Saving with a social twist

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Consumer credit is ubiquitous and the notion of saving up for something is almost foreign. But it's an essential step toward regaining control over spending, and SmartyPig wants to help. Iowa-based SmartyPig offers a safe, secure way for consumers to save towards a specific goal—a wedding, remodeling project or vacation, for example—and it adds a dash of social networking and added incentives to speed up the process. Users begin using the free service by creating a profile on SmartyPig and establishing a savings account and goal amount—anywhere between USD 250 and USD 100,000. (SmartyPig's banking partner is 115-year-old, FDIC-insured West…

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