Are you cash flow savvy?   Managing your financial health is important, and one of the best ways to be fiscally fit is to expertly control what goes in and what goes out of your bank account on a monthly and annual basis.  One of the fundamental building blocks for wealth creation and long-term financial security is spending less than you earn.  Many people, whether of high or low income level, fall into the trap of over-spending and building debt. True cash flow planning involves understanding the components that make up where money comes from, where it goes, and what choices...

Some people manage their money like they were born with calculators in their hands. Others…not so much. Maybe they fall prey to their own instincts to spend more than they should. Maybe math just isn’t their strong suit or they find it unbearably tedious to keep track of pennies and dimes, let alone dollars. If this sounds like you, you’re not alone. Just look at the statistics: The American Psychological Association does a survey every year in an attempt to pin down where folks think they stand financially. The most recent survey indicated that a walloping 70 percent of us...