In America and Great Britain generally people have a negative savings rate. That means on average, we as a culture spend more money than we make, which can only lead to disaster.

If I teach one thing as Ms. Money, I hope it is that you learn that HAPPINESS IS A POSITIVE CASH FLOW. That means you need to spend less than you make. Look around the Ms. Money Savings Area and you will find abundant ideas that will teach you to learn to save and show you ways you can cut costs without sacrificing life style.

I kick off the Saving’s Corner with my favorite topic – Cut Your Bills in Half. I see so many people who want to save for a future goal but say to me it is impossible because they just can’t find enough money to set aside. Well, they need fret no longer, because I have given enough money saving ideas to teach everyone how to live their life at half the price. By implementing just a few of those ideas, you should have plenty of cash to stash to spend on something fun for yourself or for that big goal.

I thoroughly researched the Internet and the best sites out there that provide advice for you to save in your everyday life and provided that in the Everyday Savings section. Since I travel a lot, I have set aside quite a bit of money for vacation. I have been the savvy shopper when planning my get-aways. I share my tips as well as other smart traveler’s advice in the Vacation Savings section.

One of the best ways to secure your financial future is to purchase a home. No savings area would be complete without a discussion on home savings, whether saving to buy a house or the process of purchasing one. Usually the price of your home will appreciate over time so it makes an excellent investment.

You can’t say the same about your auto. If you are going to spend a good portion of your hard earned money on a vehicle then you should learn how to get the best deal when buying it. Stop by the Home/Auto Saving section for some valuable information and read my Auto Buying Tips article.

Many of Ms.Money’s readers have children, which is why I included a section on teaching your children how to save and be smart about money. Remember they grow into adults and if you don’t instill good money habits early, you just might be bailing them out of trouble later on. Consider this one of the best investments you can make and click over to the Children’s Savings area.

The biggest financial goal most of us have (or least should have), is saving for retirement. Yet, the process can mystify so many people. The sooner you start saving the faster you will accumulate wealth and be able to retire in style. Check out the Retirement Savings area for a discussion of the pros of investing early and the cons of waiting until the last minute.

I wrapped up the whole section with Thrifty Chic. This is for consumers, like myself, who don’t want to sacrifice lifestyle or fashion while living life at half the price. The good news is, I have proven that you don’t have to. With smart shopping and learning to manage your money wisely you can be the most stylish person on your block and also be the one with the most financial freedom.