One of the big issues debated recently is whether or not a four-year degree is worth the cost. The cost of education continues to rise at a pace that outstrips inflation — and definitely outstrips wage growth.

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Scams have become so prevalent that you can practically follow a schedule of scams based on the time of year. This time of year, it is time to start watching for tax time frauds.

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By good budgeting it can mean such a reduction in outgoings that it is like going out and earning from a second job, but without the hassle.

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It's hard to contextualize exactly what Upromise is. Upromise is a rewards program, a passive investment strategy, a credit card, a savings tool. To me it's also $1,692.78. That's the amount of money I've basically gotten for free by participating in the Upromise programs since October, 2002.

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