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Saving Money - The Magic 20 Percent Saving money is not easy and is made more difficult if you have a short-term outlook regarding your personal finances. If, like many people, you are living from one pay cheque to the next, it is difficult to put some money aside for a rainy day or for a summer holiday. Risky Business: You May Not be as Daring as You Think I thought I was through with exams when I finished college. Then my financial adviser (a. Family Money Management: The Importance of Agreement Are you having problems with debt? Are you afraid to answer the phone because it may be an angry creditor calling? Do you have problems getting from one paycheck to the next? The simple answer is that you need to budget. But for that budget to work, both you and your spouse need to be in total agreement. The Origins of Check Writing People haven't always written checks to buy goods and services. But you know that right? 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