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Many people wonder, "How are banks and credit unions insured and to what degree is my money protected should my financial institution fail?"

When you think about financial goals, you tend to think about the home of your dreams or early retirement and rightly so, because the fulfillment of your financial dreams is usually one of the main reasons why you go to work in the first place.

When I hear these statements, I can’t help but question the validity of them. It is far too easy to say and then believe that when hard times hit there was no way you could have been prepared and it is, undoubtedly, a great way to absolve yourself of any blame.

It is possible for you to save money even if you feel as though you live paycheck to paycheck and your wages are totally committed to paying your bills.  Saving money is a matter of habit not finances.