Savings Strategies for Non-Savers

This webinar will begin with a discussion of the importance of saving money, types of savings, reasons to save, and why people don’t save. It will also describe the process of financial goal-setting with SMART goals to determine how much periodic savings is needed to reach a financial objective such as saving $10,000 for a car. These topics will be introduced through a Savings Coat of Arms activity and webinar chat discussion. The remainder of the webinar will describe 15 specific ways to save money and 10 ways to reduce expenses to “find” money to save. The webinar will conclude with a discussion of online resources about saving money including motivational programs and online worksheets and calculators to determine savings accumulations over time and the savings required to reach personal financial goals.
  • 1.5 CEUs for AFC-credentialed participants.
  • To connect to this webinar, which is hosted by DoD, you must install security certificates if you are not on a military installation. Instructions for can be found:
  • For those who cannot connect to the Adobe site, an alternative viewing of this webinar will be running on Ustream 
  • Also you can connect to the Adobe webinars using the iPhone, iPad, and Droid apps. Search for DCO Connect in the respective stores.
  • No registration is required. 


Dr. Barbara O’Neill, financial resource management specialist for Rutgers Cooperative Extension, has been a professor, financial educator, and author for 35 years. She has written over 1,500 consumer newspaper articles and over 125 articles for academic journals, conference proceedings, and other professional publications.  She is a certified financial planner (CFPO), chartered retirement planning counselor (CRPCO), accredited financial counselor (AFC), certified housing counselor (CHC), and certified financial educator (CFEd). Dr. O’Neill served as president of the Association for Financial Counseling and Planning Education and is the author of two trade books, Saving on a Shoestring and Investing on a Shoestring, and co-author of  Investing For Your FutureMoney Talk: A Financial Guide for Women, and Small Steps to Health and Wealth.  She earned a Ph.D. in family financial management from Virginia Tech and received over three dozen awards for professional achievements and over $900,000 in funding for financial education programs and research.

If you were unable to attend this web conference but would still like to earn the Continuing Education Credits, you may take a short quiz and earn 80% or higher to receive a Certificate of Completion. For more information on this process, click here:

Created by Molly Herndon

Primary Audience: Not Set