This book should give everyone the opportunity to put some form of savings in place, whether utilizing the $10-per-day plan or an amount that will be comforting on the pocket. As mentioned throughout, if the savings-plan formula is used with any amount, then at the end, which could mean retirement or the end of a set goal, some accumulation of funds will be available. With the proper use of the work sheet, accurate records can be kept of the money going into the savings plan, and the total can be seen at all times. The words in the puzzle are enhancing words that will assist in the saving process and will serve as a reminder to positive outcomes. Saving should be practiced among the young and the old, more so the young because starting early will lead to more at the end of a set period. Dont hesitate; start now before its too late. Always remember not to borrow or lend from this savings plan because once this practice is started, it can lead to disaster in the plan. Saving should be fun and not stressful; the more fun an individual has during the process, the better will be the reward. Everyone should be competitive with himself or herself. Set goals and aim at reaching them. Dont wait; just do it.