How_RRQ to_TO Make_VV0 Better_JJR Money_NN1 Decisions_NN2 Everyone_PN1 --_JJ from_II the_AT new_JJ grad_NN1 to_II the_AT new_JJ grandparent_NN1 --_NN1 can_VM benefit_VVI from_II some_DD basic_JJ exercises_NN2 on_II how_RRQ to_TO master_VVI money_NN1 ._. 
David_NP1 Wolfson_NP1 majored_VVD in_II finance_NN1 at_II Indiana_NP1 University_NN1 because_CS ,_, he_PPHS1 said_VVD ,_, he_PPHS1 felt_VVD it_PPH1 offered_VVD him_PPHO1 the_AT best_RRT shot_VVN at_II one_MC1 day_NNT1 starting_VVG his_APPGE own_DA business_NN1 ._. 
But_CCB by_II the_AT time_NNT1 the_AT 22-year-old_JJ graduated_JJ in_II May_NPM1 ,_, the_AT country_NN1 had_VHD spiraled_VVN into_II a_AT1 recession_NN1 ._. 
Unable_JK to_TO find_VVI a_AT1 job_NN1 ,_, he_PPHS1 decided_VVD to_TO take_VVI a_AT1 year_NNT1 off_RP from_II the_AT "_" real_JJ world_NN1 "_" to_TO tend_VVI bar_NN1 and_CC teach_VVI skiing_NN1 in_II Colorado_NP1 ._. 
"_" My_APPGE class_NN1 feels_VVZ cheated_JJ out_II21 of_II22 opportunities_NN2 that_CST existed_VVD just_RR a_AT1 few_DA2 years_NNT2 ago_RA ,_, "_" says_VVZ Wolfson_NP1 ._. 
"_" It_PPH1 's_VBZ frustrating_JJ ._. "_" 
It_PPH1 's_VBZ not_XX just_RR the_AT kids_NN2 who_PNQS are_VBR frustrated_VVN ._. 
With_IW unemployment_NN1 at_II 9.4_MC percent_NNU ,_, a_AT1 26-year_JJ high_JJ ,_, it_PPH1 seems_VVZ like_II everyone_PN1 is_VBZ buckling_VVG down_RP for_IF the_AT worst_JJT economic_JJ storm_NN1 in_II a_AT1 generation_NN1 ._. 
"_" If_CS you_PPY 've_VH0 been_VBN teaching_VVG your_APPGE child_NN1 how_RRQ to_TO manage_VVI his_APPGE money_NN1 for_IF a_AT1 rainy_JJ day_NNT1 ,_, this_DD1 is_VBZ that_DD1 day_NNT1 ,_, "_" says_VVZ Kathy_NP1 Stepp_NP1 ,_, a_AT1 certified_JJ financial_JJ planner_NN1 in_II Overland_NN1 Park_NN1 ,_, Kansas_NP1 ._. 
It_PPH1 's_VBZ good_JJ to_TO learn_VVI to_TO live_VVI within_II your_APPGE means_NN when_CS you_PPY 're_VBR just_RR starting_VVG out_RP ._. 
And_CC that_DD1 's_VBZ a_AT1 lesson_NN1 worth_II reinforcing_VVG for_IF people_NN of_IO any_DD age_NN1 ._. 
Whether_CSW you_PPY 're_VBR struggling_VVG financially_RR or_CC looking_VVG for_IF ways_NN2 to_TO maximize_VVI your_APPGE bottom_JJ line_NN1 ,_, it_PPH1 's_VBZ time_NNT1 for_IF the_AT entire_JJ family_NN1 to_TO give_VVI our_APPGE financial_JJ boot_NN1 camp_NN1 a_AT1 go_NN1 ._. 
Here_RL are_VBR seven_MC exercises_VVZ that_CST will_VM put_VVI everyone_PN1 on_II the_AT path_NN1 to_II fiscal_JJ fitness._NNU 1_MC1 ._. 
Track_VV0 Your_APPGE Spending_NN1 Household_NN1 incomes_NN2 ,_, adjusted_VVN for_IF inflation_NN1 ,_, slid_VVD about_II 1_MC1 percent_NNU between_II 2000_MC and_CC 2007_MC ,_, while_CS total_JJ retail_JJ spending_NN1 surged_VVD 16_MC percent_NNU ._. 
Are_VBR you_PPY outspending_VVG your_APPGE income_NN1 ?_? 
If_CS you_PPY have_VH0 n't_XX revised_VVN your_APPGE budget_NN1 in_II the_AT past_JJ few_DA2 years_NNT2 --_JJ or_CC if_CS you_PPY do_VD0 n't_XX have_VHI one_PN1 at_II all_DB --_JJ it_PPH1 's_VBZ time_NNT1 to_TO get_VVI a_AT1 better_JJR sense_NN1 of_IO where_RRQ your_APPGE money_NN1 is_VBZ going_VVG ._. 
The_AT drill_NN1 --_NN1 For_IF two_MC weeks_NNT2 ,_, write_VV0 down_RP every_AT1 cent_NNU1 you_PPY spend_VV0 --_NN1 on_II every_AT1 pack_NN1 of_IO gum_NN1 ,_, newspaper_NN1 ,_, and_CC impulse_NN1 buy_VV0 ._. 
It_PPH1 all_DB adds_VVZ up_RP ,_, and_CC quickly_RR ._. 
Note_VV0 your_APPGE cash_NN1 or_CC debit_VV0 purchases_NN2 in_II your_APPGE checkbook_NN1 register_NN1 ._. 
Or_CC break_VV0 out_RP the_AT BlackBerry_NN1 and_CC iPhone_VV0 applications_NN2 ._. 
Next_MD ,_, log_NN1 on_II21 to_II22 free_JJ sites_NN2 like_II mint.com_NNU or_CC wesabe.com_NNU ._. 
Using_VVG your_APPGE cues_NN2 ,_, these_DD2 sites_NN2 will_VM pull_VVI information_NN1 from_II your_APPGE banking_NN1 ,_, credit_NN1 ,_, invest_VV0 ment_NN1 ,_, and_CC retirement_NN1 accounts_NN2 ,_, and_CC you_PPY 'll_VM see_VVI at_II a_AT1 glance_NN1 ,_, with_IW colorful_JJ graphs_NN2 and_CC charts_NN2 ,_, where_CS your_APPGE money_NN1 is_VBZ go_NN1 ing_VVG ._. 
"_" At_II the_AT end_NN1 of_IO the_AT day_NNT1 or_CC month_NNT1 ,_, check_VV0 to_TO see_VVI where_RRQ the_AT leaks_NN2 are_VBR ,_, "_" says_VVZ regular_JJ Mint_JJ user_NN1 Dennis_NP1 Bailey_NP1 ,_, 56_MC ,_, president_NN1 of_IO Savvy_NP1 ,_, a_AT1 public_JJ relations_NN2 firm_NN1 in_II Portland_NP1 ,_, Maine_NP1 ._. 
"_" I_PPIS1 was_VBDZ amazed_JJ to_TO see_VVI how_RGQ much_DA1 I_PPIS1 spent_VVD just_RR going_VVG across_II the_AT street_NN1 for_IF coffee_NN1 ._. "_" 
Do_VD0 you_PPY really_RR spend_VVI a_AT1 third_MD of_IO your_APPGE paycheck_NN1 on_II food_NN1 --_NN1 groceries_NN2 ,_, takeout_VV0 ,_, and_CC eating_VVG out_RP ?_? 
Shoes_NN2 ?_? 
Bank_NN1 fees_NN2 ?_? 
About_RG 40_MC percent_NNU of_IO checking_VVG accounts_NN2 in_II the_AT United_NP1 States_NP1 were_VBDR hit_VVN with_IW $240_NNU in_II overdraft_NN1 fees_NN2 last_MD year_NNT1 ._. 
If_CS your_APPGE spending_NN1 in_II any_DD category_NN1 strikes_VVZ you_PPY as_RG high_JJ ,_, that_DD1 's_VBZ the_AT first_MD place_NN1 to_TO start_VVI cutting_VVG back_RP ._. 
The_AT sites_NN2 can_VM even_RR create_VVI a_AT1 sample_NN1 budget_NN1 for_IF you_PPY ,_, but_CCB remember_VV0 :_: The_AT goal_NN1 is_VBZ to_TO tighten_VVI your_APPGE belt_NN1 ,_, not_XX maintain_VV0 the_AT status_NN121 quo_NN122 ._. 
The_AT payoff_NN1 --_NN1 By_II the_AT time_NNT1 you_PPY finish_VV0 this_DD1 exercise_NN1 ,_, you_PPY 'll_VM know_VVI where_RRQ your_APPGE money_NN1 has_VHZ been_VBN going_VVG and_CC ,_, more_RGR important_JJ ,_, how_RRQ you_PPY 'll_VM spend_VVI it_PPH1 in_II the_AT future_NN1 ._. 
At_II the_AT very_RG least_RRT ,_, you_PPY should_VM be_VBI living_VVG within_II your_APPGE current_JJ means._NNU 2_MC ._. 
Automate_VV0 your_APPGE bill_NN1 paying_VVG When_RRQ it_PPH1 comes_VVZ to_II money_NN1 ,_, temptation_NN1 really_RR is_VBZ out_RP to_TO get_VVI you_PPY ._. 
Professors_NN2 at_II four_MC universities_NN2 looked_VVN at_II what_DDQ drives_VVZ economic_JJ decision_NN1 making_VVG ._. 
It_PPH1 turns_VVZ out_RP our_APPGE brain_NN1 really_RR is_VBZ of_IO two_MC minds_NN2 ._. 
When_RRQ students_NN2 chose_VVD a_AT1 small_JJ reward_NN1 now_RT over_II a_AT1 bigger_JJR gain_NN1 down_II the_AT road_NN1 ,_, the_AT emotional_JJ brain_NN1 battled_VVD for_IF control_NN1 over_II the_AT logical_JJ brain_NN1 --_NN1 and_CC won_VVD ._. 
"_" Our_APPGE logical_JJ brain_NN1 can_VM see_VVI the_AT consequences_NN2 of_IO our_APPGE actions_NN2 ,_, but_CCB our_APPGE emotional_JJ brain_NN1 has_VHZ trouble_NN1 imagining_VVG the_AT future_NN1 ,_, "_" explains_VVZ Harvard_NP1 professor_NN1 David_NP1 Laibson_NP1 ,_, an_AT1 author_NN1 of_IO the_AT study_NN1 ._. 
The_AT drill_NN1 --_NN1 Cut_VV0 your_APPGE brain_NN1 out_II21 of_II22 the_AT loop_NN1 ,_, and_CC put_VVD your_APPGE money_NN1 decisions_NN2 on_II autopilot_NN1 ._. 
Authorize_VV0 your_APPGE bank_NN1 to_TO pay_VVI your_APPGE essential_JJ bills_NN2 --_JJ mortgage_NN1 or_CC rent_NN1 ,_, phone_NN1 ,_, utilities_NN2 ,_, cable_NN1 --_NN1 directly_RR from_II your_APPGE checking_NN1 account_NN1 ._. 
Computer_NN1 consultant_NN1 and_CC frequent_JJ traveler_NN1 Paul_NP1 Robichaux_NP1 ,_, 40_MC ,_, of_IO Perrysburg_NP1 ,_, Ohio_NP1 ,_, has_VHZ been_VBN paying_VVG his_APPGE bills_NN2 automatically_RR for_IF 20_MC years_NNT2 ._. 
"_" I_PPIS1 can_VM manage_VVI my_APPGE accounts_NN2 and_CC make_VVI payments_NN2 from_II my_APPGE laptop_NN1 ,_, desktop_NN1 ,_, or_CC mobile_JJ device_NN1 ,_, "_" he_PPHS1 says_VVZ ._. 
Once_CS the_AT system_NN1 is_VBZ up_RP and_CC running_NN1 ,_, you_PPY eliminate_VV0 the_AT likelihood_NN1 of_IO paying_VVG a_AT1 bill_NN1 late_RR ._. 
No_AT late_JJ payments_NN2 ,_, no_AT late_JJ fees_NN2 ,_, no_AT damage_NN1 to_II your_APPGE credit_NN1 rating_NN1 ._. 
Just_RR remember_VV0 to_TO check_VVI your_APPGE statements_NN2 regularly_RR for_IF mistakes_NN2 and_CC hidden_JJ charges_NN2 ._. 
The_AT payoff_NN1 --_NN1 Your_APPGE major_JJ bills_NN2 have_VH0 been_VBN paid_VVN on_II time_NNT1 ._. 
That_DD1 's_VBZ worth_II your_APPGE peace_NN1 of_IO mind_NN1 ._. 
Now_RT to_II the_AT real_JJ work._NNU 3_MC ._. 
Pay_VV0 Down_NN1 Your_APPGE Debt_NN1 Americans_NN2 under_II age_NN1 35_MC spend_VV0 19.7_MC cents_NNU2 out_II21 of_II22 every_AT1 dollar_NNU1 they_PPHS2 earn_VV0 just_RR to_TO make_VVI payments_NN2 on_II what_DDQ they_PPHS2 already_RR owe_VV0 ._. 
Debt_NN1 burdens_NN2 for_IF all_DB age_NN1 groups_NN2 have_VH0 climbed_VVN since_II 2001_MC ,_, and_CC it_PPH1 's_VBZ only_RR getting_VVG worse_JJR as_CSA interest_NN1 rates_NN2 --_NN1 and_CC balances_VVZ --_JJ rise_NN1 ._. 
The_AT good_JJ news_NN1 is_VBZ that_CST the_AT credit_NN1 card_NN1 rules_NN2 signed_VVN by_II President_NNB Obama_NP1 in_II May_NPM1 will_VM restrict_VVI card_NN1 companies_NN2 from_II increasing_VVG the_AT interest_NN1 rate_NN1 on_II what_DDQ you_PPY already_RR owe_VV0 if_CSW your_APPGE account_NN1 is_VBZ in_II good_JJ standing_NN1 ._. 
The_AT bad_JJ news_NN1 ?_? 
The_AT rules_NN2 do_VD0 n't_XX go_VVI into_II effect_NN1 until_II February_NPM1 ,_, giving_VVG the_AT companies_NN2 months_NNT2 to_TO squeeze_VVI profits_NN2 out_II21 of_II22 you_PPY any_DD way_NN1 they_PPHS2 can_VM ._. 
The_AT drill_NN1 --_NN1 Avoid_VV0 making_VVG new_JJ charges_NN2 unless_CS you_PPY can_VM pay_VVI them_PPHO2 off_RP during_II the_AT grace_NN1 period_NN1 ,_, and_CC use_VV0 any_DD extra_JJ cash_NN1 to_TO attack_VVI your_APPGE highest-rate_JJ debt_NN1 first_MD ._. 
Even_RR $5_NNU a_AT1 month_NNT1 more_RRR than_CSN the_AT minimum_JJ payment_NN1 will_VM help_VVI you_PPY pay_VVI off_RP that_DD1 balance_NN1 faster_RRR ._. 
While_CS you_PPY may_VM owe_VVI a_RR21 lot_RR22 more_DAR money_NN1 on_II a_AT1 student_NN1 loan_NN1 ,_, knock_VV0 out_RP your_APPGE credit_NN1 cards_NN2 first_MD because_CS the_AT Stafford_NP1 loans_NN2 generally_RR charge_VV0 about_RG 6.8_MC percent_NNU in_II interest_NN1 ,_, while_CS credit_NN1 cards_NN2 range_VV0 from_II 9_MC percent_NNU to_II 14_MC percent_NNU or_CC higher_JJR ._. 
Ask_VV0 your_APPGE student-loan_JJ servicer_NN1 to_TO extend_VVI your_APPGE payback_NN1 period_NN1 ._. 
Stretching_VVG ten_MC years_NNT2 of_IO payments_NN2 on_II a_AT1 $20,000_NNU Stafford_NP1 into_II 20_MC years_NNT2 will_VM free_VVI up_RP almost_RR $1,000_NNU a_AT1 year_NNT1 ._. 
Once_CS you_PPY 've_VH0 retired_VVN your_APPGE credit_NN1 card_NN1 debt_NN1 ,_, switch_VV0 back_RP to_II the_AT original_JJ schedule_NN1 so_CS you_PPY 'll_VM avoid_VVI racking_VVG up_RP additional_JJ years_NNT2 of_IO interest_NN1 charges_NN2 ._. 
Next_MD ,_, apply_VV0 your_APPGE savings_NN2 to_II your_APPGE highest-rate_JJ card_NN1 balance_NN1 ._. 
People_NN are_VBR understandably_RR perplexed_VVN by_II this_DD1 ,_, but_CCB do_VD0 the_AT math_NN1 :_: You_PPY 're_VBR losing_VVG more_DAR money_NN1 paying_VVG interest_NN1 on_II this_DD1 debt_NN1 than_CSN you_PPY 're_VBR earning_VVG on_II your_APPGE savings_NN2 ._. 
It_PPH1 's_VBZ smart_JJ to_TO keep_VVI a_AT1 small_JJ cash_NN1 cushion_NN1 ,_, at_RR21 least_RR22 $1,000_NNU ,_, for_IF emergencies_NN2 ._. 
Ask_VV0 your_APPGE credit_NN1 card_NN1 companies_NN2 to_TO lower_VVI your_APPGE interest_NN1 rate_NN1 ._. 
If_CS they_PPHS2 wo_VM n't_XX ,_, transfer_VV0 debt_NN1 from_II your_APPGE highest-rate_JJ card_NN1 to_II your_APPGE lowest_JJT ._. 
Before_CS you_PPY do_VD0 this_DD1 ,_, take_VV0 into_II account_NN1 transfer_NN1 fees_NN2 (_( typically_RR 3_MC percent_NNU of_IO the_AT money_NN1 you_PPY move_VV0 )_) ._. 
Otherwise_RR ,_, the_AT transaction_NN1 may_VM cost_VVI you_PPY more_RRR than_CSN it_PPH1 saves_VVZ ._. 
If_CS you_PPY can_VM ,_, refinance_VV0 your_APPGE other_JJ types_NN2 of_IO debt_NN1 ._. 
For_REX21 example_REX22 ,_, local_JJ credit_NN1 unions_NN2 and_CC community_NN1 banks_NN2 may_VM let_VVI you_PPY borrow_VVI cash_NN1 at_II relatively_RR low_JJ rates_NN2 to_TO retire_VVI a_AT1 high-rate_JJ car_NN1 loan_NN1 ._. 
And_CC mortgage_NN1 rates_NN2 have_VH0 dropped_VVN to_TO record_VVI lows_NN2 (_( a_AT1 30-year_JJ fixed_JJ rate_NN1 was_VBDZ 5.74_MC percent_NNU in_II June_NPM1 )_) ,_, so_RR if_CS you_PPY have_VH0 enough_DD equity_NN1 in_II your_APPGE house_NN1 ,_, it_PPH1 may_VM make_VVI sense_NN1 to_TO refinance_VVI ._. 
After_CS you_PPY 've_VH0 killed_VVN your_APPGE highest-rate_JJ debt_NN1 ,_, do_VD0 n't_XX relax_VVI ._. 
Take_VV0 the_AT money_NN1 you_PPY were_VBDR spending_VVG on_II that_DD1 account_NN1 and_CC apply_VV0 it_PPH1 to_II your_APPGE next-highest-rate_JJ debt_NN1 ._. 
Now_RT it_PPH1 's_VBZ time_NNT1 to_TO set_VVI up_RP another_DD1 automatic_JJ transfer_NN1 :_: Move_VV0 10_MC percent_NNU of_IO your_APPGE remaining_JJ discretionary_JJ income_NN1 out_II21 of_II22 your_APPGE checking_NN1 account_NN1 and_CC into_II a_AT1 savings_NN2 account_VV0 the_AT day_NNT1 your_APPGE paycheck_NN1 clears_VVZ ._. 
It_PPH1 may_VM seem_VVI impossible_JJ at_RR21 first_RR22 ,_, but_CCB if_CS you_PPY can_VM spare_VVI even_RR $25_NNU a_AT1 pay_NN1 period_NN1 ,_, it_PPH1 's_VBZ a_AT1 great_JJ habit_NN1 to_TO develop_VVI ._. 
Once_CS you_PPY commit_VV0 to_II a_AT1 debt-free_JJ life_NN1 ,_, the_AT sacrifices_NN2 get_VV0 easier_RRR ,_, says_VVZ Michael_NP1 Roberts_NP1 ,_, 42_MC ,_, of_IO Charlotte_NP1 ,_, North_ND1 Carolina_NP1 ._. 
"_" I_PPIS1 eliminated_VVD $60,000_NNU worth_NN1 of_IO debt_NN1 in_II two_MC years_NNT2 ,_, and_CC I_PPIS1 've_VH0 been_VBN able_JK to_TO build_VVI up_RP my_APPGE savings_NN2 and_CC retirement_NN1 accounts_NN2 ,_, "_" says_VVZ the_AT marketing_NN1 director_NN1 of_IO a_AT1 home_NN1 textiles_NN2 company_NN1 ._. 
"_" It_PPH1 's_VBZ frightening_JJ to_II me_PPIO1 that_CST we_PPIS2 do_VD0 n't_XX teach_VVI enough_DD of_IO this_DD1 in_II high_JJ school_NN1 or_CC college_NN1 ._. "_" 
The_AT payoff_NN1 --_NN1 Now_CS21 that_CS22 you_PPY 've_VH0 conquered_VVN your_APPGE debt_NN1 ,_, start_VV0 saving._NNU 4_MC ._. 
Pay_VV0 Less_RRR ,_, Earn_VV0 More_DAR Most_DAT families_NN2 are_VBR facing_VVG an_AT1 income_NN1 squeeze_NN1 of_IO some_DD kind_NN1 ._. 
Salaries_NN2 are_VBR stagnant_JJ or_CC lower_JJR ,_, hourly_JJ workers_NN2 are_VBR seeing_VVG their_APPGE shifts_NN2 cut_VVI ,_, and_CC about_RG half_DB the_AT people_NN who_PNQS 've_VH0 been_VBN laid_VVN off_RP and_CC found_VVN new_JJ jobs_NN2 over_II the_AT past_JJ year_NNT1 have_VH0 had_VHN to_TO settle_VVI for_IF less_DAR pay_NN1 ._. 
No_DDQV31 matter_DDQV32 which_DDQV33 camp_NN1 you_PPY 're_VBR in_RP ,_, it_PPH1 's_VBZ time_NNT1 to_TO get_VVI serious_JJ about_II making_VVG every_AT1 dollar_NNU1 you_PPY earn_VV0 count_NN1 ._. 
The_AT drill_NN1 --_NN1 This_DD1 is_VBZ a_AT1 two-part_JJ routine_NN1 :_: Find_VV0 the_AT lowest_JJT purchase_NN1 price_NN1 ,_, and_CC maximize_VV0 your_APPGE posttax_NN1 salary_NN1 ._. 
Phase_NN1 one_MC1 ._. 
The_AT world_NN1 is_VBZ full_JJ of_IO things_NN2 to_TO spend_VVI money_NN1 on_RP ,_, but_CCB your_APPGE cash_NN1 is_VBZ limited_VVN ._. 
You_PPY need_VV0 to_TO differentiate_VVI between_II needs_NN2 and_CC wants_VVZ ._. 
A_AT1 few_DA2 years_NNT2 ago_RA ,_, conventional_JJ wisdom_NN1 said_VVD ,_, Go_VV0 ahead_RL --_NN1 stretch_VV0 your_APPGE budget_NN1 and_CC buy_VV0 the_AT most_RGT expensive_JJ home_NN1 you_PPY can_VM ._. 
We_PPIS2 all_DB know_VV0 how_RRQ that_DD1 worked_VVD out_RP ._. 
Today_RT ,_, mortgage_NN1 rates_NN2 are_VBR attractive_JJ ,_, and_CC the_AT stimulus_NN1 package_NN1 means_VVZ up_II21 to_II22 an_AT1 $8,000_NNU rebate_NN1 for_IF first-time_JJ homeowners_NN2 who_PNQS purchase_VV0 before_II December_NPM1 1_MC1 ,_, 2009_MC ._. 
But_CCB the_AT credit_NN1 crunch_NN1 has_VHZ made_VVN people_NN like_II Julia_NP1 Scott_NP1 ,_, 31_MC ,_, reevaluate_VV0 how_RGQ much_DA1 she_PPHS1 's_VBZ comfortable_JJ owing_VVG a_AT1 mortgage_NN1 company_NN1 ._. 
"_" My_APPGE husband_NN1 and_CC I_PPIS1 really_RR want_VV0 to_TO own_VVI a_AT1 home_NN1 ,_, "_" says_VVZ Scott_NP1 ,_, who_PNQS writes_VVZ a_AT1 blog_NN1 called_VVN bargainbabe.com_NNU ._. 
"_" We_PPIS2 envisioned_VVD a_AT1 three-bedroom_JJ house_NN1 in_II the_AT nice_JJ part_NN1 of_IO Los_NP1 Angeles_NP1 ,_, but_CCB now_RT we_PPIS2 're_VBR thinking_VVG of_IO a_AT1 condo_NN1 in_II the_AT not-so-nice_JJ part_NN1 of_IO town_NN1 ._. 
We_PPIS2 probably_RR wo_VM n't_XX borrow_VVI even_RR half_DB of_IO what_DDQ we_PPIS2 're_VBR eligible_JJ for_IF ._. "_" 
In_II some_DD cases_NN2 ,_, it_PPH1 might_VM make_VVI more_DAR sense_NN1 to_TO rent_VVI ._. 
Before_CS you_PPY sign_VV0 the_AT lease_NN1 ,_, try_VV0 to_TO negotiate_VVI a_AT1 better_JJR deal_NN1 ._. 
Landlords_NN2 in_II many_DA2 parts_NN2 of_IO the_AT country_NN1 may_VM be_VBI receptive_JJ to_II reducing_VVG the_AT rent_NN1 or_CC giving_VVG you_PPY a_AT1 month_NNT1 free_JJ ._. 
If_CS you_PPY 're_VBR in_II the_AT market_NN1 for_IF a_AT1 car_NN1 ,_, ask_VV0 yourself_PPX1 :_: Is_VBZ a_AT1 used_JJ car_NN1 good_JJ enough_RR ?_? 
Remember_VV0 ,_, there_EX are_VBR plenty_PN of_IO deals_NN2 on_II all_DB cars_NN2 right_RR now_RT ._. 
(_( If_CS you_PPY bought_VVD a_AT1 new_JJ car_NN1 after_II February_NPM1 16_MC ,_, 2009_MC ,_, or_CC plan_VV0 to_TO buy_VVI one_PN1 before_II January_NPM1 1_MC1 ,_, 2010_MC ,_, you_PPY may_VM qualify_VVI for_IF a_AT1 tax_NN1 break_NN1 ._. 
Check_VV0 irs.gov_NNU for_IF details_NN2 ._. )_) 
Once_CS you_PPY know_VV0 what_DDQ you_PPY want_VV0 --_JJ big_JJ purchase_NN1 or_CC small_JJ --_NN1 hit_VVD sites_NN2 like_II shop.com_NNU ,_, pricegrabber.com_NNU ,_, and_CC shopzilla.com_NNU for_IF the_AT lowest_JJT prices_NN2 on_II everything_PN1 from_II candy_NN1 to_II couches_NN2 ._. 
And_CC do_VD0 n't_XX be_VBI afraid_JJ to_TO bargain_VVI with_IW local_JJ merchants_NN2 or_CC to_TO pay_VVI cash_NN1 ._. 
According_II21 to_II22 a_AT1 study_NN1 by_II professors_NN2 at_II MIT_NP1 's_GE business_NN1 school_NN1 ,_, people_NN who_PNQS charged_VVD their_APPGE purchases_NN2 spent_VVD more_DAR than_CSN twice_RR as_RG much_DA1 for_IF the_AT exact_JJ same_DA things_NN2 as_CSA people_NN who_PNQS paid_VVD with_IW cash_NN1 ._. 
Phase_NN1 two_MC ._. 
Whether_CSW you_PPY want_VV0 to_TO supplement_VVI your_APPGE Social_JJ Security_NN1 or_CC stretch_VV0 your_APPGE paycheck_NN1 ,_, look_VV0 for_IF ways_NN2 to_TO earn_VVI more_DAR cash_NN1 ._. 
Apply_VV0 for_IF extra_JJ shifts_NN2 ,_, overtime_RR ,_, or_CC a_AT1 part-time_JJ job_NN1 ._. 
Terry_NP1 Justice_NP1 ,_, 49_MC ,_, of_IO Arley_NP1 ,_, Alabama_NP1 ,_, has_VHZ headed_VVN up_RP a_AT1 university_NN1 procurement_NN1 office_NN1 for_IF nearly_RR a_AT1 decade_NNT1 ._. 
Last_MD fall_NN1 ,_, he_PPHS1 started_VVD moonlighting_VVG as_II a_AT1 small-business_JJ consultant_NN1 and_CC personal_JJ finance_NN1 counselor_NN1 ._. 
"_" I_PPIS1 put_VV0 in_RP roughly_RR 50_MC hours_NNT2 a_AT1 week_NNT1 in_II my_APPGE formal_JJ career_NN1 ,_, which_DDQ limits_VVZ the_AT hours_NNT2 I_PPIS1 have_VH0 available_JJ ,_, "_" he_PPHS1 says_VVZ ._. 
"_" But_CCB anything_PN1 is_VBZ possible_JJ if_CS you_PPY 're_VBR determined_VVN ._. "_" 
7_MC ._. 
Talk_VV0 Honestly_RR and_CC Openly_RR About_II Money_NN1 If_CS someone_PN1 's_GE thriving_JJ ,_, share_VV0 the_AT good_JJ news_NN1 ._. 
If_CS someone_PN1 ca_VM n't_XX pay_VVI his_APPGE car_NN1 note_NN1 or_CC is_VBZ drowning_VVG in_II debt_NN1 ,_, share_VV0 that_CST too_RR ._. 
"_" It_PPH1 's_VBZ better_JJR to_TO call_VVI in_II the_AT family_NN1 reserves_NN2 early_RR ,_, when_CS your_APPGE problems_NN2 are_VBR relatively_RR small_JJ ,_, "_" says_VVZ financial_JJ planner_NN1 Kathy_NP1 Stepp_NP1 ._. 
"_" Everyone_PN1 will_VM have_VHI more_DAR options_NN2 ._. "_" 
The_AT drill_NN1 --_NN1 Just_RR start_VV0 the_AT discussion_NN1 ._. 
This_DD1 economic_JJ environment_NN1 has_VHZ been_VBN challenging_VVG for_IF some_DD and_CC downright_RR painful_JJ for_IF others_NN2 ._. 
But_CCB once_RR the_AT subject_NN1 of_IO money_NN1 is_VBZ on_II the_AT table_NN1 ,_, everyone_PN1 can_VM share_VVI ideas_NN2 about_II how_RRQ to_TO get_VVI back_RP on_II track_NN1 ._. 
Relatives_NN2 who_PNQS are_VBR doing_VDG well_RR may_VM be_VBI in_II a_AT1 position_NN1 to_TO lend_VVI money_NN1 ,_, cosign_VV0 a_AT1 loan_NN1 ,_, or_CC pay_VV0 a_AT1 few_DA2 bills_NN2 ._. 
The_AT payoff_NN1 --_NN1 You_PPY get_VV0 good_JJ advice_NN1 ,_, fewer_DAR intrusive_JJ questions_NN2 ,_, and_CC the_AT security_NN1 of_IO knowing_VVG that_CST your_APPGE family_NN1 is_VBZ behind_II you_PPY when_CS things_NN2 get_VV0 tough_JJ ._. 
Financially_RR savvy_JJ people_NN share_VV0 the_AT tips_NN2 they_PPHS2 wish_VV0 they_PPHS2 'd_VHD learned_VVN a_RR21 lot_RR22 sooner_RRR ._. 
Unlike_II a_AT1 traditional_JJ IRA_NP1 ,_, which_DDQ limits_VVZ the_AT reasons_NN2 for_IF early_RR ,_, penalty-free_JJ withdrawals_NN2 ,_, you_PPY can_VM take_VVI out_RP every_AT1 dollar_NNU1 you_PPY contribute_VV0 to_II a_AT1 Roth_NP1 IRA_NP1 for_IF any_DD reason_NN1 ,_, at_II any_DD time_NNT1 ,_, without_IW paying_VVG penalties_NN2 ._. 
