Living below your means.  Sounds simple, right?   But it is astounding how many Americans live far beyond their means.  According to the Young Americans Center for Financial Education, the average American family has a savings rate of negative .5 {read more}

I’ve been swimming!!! Well not so much in the water but I’ve been book-swimming. A good friend of mine who reads as much as I do recommended this site. Every summer while on vacation from teaching I would use my gift cards from students {read more}