rainy day fund

For more than three-quarters of U.S. taxpayers, the silver lining of tax season is the refund check. This year, the IRS says the average refund is just under $3,000, and many people will use theirs to pay off debt or cover expenses. But it could also create an opportunity to save or invest.

I remember a few years back when a guy who lived on our block asked my husband to borrow $5. We didn't really know the guy, but he said he was going through a divorce, had custody of his kids and needed money for the bus to get to work. My husband gave him the money and although I was skeptical of...

I have seen the future, and it is this: No rainy day fund, and someday, I will be all washed up. I saw it recently after Hurricane Ike moved through the Gulf of Mexico, crashed into Texas and eventually made its way up to Ohio, yes, Ohio, and took out my electric power for three days. If I had had...