Sally Herigstad, certified public accountant and author of "Help! I Can't Pay My Bills," answers your personal finance questions and gives money advice you can use.

Just say no to store credit cards

Why not sign up for cards at every store at the mall, and save 15% or more on all our Christmas shopping?

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6 foolish ways to go green

We all want to save the earth. Unfortunately, we can do more harm than good if we don't stop and think about the consequences of our actions.

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No long-term care insurance? Uh-oh

Many of us are counting on the government, disability insurance, our children or our own savings to take care of us in our old age. That can be an expensive mistake.

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6 reasons not to save for college

No, it won't make you bad parents. It's fiscally irresponsible to spend your retirement money on your children's education. See my article on MSN Money about why designated education funds may not always be the best use of your money.

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Get the most from your tax software

Tax software makes doing your annual tax return much easier. But can you trust the results? This article I wrote for MSN Money tells you how to use software like a pro to make sure you get all your deductions and file an accurate return.

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