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Finances and cheating are amount the most common reasons for divorce. And what happens when you merge the two? You get a case of financial infidelity, but there’s a twist: a third party doesn’t have to be present to cause a problem.

In a nutshell, it’s the practice of concealing assets, debt obligations or conducting transactions behind your partner’s back that could have a major impact on your financial well-being as a unit.

And apparently, financial infidelity is somewhat commonplace. According to the results of a poll published by National Endowment for Financial Education, one-third of adults involved in a relationship where finances were combined admitted to some form of financial deception. Among the list of qualifying offenses were:

What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to five word summaries. Click on the number to jump straight down to the question.
1. Tracking grocery expenses
2. Price book advice
3. Letting go of old business
4. Credit cards and international travel
5. Compromise and financial goals
6. Enameled cast iron advice
7. Job change advice
8. “Sharing economy” thoughts
9. Amazon Prime question

There are about 45 million businesses in the United States of which more than 99 percent are considered small businesses. More than 40 million of those small businesses have fewer than 20 employees. All businesses, small and large share a common need for protection against the unexpected, and small business insurance satisfies that need. Unlike, big businesses that can have policies tailored to their exact needs, small businesses must rely on off the shelf solutions.

The challenge when it comes to small business insurance is twofold, having the right coverage and enough of it to provide adequate protection. The answers to both challenges are unique to the individual business, however, making a decision about how much insurance is necessary cannot be done without knowing what kind of insurance is needed. To help decode the myriad business insurance offerings, we’ve created an overview of each of the different business insurance products available.

In my experience, many of the truly useful frugal tactics come about from little tweaks to one’s daily routine. If you can look at something that you do almost every day and find some little way to shave a minute off of it, you’ve saved more than six hours over the course of a year. If you can look at that routine and shave a quarter off of it, you’ve saved $90 over the course of a year. If you can do those kinds of changes to several routines in your life, you’re starting to look at some impressive savings.

I’m not talking about things that throw your routine to the wolves and force you to start over from scratch. I’m talking about simple little ways to alter a routine so that the expense of each run of that routine is a little less or the time involved is a little less.

Here are six examples of pretty normal daily routines in my life that I’ve managed to “hack” in significant ways over the years to save both time and money.