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The banks have been charging excessive fees to their business and household customers for many years.

In essence, it’s simply to buy time with the thinking being that by propping up production and boosting employment and pubic confidence in the short-term that Americans will have time to repay their debts after which they will hopefully go back to higher spending. They’ll buy houses again, meaning that home construction will restart, bringing with it heightened business investment.

When I was a child, adults in my life often snickered at my grandmother’s frugal lifestyle. After all, if you ran out of something, a quick trip to the store was all it took to replace it

As a Finance major in college, I was required to take a class entitled Personal Financial Planning.

Life in this changing economy certainly evokes fear on some of us. Here are three simple rules for living your financial life in these economic times.