How can you lower the inflation rate?

Invest your money. Passbook savings accounts are not a good hedge against inflation. Buy something when the price is low, and hope for the best, or put your money into a money market account. In order to do that, you first have to accumulate money. For many people, the best way to start is with a savings account to which they make regular deposits.

If you can deposit $50 every two weeks for a year, you will have sufficient funds to invest in a broad range of much better investment tools.