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NEW YORK (MONEY Magazine) -
For my last book, "You Don't Have to Be Rich," the pollsters at RoperASW unearthed this whopper: 81 percent of people say that no matter how much or how little money they made, they'd be able to live on it.
But half of those people don't pay off their credit card bills each month, and another half don't save anything.
If you're not paying off your credit cards, you're living on borrowed money. And if you're not saving, you're living on borrowed time.
Living this way may jeopardize your financial security, so there's no time like the present to squeeze your lifestyle back into your means. These three steps will help you get started.
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