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How often did you wish your teenager kid were a little more careful with pocket money? Or your parents, who are about to begin their retired life? Or even yourself – maybe fewer of those costly college parties could have helped you pay off your student loan sooner?
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We all need to know the three “ing’s” of managing money – spending, saving and investing. The first two – spending and saving – are easy to track. Looking up your credit card statements from time to time will give an idea where most of your paycheck is going. And because what is not spent is saved, these statements will also tell you where some of your paycheck should not be going.
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  I am a scientist working in a US university, and I also study the dynamics of financial markets and their impact on our financial health. More...

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