Despite the ever-rising cost of everything we buy or consume, there are many things we can control and many good decisions we can make regarding expenses--but attention must be paid. In this money management guide, New York Times business columnist Fred Brock offers both conventional wisdom and bold advice on how to deal with the everyday costs of living today. For example, regarding credit cards, Brock advises not to make a late payment--ever--because doing so can result in a big jump in annual interest rates. He also offers advice on debt control, car expenses, and housing costs. He includes charts, graphs, worksheets and a list of resources. Brock's advice is geared to families at several different generational stages, and he explains how to customize for various situations. He provides a way to look at the big picture, and each aspect of it, and a sensible way to minimize the small things that eat away at the paycheck. The goal is to reach a level that supports a comfortable, realistic lifestyle without fear or risk.