A New Use for an Old Cliché: A Penny Saved is a Penny Earned

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Happy birthday, K9 Apollo! Stay safe!

Happy birthday, K9 Apollo! Stay safe!We said yesterday there was another birthday boi coming up!! Today is K9 Apollo’s 2nd Birthday!!

Not often that you have back-to-back birthdays of such good bois!!!! Everyone wish K9 Apollo the happiest of birthdays!

#k9 #birthdayboi #birthdaycelebration
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1 day ago
Thank you!
#TelecommunicationsWeek!

Thank you!
#telecommunicationsweek!Big shoutout to all the amazing dispatchers keeping us safe and connected on #TelecommunicationsWeek! Your hard work does not go unnoticed 🚨📞💼

Dispatcher Cora Thorp has served this department for over 10 years. Thank you Cora for your dedication.
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Happy, happy birthday, K9 Ace!! Stay safe!Image attachmentImage attachment

Happy, happy birthday, K9 Ace!! Stay safe! ... See MoreSee Less

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National Police Credit Union is honored to welcome the Munster Police Department (Indiana) into our field of membership. We look forward to serving you and your families. ... See MoreSee Less

2 days ago
Thank you, Dispatchers!!!!
#TelecommunicationsWeek

Thank you, Dispatchers!!!!
#telecommunicationsweekWhile they won’t be saying “Aloha” when they answer the phone, they are dressed for island time! Sheriff Crawford is proud to honor our wonderful Communications Unit this week during National Public Safety Telecommunications Week. We surely have the best!

#telecommunicationsweek #celebrate #dispatchers
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3 days ago
Thank you, Dispatchers!!!!
#TelecommunicationsWeek

Thank you, Dispatchers!!!!
#telecommunicationsweekFrom all of us at Parkers Mill Fire to Pulaski County 911 Center and surrounding 911 centers, We appreciate all the hard work keeping all agencies, and the community safe! Wouldn’t be able to do it without you guys! #telecommunicationsweek
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3 days ago
Thank you, Dispatchers!!!!
#TelecommunicationsWeek

Thank you, Dispatchers!!!!
#telecommunicationsweekHappy Telecommunications Week! We here at the Itawamba County Sheriff's Department want to thank all the hardworking dispatchers out there! We want to take a moment to show our utmost respect, appreciation, and admiration for the vital role you play in emergency situations. Your calm voice and quick thinking bring peace in moments of chaos. Thank you for your dedication and selfless service, we couldn't do it without you!
#ThankYouDispatchers #TelecommunicationsWeek #RespectAndAdmiration
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Thank you to all of the Dispatchers who live behind the scenes, but are always front and center!!
#TelecommunicationsWeek

Thank you to all of the Dispatchers who live behind the scenes, but are always front and center!!
#telecommunicationsweekBig shoutout to all the amazing dispatchers keeping us safe and connected on #TelecommunicationsWeek! Your hard work does not go unnoticed 🚨📞💼

Dispatcher Denise Roberts has served this department for over 10 years. Thank you Denise for your dedication.
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3 days ago
Thank you for 40 (!!!!) years of service!! We truly appreciate your many years of dedicated service. All the best and every success in your retirement. Stay safe!

Thank you for 40 (!!!!) years of service!! We truly appreciate your many years of dedicated service. All the best and every success in your retirement. Stay safe!Last night at the board meeting, the Naperville Park District and its commissioners recognized Park Police Officer Arzania "Zook" Williams for his dedication and service to the community over the past decade as a Park Police Officer as he prepares to retire. Congratulations and best wishes for your retirement, Zook!

#ParkItInNaperville
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3 days ago
Thank you for 44 (!!!!) years of service!! We truly appreciate your dedicated service and wish you all the best in your retirement. Stay safe.Image attachmentImage attachment+Image attachment

Thank you for 44 (!!!!) years of service!! We truly appreciate your dedicated service and wish you all the best in your retirement. Stay safe. ... See MoreSee Less

3 days ago
YES!!
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YES!!
#superheroes
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6 days ago
Happy birthday, K9 Luka 💙💙💙💙!!!!
Stay safe!

Happy birthday, K9 Luka 💙💙💙💙!!!!
Stay safe!Ok, 0k..we might’ve overloaded you with doggo cuteness lately, but today is a special occasion - K9 Luka is turning 2!!! 🥳

Happy birthday Luka!! Your endless happiness makes each day brighter but today is all about you. Enjoy your special day! 🎉

And we have another birthday boi celebration lined up for tomorrow….check back to see who it is!!!! 👀

#k9 #birthdayboi #celebrate
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6 days ago
Thank you!! Stay safe!

Thank you!! Stay safe!Give Trooper Skiles and Trooper Toal some gratitude this morning. ... See MoreSee Less

6 days ago
Congratulations and thank you! Stay safe.

Congratulations and thank you! Stay safe.We forgot to post this yesterday.

Today, we celebrated a promotion with Deputy Duggan and his family. He was promoted to the rank of Sergeant and sworn in with the Oath of Office. We expect great things from Sergeant Duggan, and we believe that Sergeants in our office hold the greatest responsibility to their squads, the communities they serve, and this office. Congratulations, Sgt. Duggan!

#Promotion #Sergeant #Congratulations #Leadeship #teamgreen💚
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6 days ago
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Thank you for 34 years of service! Enjoy your retirement and stay safe!

Thank you for 34 years of service! Enjoy your retirement and stay safe!Congratulations to Billy Delgado on his 34 years of dedicated service to the City of Corpus Christi. We hope you enjoy your retirement. ... See MoreSee Less

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A New Use for an Old Cliché: A Penny Saved is a Penny Earned

The first thing we have to do is modernize this cliché.  Maybe a dollar saved is a dollar earned?

The underlying message, however, is still strong and possibly more relevant today than it was when it was first coined.  Get it?

Whatever denomination of currency you would like to use, once it is spent it is gone and unless you have spent your money on a rare work of art or a gold bar, whatever you spent it on is immediately worth less than what you spent.  Money saved, on the other hand, almost always appreciates and is then worth more than when you first saved it.

Common sense?  Maybe, but I will tell you that I am concerned about what appears to be a changing attitude toward the importance of saving.  I review a lot of personal financial situations and very few of them include any savings at all.

Contrary to what you may think or might have heard, the ability to save is not reserved for the wealthy.  In fact, the opposite is true.  Wealth is created by saving and investing, even if it is a few dollars at a time.

In a quick fix, only today matters type of society, it is too easy to discount the importance of saving and investing, but saving money transcends time.  If you have saved a few dollars in the past, you have a few more options and opportunities today.  If you save today, the same is true tomorrow.

So, the question becomes how to get started.  My advice is to start with what you currently have and keep it simple.  Look at your spending habits over the last 60 to 90 days and ask yourself this question, what was a need and what was a want?  Needs are necessary.  Wants are not.  Needs are essential.  Wants are nice to have.  Select just a few (not all) of those wants and add up what you spent on them.  You may be surprised at what you could save just by setting aside the money that you spent unnecessarily.

I see those pennies piling up already!

Scott Arney
Chief Executive Officer
Chicago Patrolmen’s Federal Credit Union

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