Think You're Saving Money? Not Really

Debt-slaying and money-saving posts are rife with suggestions for how to shave a little here, trim a little there, not spend, not spend, not spend. But you can't say you're saving money just because you're packing your own lunch and drinking the coffee you brewed at home. If you don't make a concerted effort to actually save that money -- to tell it where to go and what to do -- all your few-dollar deprivations will get frittered away elsewhere and you'll keep spinning your financial wheels. Tha...