Pinch Pennies

Best-selling author David Bach calls it your "latte factor." It's the little money that slips through your fingers each month, whether spent on coffee, fast food or something else. It's money that could be put to better use if you spent time planning how to spend, save or invest it.

Here is the really big reason you want to become smarter about saving money: If you learn to live well on less now, it will not be a big deal when you retire!

A little extra money can go a long way. Learn ways to save and achieve your financial goals:

• Personal Budgeting
• Savings Basics
• Save by Spending Less
• Watch Your Money Grow!
• Where to Stash Your Cash
• Everyday Saving Strategies

Savings Calculators

• What will it take to become a millionaire?
• How much will my savings be worth?
• What will it take to save for a vehicle, home, etc.?
• What will it take to save for a college education?
• How will taxes and inflation affect my savings?
• How much of a difference will the rate make?
• What's it worth to reduce my spending?
• How much, at what rate, when?
• Which is better: cash or payments?
• How much will my CD be worth at maturity?