Pat yourself on the back. Government data show that in the face of the financial crisis, we have reduced our debt, cut our spending and, by one measure, boosted personal savings to the highest level this decade. So now that you’re back on track, how are you going to make the most of your hard-won […]

Whether you’re a Dave Ramsay junkie or trying to learn from some big mistakes in your spending habits, it’s no secret that using credit cards encourages more spending. But I have to assume that you have some clue about how important a budget is to curbing your spending before reading this. Both credit cards and […]

Halloween costumes can be pricey. If you have more than one child, you can end up paying a small fortune. Kids wear them for a day and then hang them in the closet. Savvy shoppers buy costumes on clearance for the following year. Some costumes can be passed on to another child, swapped with friends […]