It's great to have a 401(k), but not everyone knows that you don't have to wait until you're old before they become useful. There are a number of reasons you can take cash from your retirement account. It's basically taking out a loan from yourself. Funds from 401(k)s can be used to pay for a myriad of things, from medical expenses to financing a business to buying a home--although there should be a smart reason to take a loan. No vacations or big-screen TVs.

Coupons carry all kinds of stigmas, branding users as dorks and misers. Guess what? Unless you're high up in the ranks of a successful company, the recession is still very much 'on.' It's a new era, and it's an era in which saving money is anything but miserly. It's smart.

Saving on Groceries and Drugstore Items

Nothing is sweeter (or scarier) than realizing you finally have the savings and ability to move out of your parents’ place. But hitting the pavement and scouring the back of the Classifieds is so 1995. Thankfully, the web is packed with search engines, resources, tips, and checklists to get you moving and keep you organized.

When the mercury dips to levels only polar bears can contend with, mere mortals crank the heat. Home heating represents the biggest piece of the expense pie--up to 35-50% annually, especially in chillier states. Homeowners and renters alike can benefit from a few simple tricks and maintenance tips to help heat bills fall like snow.