So, you're completely without a "cash umbrella" for a rainy day--but you know you need to get serious about saving right away. Congratulations! You can do it. And, the rewards are great: the security of knowing you can pay for college, buy a house or car, and enjoy your retirement. Put your finances in order with advice on figuring out what you've got, handling your paycheck, truly understanding your spending habits, and paying down your debts. Track expenses, plan a sample budget, and even find out where to hire a professional to help you. Make up a monthly money diary and realistic budget--and really take advantage of those smart, painless tips on saving. Answers to common questions in every section will clear the confusion about banking, brokers, credit cards, bankruptcy, insurance, and many other financial concerns. You'll save much more than a dime...you'll use what you've learned here and watch your dollars grow and grow!