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1. How do you decide what to buy?

2. What is the difference between short-term and long-term purchases?

3. When should you use credit to make a purchase?

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Modern-day moral tale resembling Ben Franklin's autobiography.

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TSD - Frugal Living, Savings, Credit Cards, CD Rates, Investing

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The Simple Dollar is a free resource for all things finance. Learn about budgeting, investing, credit, and more to take control of your financial destiny.

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I sat down one day and realized I was throwing away my hard-earned money instead of saving it and building wealth. So I made a budget and slowly I made some headway. I had three jobs. It was exhausting. But, it was worth it. Start today. The freedom on the other side is worth it.

Hard work pays off, literally. I had no control over my money and was racking up insane amounts of debt. I started my monthly budgets, worked extra hours, and now I'm credit card debt free! I feel so much happier and lighter.

For years, I felt like a budget was so restricting and scary. I hated it and just wanted to spend my money when I wanted and how I wanted. After taking this course, I see how budgeting helps me spend my money wisely, while being financially responsible, and I can still spend on things I want and need.

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I sat down one day and realized I was throwing away my hard-earned money instead of saving it and building wealth. So I made a budget and slowly I made some headway. I had three jobs. It was exhausting. But, it was worth it. Start today.

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Personal Budget Template | Education Resources | St. Louis Fed

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Looking for a template to use for your personal budget? Here's a sample spreadsheet to get you started.

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This is actually an excellent resource for helping you make decisions regarding college.

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Stories all over the news have identified a new crisis in the United States: student debt. They say debt is crushing college students, topping $1 trillion dollars overall. That's more than both credit card and auto loans; it's second only to mortgages.

Yet our guest this week says that scary trillion-dollar number isn't what we should focus on.

Sandy Baum is a senior fellow at the Urban Institute and author of Student Debt: Rhetoric and Realities of Higher Education Financing.

Baum says loans provide access to college for students who couldn't other wise afford it. Instead of dismissing debt out of hand, every student should evaluate what kind of higher education is worth it for them.

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Stories all over the news have identified a new crisis in the United States: student debt. They say debt is crushing college students, topping $1 trillion dollars overall. That's more than both credit card and auto loans; it's second only to mortgages. Yet our guest this week says that scary trillion-dollar number isn't what we should focus on.