Money One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work. Saving for College 101 Here’s a crash course on saving for college. U.S. Personal Savings Rate What can be learned from the savings rate? What to Look for in Personal Finance Apps An increasing number have been developed to help individuals with their personal finances. Your Cash Flow Statement A presentation about managing money: using it, saving it, and even getting credit. Budgeting After a Divorce Divorce is the second most stressful time in a person's life. Here's some tips to get through it. Have a Question Name Email Address Phone Question Thank you! Oops!