Saving money is tough work. As a financial adviser for more than 28 years, it seems that no matter how much money people make, they feel they don’t have enough to put any into savings — even ...

Plus, buying secondhand is better for the environment. I create less waste and save money. It is a win-win for me. My parents viewed debt as something that stood in the way of financial freedom.

If you have access to your parents' checking account, limit the amount of money in it by regularly transferring funds to a savings or money-market account. And if spending is out of control ...