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Savings Experiment: Making Your Makeup Multitask

If you feel like your daily makeup routine costs too much, you're not the only one. The average American woman spends about $100 a month on cosmetics and beauty products. So how do you maintain your daily look without dipping into your retirement fund? Consider finding products that can do double duty.

This Family Needs a Post-Unemployment Debt Reduction Plan

After a long spell in which one or both spouses were unemployed, a couple with three kids finds themselves $50,000 in debt. Now, with wife and husband back at work, they're aiming to get all their financial pins in a row and bowl a strike. DailyFinance's Laura Rowley offers a strategy for success.

What to Do When Credit Card Bills Devour Your Paycheck

Credit card debt is tough to avoid -- and tougher to escape. We received an email from a reader who owes $20,000 on her cards, and spends a third of her income on those payments. Credit expert John Ulzheimer offers a legitimate method for her to reduce monthly costs and get out of the red.

As Economic Woes Linger, Fortunetellers' Fortunes Rise

In this challenging economy, when U.S. unemployment is far too high and our national and personal bank balances are much too low, one profession that continues to thrive -- and perhaps even benefit from all the uncertainty -- is psychics.

Does an Annuity Make Sense for Your Retirement Portfolio?

People nearing retirement now face a volatile stock market on the one hand and weak returns on their savings on the other. Fixed annuities offer a guaranteed stream of income, but there are downsides. Economist Brett Hammond of TIAA-CREF discusses how an annuity can fit into your portfolio, and some pitfalls to avoid.

Ask the Experts: How to Win at the Retirement Game

if(typeof AOLVP_cfg==='undefined')AOLVP_cfg=[];AOLVP_cfg.push({id:'AOLVP_us_1163848199001','codever':0.1,'autoload':false,'autoplay':false,'playerid':'61371447001','videoid':'1163848199001','stillurl':'http://www.blogcdn.com/www.dailyfinance.com/media/2011/09/winatretirement.jpg','publisherid':1612833736,'width':284,'height':160,'playbutton':false,'bgcolor':''});The most powerful tool young investors have is time, because savings can grow exponentially over decades. A 23-year-old Californian asks how to get started and make the most of those years when her employer doesn't offer a retirement plan. DailyFinance's Laura Rowley shows her how to play the game.

Expert Tips for Racking Up Free Airline Miles

Now that summer is nearly over, you can start planning for next year's big vacation by racking up airline miles. We spoke with one expert who scored 250,000 miles in a 12-month period by opening just three cards. But his strategy isn't for everyone.

Psychological Keys to Boosting Your Financial Willpower

Dr. Roy Baumeister is a research psychologist who has studied the science of self-control for many years. He's also co-author of the new book "Willpower." We asked him how you can boost your willpower when facing financial temptations and decisions. Here are his secrets.

How to Get the Best Deals: Avoid Decision Fatigue

Negotiating the best price for services like cable and Internet can involve so many decisions, it's tempting to just throw up your hands and settle for the status quo. That's a phenomenon known as decision fatigue. Here's how to avoid it, and get the deal you deserve.

Advice for a Compulsive Shopper

A compulsive shopper splurges on her credit cards and then hides the purchases from her spouse. She wants to stop. Dr. David Krueger, a former psychiatrist and author of the new book "The Secret Language of Money offers" some advice.

Get Cash for Your Gold Without Being Cheated

Gold prices are up again, and floating near an all-time high: That means bad news for the overall economy, but good news if you have unwanted jewelry and want to cash in. But be careful: It's also a good time to get cheated. DailyFinance explains how to get the best price for your gold.

How to Live Richly on Just $40,000 a Year

Danny Kofke is a special education teacher in Atlanta. Married with two young daughters, Danny recently wrote A Simple Book of Financial Wisdom: Teach Yourself (and Your Kids) How to Live Wealthy with Little Money. The title says it all. Here are his tips:

Video: One Immigrant's Path to the American Dream

The death of the American Dream has been greatly exaggerated -- just ask Sofiya Cherni. Since she arrived in North Dakota from the Ukraine 14 years ago, the 28-year-old has earned a college degree, found a good job, and bought and then paid off her first home -- by working hard, spending wisely, and keeping a sharp eye on the numbers.

Learn How to Avoid a College Credit Card Catastrophe

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How Rich Is Rich? Where We Draw the Wealth Line

America has always had a love/hate relationship with its wealthiest citizens, and the Great Recession has only made it worse. The trouble is, while everybody knows that "the rich" are the enemy, it's hard to determine where exactly the line lies between salt-of-the-earth members of the middle class and the bloated plutocrats.

Medicare's Next Patient: The Federal Budget Deficit

As the federal super committee looks for $1.5 trillion in cuts, it's clear that fixing the federal budget will mean tackling big items -- including Medicare, America's most popular social program and one of its most expensive.

Biggest Buzz for the Buck: The Best Fast Food Coffee

If you still rely on Dunkin' Donuts for your budget buzz, you might be missing a better value. We conducted a taste test comparing the classic to coffee from McDonald's and Starbucks. Who delivers the best coffee for the price?

Cosmetic Surgery: Are the Payoffs Worth the Price?

Despite the recession, the cosmetic procedure industry has continued to grow across the board, with injectables creating a whole new business line in the industry of youthful appearance. But what do patients really get out of these procedures -- and are they worth the money?

Investment Tips: How to Tame the Wall Street Beast

Amid plenty of uncertainty, investors are looking for strategies that will make them wealthy. But you should forget about the idea of getting rich quick and focus on diversity, according to Larry Light, author of the new book, Taming the Beast: Wall Street's Imperfect Answers to Making Money.

Five Takeaways from the Debt Debate

As the debt-ceiling discussion winds down in Washington and everyone laments over the meaning and mutual downside of compromise, the economy is still in trouble. But we learned some lessons along the way. Here are some key points from the debacle.

How to Bet the Horses and Win on a Budget

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Ask the Expert: Small Business Owners Say 'Leave Us Alone'

Job growth is weak, Wall Street's big guns are backtracking on their predictions of no double dip, and pessimism reigns. So Ask the Expert checked in with Brian Hamilton, CEO of Sageworks, for his refreshingly candid take on what's happening, what isn't, and why on the hiring front.

How to Do Well and Do Good: Invest in Local Businesses

When it comes to money, it can be hard to choose between "doing good" -- say, by donating to charity -- and "doing well" -- deploying it to earn more money, say, by buying stock. But there are ways to combine both ideals, and one is by putting your money where your town is.

Wall Street Week in Review: Mixed Bag of Earnings, Hot IPO

It's been an exciting week on Wall Street. Not only did investors get a taste of how earnings are stacking up for companies like Apple and Chipotle, Zillow's stock really took off during its first day of trading. We asked Chris Hill from The Motley Fool what the numbers really mean.

My 3 Cents: Be Grateful for 401(k) Auto-Enrollment

Setting anything to automatic has its good and bad points. A 2006 law designed to increase retirement savings allows companies to auto-enroll employees in 401(k) plans: A closer look reveals some interesting pros and cons.

My 3 Cents: When and How to Haggle for Everyday Items

We all know not to pay sticker price for a new car or a house, but the prices for many of the things we buy regularly aren't set in stone either. And where there's wiggle room, there's haggling. So how can you haggle gracefully? Regina Lewis explains the two cardinal rules of haggling.

My 3 Cents: Fix It or Nix It? A Gadget Conundrum

Your favorite gadget just broke, and is no longer under warranty. Should you repair it or replace it? DailyFinance consumer advisor Regina Lewis examines the best options for your ongoing consumer electronics happiness.

Wikinvest's Mike Sha on the Investing Wisdom of Crowds

If the financial collapse taught us anything, it's that opacity and self-serving behavior rule at the big Wall Street firms -- so how can the little guy trust their advice? Wikinvest's Mike Sha explains how crowdsourcing can provide better, less biased investment advice to average investors.

Ask the Expert: Celebrating Your Financial Victories

In addition to chasing down answers to our readers' questions, we love to hear about your firsthand experiences with weathering this economic storm. And when we asked "Will you be better off next year?" at least one reader weighed in with a resounding "Yes!"