&gt;
 &lt;label for=&quot;id-0-21677753&quot; class=&quot;option&quot;&gt;&lt;input type=&quot;radio&quot; id=&quot;id-0-21677753&quot; name=&quot;edit[choice]&quot; value=&quot;0-21677753&quot;   class=&quot;form-radio&quot; /&gt; Sex&lt;/label&gt;
&lt;/div&gt;
&lt;div class=&quot;form-item&quot;&gt;
 &lt;label for=&quot;id-1-21677753&quot; class=&quot;option&quot;&gt;&lt;input type=&quot;radio&quot; id=&quot;id-1-21677753&quot; name=&quot;edit[choice]&quot; value=&quot;1-21677753&quot;   class=&quot;form-radio&quot; /&gt; Exercise&lt;/label&gt;
&lt;/div&gt;

&lt;/div&gt;
    &lt;/div&gt;&lt;input type=&quot;hidden&quot; name=&quot;edit[nid]&quot; id=&quot;edit-nid&quot; value=&quot;21677753&quot;  /&gt;
&lt;span class=&#039;button&#039;&gt;&lt;span class=&#039;button_copy&#039;&gt;&lt;input class=&#039;fancybutton&#039; type=&#039;submit&#039; name=&quot;op&quot; value=&quot;Vote&quot;  class=&quot;form-submit&quot; /&gt;&lt;/span&gt;&lt;/span&gt;
  &lt;/div&gt;&lt;input type=&quot;hidden&quot; name=&quot;edit[form_token]&quot; id=&quot;edit-form_token&quot; value=&quot;a2529721d3ce27fefba0b352f494a8b2&quot;  /&gt;
&lt;input type=&quot;hidden&quot; name=&quot;edit[form_id]&quot; id=&quot;edit-form_id&quot; value=&quot;poll_view_voting&quot;  /&gt;
&lt;/div&gt;
&lt;/div&gt;&lt;/form&gt;
&lt;!-- no strip poll --&gt;</description>
 <comments>http://www.fitsugar.com/Sex-Exercise-Which-Better-21677753#comment</comments>
 <category domain="http://www.fitsugar.com/tag/Sex">Sex</category>
 <category domain="http://www.fitsugar.com/tag/Fitness">Fitness</category>
 <category domain="http://www.fitsugar.com/tag/relationships">relationships</category>
 <category domain="http://www.fitsugar.com/tag/cycling">cycling</category>
 <category domain="http://www.fitsugar.com/tag/Bicycling Magazine">Bicycling Magazine</category>
 <pubDate>Wed, 08 Feb 2012 10:59:58 PST</pubDate>
 <dc:creator>Michele Foley</dc:creator>
 <guid>http://www.fitsugar.com/Sex-Exercise-Which-Better-21677753</guid>
</item>
<item>
 <title>Fresh Start Resolution: Reassess Your Savings Account</title>
 <link>http://www.savvysugar.com/How-Start-Grow-Savings-21226295</link>
 <description>&lt;a href=&quot;http://www.savvysugar.com/How-Start-Grow-Savings-21226295&quot;&gt;&lt;img  width=160 height=160  src=&#039;http://media1.onsugar.com/files/2012/01/01/0/192/1922441/a60247dc7cc2e13e_1.large.jpg&#039; /&gt;&lt;/a&gt;&lt;p&gt;&lt;i&gt;It&#039;s a new year and a new you! Fresh Start is a short series detailing 12 helpful tips to start off the year right, whether it be to advance your career or increase your financial cushion. We&#039;ve already given you advice on &lt;a href=&quot;http://www.savvysugar.com/Drop-Your-Daily-Deal-Habit-21097350&quot; &gt;kicking your daily deal habit&lt;/a&gt;, &lt;a href=&quot;http://www.savvysugar.com/Best-Way-Quit-Caffeine-21167187&quot; &gt;quitting caffeine&lt;/a&gt;, and &lt;a href=&quot;http://www.savvysugar.com/How-Negotiate-Rates-Lower-Bills-21185483/&quot; &gt;making a call&lt;/a&gt; to lower your bills. Here&#039;s another way to start afresh in 2012.&lt;/i&gt;&lt;/p&gt;
&lt;p&gt;An important to-do on your financial list is to have a savings account. In a &lt;a href=&quot;http://www.savvysugar.com/Biggest-Money-Worries-2011-20949475&quot; &gt;SavvySugar survey&lt;/a&gt;, the majority of readers said their biggest money worry of 2011 was not having any savings. One of the first things you need to do is to establish a savings account where you can start putting your money in. If you don&#039;t have one, it&#039;s time to get one. If you already have one, you might want to reassess the one you currently have. Here are a few tips to help you make the right decision:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Do some research&lt;/b&gt;: First, do some research to see which one will be the right savings vehicle for you. There are plenty of low-risk accounts to put your money in. Some institutions include online banks, community banks, and credit unions. You can also go to &lt;a href=&quot;http://www.savingsaccounts.com/&quot; onclick=&quot;trackOutboundLink(&#039;###CATEGORY###&#039;, &#039;www.savingsaccounts.com/&#039;, &#039;###LABEL###&#039;)&quot; target=&quot;_blank&quot;&gt;savingsaccount.com&lt;/a&gt; to find an account with the best interest rate. For other alternatives, check out these &lt;a href=&quot;http://www.savvysugar.com/High-Interest-Rates-Savings-21097312&quot; &gt;10 low-risk ways&lt;/a&gt; to earn more on your savings. &lt;/li&gt;
&lt;li&gt;&lt;b&gt;Consider a checking account&lt;/b&gt;: Interest rates on savings accounts are pretty low right now and the rates seem to keep dipping. Some checking accounts offer better deals, although there are more stipulations such as the number of times you have to use your debit card. Bankrate did a study of the &lt;a href=&quot;http://www.bankrate.com/finance/checking/2011-high-yield-checking-survey.aspx&quot; onclick=&quot;trackOutboundLink(&#039;###CATEGORY###&#039;, &#039;www.bankrate.com/finance/checking/2011-high-yield-checking-survey.aspx&#039;, &#039;###LABEL###&#039;)&quot; target=&quot;_blank&quot;&gt;best high yield checking accounts&lt;/a&gt; a few months ago and there was one credit union that even offered a 6.7 percent interest rate. However, keep in mind that checking accounts are more liquid and it may be easier to spend the money in those types of accounts.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Before you pick&lt;/b&gt;: Make sure you read the fine print and know the restrictions of your account. For example in the case of savings accounts, there is usually a limit on how much money you can leave in the account and limits on how often you can withdraw or transfer money. Ask yourself these are restrictions you can deal with.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Leaving your bank&lt;/b&gt;: If you decide to leave your bank instead of moving your money around, there are several steps to take. You need to do some prep before you close your account such as opening a new account, making a list of your direct deposits and automatic withdrawals, printing out important records, checking to see if your bank will match your outstanding loans or give you a better deal, canceling your account, and asking the bank for what&#039;s left in your bank in the form of a check or cash. Get some form of confirmation (preferably a letter) that you have closed your account.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Wait it out&lt;/b&gt;: The process will take a while and it may even take up to about a few months for everything to clear, so be patient!&lt;/li&gt;
&lt;/ul&gt;
</description>
 <comments>http://www.savvysugar.com/How-Start-Grow-Savings-21226295#comment</comments>
 <category domain="http://www.savvysugar.com/tag/Money">Money</category>
 <category domain="http://www.savvysugar.com/tag/banking">banking</category>
 <category domain="http://www.savvysugar.com/tag/savings accounts">savings accounts</category>
 <category domain="http://www.savvysugar.com/tag/Fresh Start">Fresh Start</category>
 <category domain="http://www.savvysugar.com/tag/saving money tips">saving money tips</category>
 <pubDate>Mon, 09 Jan 2012 03:05:00 PST</pubDate>
 <dc:creator>Emily Co</dc:creator>
 <guid>http://www.savvysugar.com/How-Start-Grow-Savings-21226295</guid>
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