在管理家庭收入方面,许多家庭面临着关键的选择。一般费用和娱乐或“乐趣”的购买往往会掩盖重要的财务优先事项。因此,储蓄的长期好处被抛弃,以支持即时奖励。初步数据表明激励措施是强大的,可以鼓励日常消费者为未来发展良好的养护习惯。为了使乐趣拯救乐趣,组织已经开始查看奖品链接的储蓄(PLS)游戏结构,可以产生关于其他平凡的活动的兴奋,并在消费者节省的双赢的情况下创造双赢,有机会赢得奖品,并获得奖励存款的兴趣。

2009年,向梦益基金(D2D基金)的门口,支持CFSI的非营利机会基金的支持,推出了一种名为STW的创新储蓄产品。密歇根州信贷联盟联盟(MCUL)和八个密歇根州信贷工会通过提供特定账户实施了PLS概念,将存款活动联系在货币奖项中。

The Michigan Credit Union League and the Filene Research Institute worked with the D2D Fund to develop STW and was the first to pioneer the implementation of a large-scale PLS product in the U.S. In just three years, Save to Win in Michigan has engaged a diverse set of consumers, including those with low and moderate incomes. By December 2011, low- to moderate-income accountholders had saved an average of $1,435 in their STW accounts while asset-poor accountholders had grown their average end balance to $762. A total of 10 credit unions offer the STW product in Nebraska and product take-up is showing promising gains. In its first seven months, 1,300 STW accounts have been opened. These STW accountholders have saved over $1.1M, representing an average savings of $857.