After necessities, should youpay down debt?

Pad your kids college fund?

Orsave for your own retirement?

A woman looks at the camera. She’s leaning against a yellow wall. She also has red hair, and she’s wearing a black sweater.

Make your money work for you:Sign up for our investing bootcampand learn everything you need to know to get started with investing.

Our team has compiled alist of creative waysyou can fatten your bank account this week.

This is a long list, so dont get overwhelmed.

Go ahead and start now, but be sure to bookmark this post so you might easily return later.

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Well keep it updated as offers changes or expire.

Instead of going into too much detail, Ill just share the darn thing with you.

Though Beached89s flowchart is undoubtedly straightforward and helpful, putting it into action is a whole other story.

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But have no fear; thats why Ive included tons of links below.

Did you know?

Necessities

This is where everyone starts, and this is whereevery penny counts.

Create a budget,save money on groceries,cut back on billsandstart an emergency fund.

You also might want to considergetting a second joborstarting a side businessto bring in extra cash.

And by all means, if your employer offers aretirement account with match, then take advantage of it.

Baby Steps

Lookin good!

Now focus onpaying off high-interest debt, such as credit cards, quickly.

you could also use an app likeDigittoautomate your savings.

Financially Healthy

Woohoo, youre doing better than most people!

So its time to start seriouslysaving for retirement.

Well-Off

Made it this far?

Oh, and maybe reward yourself with somecelebratory datesor adream vacation.

Your Turn: Did you find this flowchart helpful?

Susan Shain, senior writer for The Penny Hoarder, is always seeking adventure on a budget.

Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

It sounds appealing right?

Check it out here!