With her extra savings she was able to buy a new double bed and linens.

At another time, it looked as if extra savings would be gained by raising the number of state job cuts above 5,000.

Foreigners have happily sent America their extra savings and seem inclined to continue to do so.

A more likely source for part or all of the extra savings is the Federal budget itself.

They borrow: Other countries lend $155 billion of their extra savings.

This is called the capital account, and it measures the extra savings that flow across borders.

Then you can take that extra savings and add it back to the emergency fund.

The extra savings will come from better energy usage, new technology and making the supply chain process more efficient.

"Bonuses are free for everything else, like extra saving, big vacations and major repairs on the house."

The limit last year was $10,500, with no extra saving for older workers.