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Smart Piggy

Check out an online piggy bank that helps you sock money away for something you want, like a holiday or a TV—and pays you interest. At, you set up a free account and decide how much money you want to save. Then each month SmartyPig withdraws a specified amount from your checking or savings account and deposits it in an FDIC-insured savings account where it earns interest—3.25 percent annually as of last month. Once you’ve hit your goal, you can choose to save it, apply it to a debit card or buy a gift card for a participating store. Family and friends can add to your piggy bank, too.

Joan Rattner Heilman writes often on good deals and where to find them.

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