Feeling frugal this holiday season? It's OK, so are most American consumers, according to numerous surveys.

The stock market crash of October 2008 buried the Harrers' dream life in financial rubble. It was a double-whammy for them, reducing both the personal investments they were living on and the retirement funds they were counting on for the future.

Coming soon to a high school near you: the local bank. A number of high schools are opening their doors to financial institutions to teach finance to kids.

Wells Fargo & Co. has agreed to refund up to $1.4 billion to investors who purchased risky securities that were advertised as safe as cash.

1. Being vague about your financial situation. Not knowing account balances, monthly expenses, loan interest rates, fees or contractual obligations.

Every week, in the fellowship room of an east Sacramento church, Kevin and about 25 other self-described "overspenders" and compulsive debtors seek help from others battling the same addictions.

Homeowners struggling with mortgage debt are looking for answers. This week, certified financial planner Pamela Christensen offers some advice. She's one of our three new "Ask the Experts" writers who offer free financial advice online at www.sacbee.com/ask.

Here are highlights of the Credit Card Accountability Responsibility and Disclosure Act of 2009:

If you've got a credit card, you've likely been zinged already.

Some call it California's cash advance. Effective today, the amount of state income taxes withheld from California workers' paychecks will increase 10 percent.

California's plan to implement a "cash for appliances" program with federal stimulus funds focuses on three meat-and-potatoes appliances used by millions of residents.

The recession has run a few drivers off the road, at least when it comes to keeping their auto insurance coverage.

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