Free Stuff on the Web What a great feeling, going to check the mail and -- surprise -- some free goodies! Whether it's a sample of candy, a household cleaner or a free T-shirt, everyone loves free stuff. And there's a lot available online. One of the advantages of free samples is that you can try out a product to see just how it works for you, before shelling out your ...Read more

Seven Steps to Creating a Budget You'd never set out on a cross-country road trip without consulting a map. And, likewise, you can't expect to reach your financial goals without developing a plan for spending and saving. Track spending for a month. Put savings on autopilot. Prioritize spending. Use cash for daily spending. Tackle credit card debt. Build emergency savings account. ...Read more

Thirteen Ways to Live a Rich Life on Less Money Can you remember life before $100 sneakers and $5 coffee, when people actually lived on what they earned and still had a little something socked away for a rainy day?"People moan and groan about why they can't make do," says Michelle Singletary, author of Seven Money Mantrs for a Richer Life (Random House, 2003). "But if you look at ...Read more