The lazy days of summer are yielding to the frantic days of autumn, barreling towards the holidays, and with it a new year, if not in sight, just around the corner. It's easy to fly too high, do too much, and crash and burn.
How to save money has become an endangered activity in the United States. In September, the Federal Reserve Bank of St. Louis reported that Americans' personal savings rate was 5.6 percent of disposable income, about half of what it was between 1960 and 1980.
As Benjamin Franklin so famously noted - and to which many will certainly agree -- time is money. On the flipside, many will readily declare that money is time. But what happens when you're a student going after a degree, and you can't afford much in the way of time and/or money?
You may appear more productive, but as you become more sleep deprived will the quality of your work suffer? It is hard to do, but buck the trend and consider slowing down -- just a bit. It might be an unusual New Year's resolution.