Money doesn’t come easy, and unfortunately, neither does understanding it. Whether it’s a past-due bill or a mountain of student-loan debt, most of us have to contend with financial issues on a daily basis.

And our savings rates are looking pretty dismal. At the end of last year, the personal savings rate in America dropped to just 2.4 percent,its lowest level in more than a decade. With economic issues like wage stagnation and a shaky stock market, people might be less inclined to save, but saving is still important.

There are plenty of methods, strategies, and rules of thumb to help you reach your money goals. That said, all of the options might be overwhelming — perhaps you don’t even know where to start. Don’t worry, we have you covered.

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