[BAGAGT1]

I've always been a saver, but, while working thru a career change, I had time to read "Personal Finances for Dummies" by Eric Tyson. That book changed the way I managed my money. That is when I decided that I should start saving for my retirement and saving for a home. Six years later, I now own a home, and I have a decently sized retirement account. At times, I will carry a credit card balance, but I generally try to find credit card offering introductory 0% interest rate, so I don't pay interest on my balances.