Heidi Clingen co author of “The Smartest Way to Save, Why You Can’t Hang on to Money–and What to Do About It“.  She says “Your money is hard to make, but easy to spend! You know you need to save to buy a home, send kids to college, retire comfortably, and prepare for financial crises. But credit card debt can cripple you, weakening your ability to cope with financial setbacks. You can drown in a sea of toxic debt and feel powerless to overcome destructive, compulsive spending.” She talks about how to spend less and save more, overcome bad habits and conquer debt. Her tips are clear, practical, doable, and lead to financial security. Her timeless book provides sound money advice that you can apply to your daily life, regardless of your age or economic situation.

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