I have been reading a lot about personal finances and investing at http://money.cnn.com the past few months. I’m convinced, educating yourself about money matters is the most important thing you can do to improve your financial situation. Since I started doing just casual reading a few hours a week here and there, I’ve saved up several hundred dollars, stopped charging, and also started contributing an extra 50 dollars a month to my Roth IRA. I’m not earning a dime more in income, but I’m not missing out on anything I used to think I enjoyed by overspending.