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...