Are you assuming that things will go along pretty much okay? Most people do, and they're usually right. Even when they're wrong, it tends to be okay, because the typical household'
Typical personal finance advice would have you divide your budget categories into two groups: Your fixed expenses and your discretionary expenses. I generally don't like that dis
Personal-finance experts often recommend having 3-6 months' worth of living expenses saved and easily accessible. In his July 1, 2007 Getting Going column ("Popular Advice
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Featuring Wise Bread's interviews with subject experts.