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25 Solid-Gold Ways to Save

Some of the best things in life can be free—or blissfully under budget. (Don't miss our updated 2010 guide for more!)
By Anne Kadet
O, The Oprah Magazine  |  From the March 2008 issue of O, The Oprah Magazine
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Maintain certain debts

In the past 50 years, an investment in the nation's 500 largest companies grew at an average rate of 7.8 percent. Of course, there is no guarantee what future market returns will be, but the long-term historical trend is considered a solid guide. If the interest rate on your student loan or mortgage loan is significantly lower than that, you'll likely have more cash in the long run by investing in the stock market rather than paying your loan off early.

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Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.
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