It has always puzzled me why seemingly intelligent people can fall for scams and lies from people they have never met or even spoken to.

After tracking my monthly spending with a budget for over a year, I decided that I needed to look further ahead and so I created a spreadsheet to forecast income and expenses over an entire year.

Someone has to buy the new cars so that others can buy them used when they’re sold. However, you won’t be buying my car as I plan to keep it until it dies a natural death – 15 or more years from now.

I recently purchased a brand new 2011 vehicle. I know what you’re going to say: I wasted my money, that I lost at least $3000 the minute I drove it off the lot…

They say it’s better late than never, but thinking over the things I’ve done (or not done) in my adult life, there are some lessons I wished I had learned sooner.