During this time of year, we all get caught up in the spending frenzy and buy things we can't afford. But if we continue to overspend without thinking, it can lead to a very painful financial hangover come the New Year.

Are you frustrated with your finances? Drowning in debt? Or just not sure where your money goes each month?

Valuing small amounts of money is directly connected to paying attention to life's small expenditures. And it's the small outlays of money that you have the most control over.

As parents, one of the most important lessons for us to teach our children is how to spend and save wisely. By sharing financial lessons with our kids starting at an early age, we can help them understand the importance of being financially responsible and self-sufficient for life.

Let's face it, we are not a nation of savers. According to the most recent data from the Commerce Department, Americans saved 4.5 percent of their inc...