I will just say, no matter where you buy the car, do your homework. When I purchase a car I come in with a folder an inch thick. In fact, one time the auto sales person asked if he could copy my research!

I like the idea of having a paperless society.But to be paperless means you have to be so careful with your identity.

I write for anybody struggling to manage their money.

To get started, track your expenses for a couple of months. Then you should be able to start filling in your estimated debits and deposits for the next few months. Once you get it rolling for a while, you will be able to see your budget for the upcoming months reflected in the estimated totals. You can even notice year-to-year trends, like bonuses, tax bills, etc. that come up routinely and it will help you budget accordingly.

We know intellectually that money can't buy happiness yet we spend and go into debt as if it does.

My first piece of career advice is find your gifting. Find the thing that you are skilled at and figure out if you can make a living doing it.

Set up rules for when you will "give" not lend money. Never lend. My people know that I'll help with college. I'll help if they lose they job thu no fault of their own.