Spending & Saving

Making wise decisions when budgeting your expenses and allocating savings.

SPENDING & SAVING
By KATHY M. KRISTOF
Stop, go back to step one and say: "What are my goals?"

SPENDING & SAVING
By KATHY M. KRISTOF
A sick parent, a home repair or a personal disability could prompt a financial crisis. The amount saved depends on situation.

SPENDING & SAVING
By LIZ PULLIAM WESTON
With a little footwork, most people can streamline their finances, make sure their bills get paid and still have time for a life.

SPENDING & SAVING
By LIZ PULLIAM WESTON
The more you make, the more you think you need.

SPENDING & SAVING
By KATHY M. KRISTOF
Most rich folks get there the dull way--through hard work, perseverance, planning and self-discipline.

SPENDING & SAVING
By KATHY M. KRISTOF
Sometimes, the biggest challenge is to scale back on the little things.

SPENDING & SAVING
By KATHY M. KRISTOF
Some Americans say they are scaling back--making the conscious decision to spend less and earn less.

SPENDING & SAVING
By LIZ PULLIAM WESTON
Extended work stoppages can play havoc with a striker's finances.

SPENDING & SAVING
By LIZ PULLIAM WESTON
It may take time to learn, but perseverance can pay off.

SPENDING & SAVING
By LIZ PULLIAM WESTON
Most of those who try it are likely to be quickly converted by the convenience and new sense of control over their finances.

SPENDING & SAVING
By LIZ PULLIAM WESTON
Letting your house get a little cooler in the winter or a little warmer in the summer can save you a bundle.

SPENDING & SAVING
By KATHY M. KRISTOF
How to track down unclaimed utility deposits, forgotten bank accounts and other misplaced funds.

SPENDING & SAVING
By KATHY M. KRISTOF
There are more options than ever for home-based jobs, but beware of illegimate businesses masquerading as opportunities.

SPENDING & SAVING
By KATHY M. KRISTOF
The economics of buying big-ticket items are determined as much by disposition as by dollars.

SPENDING & SAVING
By KATHY M. KRISTOF
Consumers can avoid costly mistakes by becoming familiar with the process, investigating movers in advance and by buying beefed-up coverage.

SPENDING & SAVING
By KATHY M. KRISTOF
Back-to-school shopping doesn't have to be a budget buster.