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Dear Cheapskate: I just had my annual review at work. My boss told me I’m doing a good job then gave me the option of taking my raise as a lump sum or a salary increase. But I’m not sure if it’s…

Dear Cheapskate: I hardly ever carry cash and rarely use credit. I use only a debit card. But still, there are times I feel out of control. How can I get some control over my spending? — Rob K.,…

I hope you enjoy the following tips from your fellow readers as much as I have. There’s just something satisfying about discovering even the smallest ways to do better while saving time and money.…

Dear Cheapskate: This is petty perhaps, but how does one ever completely pay off a credit card account? We paid off a credit card recently (Hallelujah!) by sending a check for the exact amount…