articles to inform & inspire you:
Most Americans don't have enough savings to cover a $1K emergency - Bankrate 1/18/18
https://www.bankrate.com/banking/savings/financial-security-0118/
Most Americans can't cover a $1,000 emergency - CNN 1/18/18
http://money.cnn.com/2018/01/18/pf/lack-of-savings-cover-unexpected-expense/index.html
Money Management 101: Why you should track your spending - Simple Dollar 12/13/17
https://www.thesimpledollar.com/money-management-101-why-you-should-track-your-spending/
Best budgeting apps and personal finance tools - Nerdwallet 8/15/17
https://www.nerdwallet.com/blog/finance/budgeting-saving-tools/
Preparing a budget? Ten tips for making that budget successful - Simple Dollar 7/12/16
https://www.thesimpledollar.com/preparing-a-budget-ten-tips-for-making-that-budget-successful/
Emergency Fund: what it is and where to keep it - Nerdwallet 11/30/17
https://www.nerdwallet.com/blog/banking/life-build-emergency-fund
How to set and reach savings goals - The Balance (undated)
www.thebalance.com/how-to-set-and-reach-savings-goals-2386115/
To reach your savings goals, take these steps - Nerdwallet 3/6/17
https://www.nerdwallet.com/blog/finance/how-to-set-savings-goals/
What is the best way to negotiate a settlement with a debt collector? - Consumer Financial Protection Bureau 2/10/17
https://www.consumerfinance.gov/ask-cfpb/what-is-the-best-way-to-negotiate-a-settlement-with-a-debt-collector-en-1447/
This is how to save money on the expensive monthly bills you can't escape - The Penny Hoarder 11/15/17
https://www.thepennyhoarder.com/smart-money/save-money-on-bills-you-cant-escape/
25 budget grocery shopping tips to save money - My Money Coach (undated)
https://www.mymoneycoach.ca/blog/budget-grocery-shopping-tips-to-save-money.html
Credit Card Payoff Calculator - Bankrate
http://www.bankrate.com/calculators/credit-cards/credit-card-payoff-calculator.aspx
Mark Cuban: the 3 best tips to save more money in 2018 - CNBC 12/26/17
https://www.cnbc.com/2017/12/21/mark-cuban-3-tips-to-save-money-in-2018.html
10 best savings accounts of 2018 - Go Banking Rates 1/13/18
https://www.gobankingrates.com/banking/best-savings-accounts/
The best high-interest savings accounts online for 2018 - The Simple Dollar 1/23/18
https://www.thesimpledollar.com/best-high-interest-savings-accounts/
How to throttle down on car costs and save thousands - USA Today 12/12/17
https://www.usatoday.com/story/money/personalfinance/budget-and-spending/2017/12/12/car-ownership-cost-saving-tips-gas-maintenance-insurance/924447001/
6 surprisingly easy ways to never pay full price for anything - Thrifty Frugal Mom 3/31/17
https://www.thriftyfrugalmom.com/how-to-never-pay-full-price-for-anything/
12 things you're paying too much for - Clark Howard 7/12/17
http://clark.com/personal-finance-credit/thing-you-pay-too-much-for-how-to-get-cheaper/
$3,000 for lunch? Little splurges add up if you're not careful - USA Today 11/11/15
https://www.usatoday.com/story/money/personalfinance/2015/11/11/lunch-saving-budget-dine-out/75170170/
65 places where kids eat free (or almost free) - Brad's Deals 1/18/18
https://www.bradsdeals.com/blog/restaurants-where-kids-eat-free
60 simple rules of personal finance - The Simple Dollar 12/13/17
https://www.thesimpledollar.com/sixty-simple-rules-of-personal-finance/
94 creative ways to save money today - Greatist 8/18/15
https://greatist.com/happiness/ways-save-money
12 ways to stop wasting money and take control of your stuff - Time Money 11/20/14
http://time.com/money/3070984/overspending-overconsumption-stuff/
10 ways an eco-friendly lifestyle can save you money - Frugality Magazine (undated)
http://www.frugalitymagazine.com/10-ways-eco-friendly-lifestyle-can-save-money-30646/
https://www.bankrate.com/banking/savings/financial-security-0118/
Most Americans can't cover a $1,000 emergency - CNN 1/18/18
http://money.cnn.com/2018/01/18/pf/lack-of-savings-cover-unexpected-expense/index.html
Money Management 101: Why you should track your spending - Simple Dollar 12/13/17
https://www.thesimpledollar.com/money-management-101-why-you-should-track-your-spending/
Best budgeting apps and personal finance tools - Nerdwallet 8/15/17
https://www.nerdwallet.com/blog/finance/budgeting-saving-tools/
Preparing a budget? Ten tips for making that budget successful - Simple Dollar 7/12/16
https://www.thesimpledollar.com/preparing-a-budget-ten-tips-for-making-that-budget-successful/
Emergency Fund: what it is and where to keep it - Nerdwallet 11/30/17
https://www.nerdwallet.com/blog/banking/life-build-emergency-fund
How to set and reach savings goals - The Balance (undated)
www.thebalance.com/how-to-set-and-reach-savings-goals-2386115/
To reach your savings goals, take these steps - Nerdwallet 3/6/17
https://www.nerdwallet.com/blog/finance/how-to-set-savings-goals/
What is the best way to negotiate a settlement with a debt collector? - Consumer Financial Protection Bureau 2/10/17
https://www.consumerfinance.gov/ask-cfpb/what-is-the-best-way-to-negotiate-a-settlement-with-a-debt-collector-en-1447/
This is how to save money on the expensive monthly bills you can't escape - The Penny Hoarder 11/15/17
https://www.thepennyhoarder.com/smart-money/save-money-on-bills-you-cant-escape/
25 budget grocery shopping tips to save money - My Money Coach (undated)
https://www.mymoneycoach.ca/blog/budget-grocery-shopping-tips-to-save-money.html
Credit Card Payoff Calculator - Bankrate
http://www.bankrate.com/calculators/credit-cards/credit-card-payoff-calculator.aspx
Mark Cuban: the 3 best tips to save more money in 2018 - CNBC 12/26/17
https://www.cnbc.com/2017/12/21/mark-cuban-3-tips-to-save-money-in-2018.html
10 best savings accounts of 2018 - Go Banking Rates 1/13/18
https://www.gobankingrates.com/banking/best-savings-accounts/
The best high-interest savings accounts online for 2018 - The Simple Dollar 1/23/18
https://www.thesimpledollar.com/best-high-interest-savings-accounts/
How to throttle down on car costs and save thousands - USA Today 12/12/17
https://www.usatoday.com/story/money/personalfinance/budget-and-spending/2017/12/12/car-ownership-cost-saving-tips-gas-maintenance-insurance/924447001/
6 surprisingly easy ways to never pay full price for anything - Thrifty Frugal Mom 3/31/17
https://www.thriftyfrugalmom.com/how-to-never-pay-full-price-for-anything/
12 things you're paying too much for - Clark Howard 7/12/17
http://clark.com/personal-finance-credit/thing-you-pay-too-much-for-how-to-get-cheaper/
$3,000 for lunch? Little splurges add up if you're not careful - USA Today 11/11/15
https://www.usatoday.com/story/money/personalfinance/2015/11/11/lunch-saving-budget-dine-out/75170170/
65 places where kids eat free (or almost free) - Brad's Deals 1/18/18
https://www.bradsdeals.com/blog/restaurants-where-kids-eat-free
60 simple rules of personal finance - The Simple Dollar 12/13/17
https://www.thesimpledollar.com/sixty-simple-rules-of-personal-finance/
94 creative ways to save money today - Greatist 8/18/15
https://greatist.com/happiness/ways-save-money
12 ways to stop wasting money and take control of your stuff - Time Money 11/20/14
http://time.com/money/3070984/overspending-overconsumption-stuff/
10 ways an eco-friendly lifestyle can save you money - Frugality Magazine (undated)
http://www.frugalitymagazine.com/10-ways-eco-friendly-lifestyle-can-save-money-30646/