At BullionSeed.com, find tips to transform your personal financial budget into your financial plan or roadmap. Get a financial budget template for budget planning, money saving ideas and a money making plan to position yourself to build wealth. Learn how to save money easy and build your emergency fund with original save money tips, and other investment and wealth building ideas. 

Access our financial calculators and our debt reduction step-by-step guide below.

A tree has a root that stretches wide and far. A Seed is something planted to reproduce. The goal of ("bullion seed") BullionSeed.com is to assist you in finding the right tools to become your own best financial advisor. Long-term and short-term savings approaches may differ as much as individuals, but basic financial and monetary strategies never change.

BullionSeed.com has resources to help you create a saving money and money making plan to strengthen your financial roots and increase your branches so your financial forest is full and flourishing.

Short-term Save Money Planning

by Deb Atkins

Short term save money planning is often said to be 1-2 years or sometimes you may read 2-5 years. As a result, besides emergency income reduction financial-calculator.bullionseed.com/save.html" target="_blank">savings, short-term financial-calculator.bullionseed.com/save.html" target="_blank">savings are also good places to put cash away towards a new car 3 years down the road or something similar. Of course today many online financial-calculator.bullionseed.com/save.html" target="_blank">savings account give you CD rate returns so make sure you maximize even the emergency fund money. Have your money work for you, even in the short-term plan. Here are over 15 online banks offering over 15 online banks offering 5% or more – many only require a dollar to open an account.


Identify what your basic emergency financial-calculator.bullionseed.com/save.html" target="_blank">savings will encompass - 3 months or 6 months of expenses, or more. Then, consider past your basic emergency money what type of additional cushion you would like another 3 months or more perhaps.


If you choose to begin buying 6, 12, or 24 month CD’s or invest in Higher Yield Investments like futures trading or the FOREX market for example you could begin using a laddering strategy. That means, you can move your ‘excess’ short-term money into a higher yield products as an income producing move. That way, each time a CD or other investment matures, you reinvest it or roll each subsequent investment over, in sequence.


Keep these ideas in mind as you develop your personal financial save money plan. Think, even while preparing for the short-term, how you can also get long-term benefits. This allows you the ability to build wealth while financial-calculator.bullionseed.com/save.html" target="_blank">saving and eventually use someone else’s money (net gain) to add to your short-term major purchase plan or to your long-term financial-calculator.bullionseed.com/save.html" target="_blank">savings goals.