I know, you're probably used to seeing horror stories about spouses that run up massive credit card bills and go into financial ruin because of an addiction to clicking "Add to Cart". But, there's another side to the world of e-commerce that can help provide stability and improve the life of every member of your household.

If you've ever applied for auto insurance you know your insurer will ask how many miles you drive each year. What may be surprising, however, is the impact those annual miles may (or may not) have on your car insurance premiums.

More families are struggling and living paycheck to paycheck than ever before. We've been there ourselves, and many of our best friends are living this way financially. And I bet that if you're not there yourself, you are still very familiar with living on the financial brink.

The most important part of getting a great deal is feeling as though you got one. However, getting a great deal is not as complicated as it seems. There are lots of tools available for you to use. All it takes is a little persistence and an unwillingness to say no.

Add up all of the above. I just found you $400. Now I know there are some so trapped in poverty that this in no way applies to them. But we are talking almost half of Americans today would struggle with a $400 emergency. At what point do you finally declare a financial emergency and start saving?

Many families get by with a college-aged baby sitter most of the summer. If you're comfortable with it, you could instead hire an older high school student. You may not get the benefit of a sitter who can drive kids to activities. However, less experienced sitters command a lower rate, saving you money.