With the number of banks out there in the market today it can be hard to decide which savings account is best for you. I know several people who are still with their banks original savings account, some of which have interest rates as low as 0.01% If this is you it's time to switch! I've done the hard work for you in this post and am excited to bring you all the current rates available as well as my own interest rate calculator so you can see how much more you'd save by switching.

Have you ever heard the term 'sinking funds' in the Debt Free Community (DFC) and wondered what the hell people are talking about? Read on to find out what they are, how they can be applied to personal finances and how to get your own sinking funds tracking spreadsheet for free.