How to stretch your paycheck

You keep asking yourself: Where has all the money gone?

Of course, you have a good idea: It has gone to spending on groceries, cell phone and cable bills, mortgage and insurance payments, and maybe even on a weekly night out for dinner and on a daily cup of latte. With a few phone calls and adjustments, and some discipline, you can make your paycheck go further. And, hopefully, you can start saving the difference.

-- Laura Cohn, Kiplinger

March 30, 2012