Choose all that apply.

Identify tips that help you save.

-If you receive cash as a gift, save at least part of it.
-Pay your bills on time to avoid late fees and finance charges.
-Use direct deposit or set up your account to automatically transfer money directly into savings.
-Save any extra money you get as a raise or bonus from your employer.
-When you get a tax refund, save it.
-If your employer offers a retirement plan, join it.
-Avoid debt.