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The Basics
You're frugal? 3 ways to do even better

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A 26-year-old marketing analyst is making most of the right money moves, but there's always room to improve. Here's how one adviser sizes up the opportunities.

 By MSN Money staff

It's New Year's resolution time. Along with exercising, lowering your cholesterol or taking up the banjo, you may have resolved -- along with many others -- to get into better financial shape.

But who has the time to figure out how to become a better money manager?

That's what Chrystal Smith, a 26-year-old analyst for a marketing company in Washington, D.C., is asking herself this year. Read the whole story.

Reality Check personal profiles
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Retire early
Can I quit the military and still retire early?, May 26, 2000
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A single mom saves for college for 3 and retirement, December 3, 1999
This teacher passes the test for early retirement, September 3, 1999
Single male seeks financial footing, August 6, 1999
Fired up for retirement, concerned about college costs, May 26, 1999

Save for a new home
Can we really buy our own home?, February 27, 2001
Trail-wise couple seeks road to fiscal fitness, August 22, 2000
An outdoorsman climbs a mountain of debt, April 21, 2000
Trading homes without going broke, March 31, 2000
Marriage and money can mix, December 17, 1999
Expectant parents want to build up their nest, July 7, 1999

Reduce debt
A plan to break the overspending cycle, December 4, 2002
This Old Headache , November 13, 2002
When your dreams -- and dream house -- collapse, October 23, 2002
How to survive a personal bankruptcy, July 24, 2002
5 ways to rebound from a financial setback, April 18, 2002
Couple escaped $18,000 in debt; now what?, January 9, 2001
Would-be bride is blushing about her debt, November 28, 2000
Trail-wise couple seeks road to fiscal fitness, August 22, 2000
An outdoorsman climbs a mountain of debt, April 21, 2000
She put her daughter through college; now what?, March 3, 2000
Young, single and mired in debt, January 28, 2000
She's house rich and cash poor, November 19, 1999
Expectant parents want to build up their nest, July 7, 1999
We make 90 grand a year and don't have any money!, June 23, 1999

Save for kids' education
Bring home baby without breaking the back, June 26, 2002
Can I quit the military and still retire early?, May 26, 2000
Couple 'sandwiched' between elder care, kid costs, May 5, 2000
A need to stash cash for college and retirement, February 11, 2000
A single mom saves for college for 3 and retirement, December 3, 1999
Teen learns financial costs of freedom, September 17, 1999
This teacher passes the test for early retirement, September 3, 1999
New parents seek help with saving and investing, June 13, 1999
Expectant parents want to build up their nest, July 7, 1999
Fired up for retirement, concerned about college costs, May 26, 1999
Single mom struggles to salvage her savings, May 12, 1999

Career changes
5 financial strategies in tough times, March 12, 2002
5 strategies for surviving a layoff, January 8, 2002
He's back on track after a job loss, October 31, 2000
She's ready to roll toward retirement, October 22, 1999
Teen learns financial costs of freedom, September 17, 1999
Leavin' Las Vegas, August 19, 1999
Facing financial anxiety of changing careers at 50, June 8, 1999

Save for retirement
5 ways to merge your lives and finances, May 29, 2002
5 steps toward financial freedom at 60, November 29, 2001
5 ways to get serious about saving for retirement, July 12, 2001
Plotting your strategy at the Big 4-Oh!, June 7, 2001
From paycheck to paycheck to comfortable retirement, October 3, 2000
An outdoorsman climbs a mountain of debt, April 21, 2000
An oceanfront view of retirement, March 17, 2000
She put her daughter through college; now what?, March 3, 2000
She's house rich and cash poor, November 19, 1999
The wild, wild Wests try to tame their investments, November 5, 1999
Single male seeks financial footing, August 6, 1999
New parents seek help with saving and investing, June 13, 1999
Expectant parents want to build up their nest, July 7, 1999

Investment strategies
Real-world advice for the nervous investor, October 2, 2002
5 strategies for when your portfolio falls 50%, October 4, 2001
5 ways to get a grip on your money, August 30, 2001
5 ways to rebuild a withered tech portfolio, May 3, 2001
Starting over -- but on $168,000 a year, April 27, 2001
A strategy for battling back from bad investments, January 20, 2001
Marriage and money can mix, December 17, 1999
The wild, wild Wests try to tame their investments, November 5, 1999


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MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. An investor's best course of action must be based on individual circumstances.