There will probably be times in your life when you are spending more than you are earning. There will probably also be times when you are earning more than you are spending. It's helpful to have a good understanding of finances so that you know how to behave and how to best manage your money in each of these situations. You want to save for the future when your earnings are high. You want to keep costs down when your earnings are low. You can get some good input and guidance on financial topics, in general, here on this money blog.