Editor's Note: APYs listed in this article are up-to-date as of the time of publication. CNBC Select will update as changes are made public. With a high-yield savings account, your APY can be ten ...

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The problem with most budgets is they don't work. While they look at a typical month's spending, what about birthdays, that dentist visit and other one-offs? This guide gives you some helpful tips and ...