Money management isnt easy, but we do our best to break it down for you.

Here are some of our best personal finance guides, primers, and explainers of 2016.

If only it were this easy.

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For example, here are a few expenses that actually cost more for low-income individuals.

Heres your comprehensive, always up-to-date guide on the best times to buy everything this year.

I thought you wereanti-homeownership, they said, because I thinkrenting is underrated.

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Even as a homeowner, Istillthink renting is underrated.

That doesnt mean buying is a bad decision.

The rent vs. buy debate is just silly overall.

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It ignores the enormous grey area that exists between the two options.

Sometimes theyre just opinions stated with authority, or theyre based on incorrect information or assumptions.

Is it any wonder theres so much confusion when many finance principles are counter-intuitive?

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Best of all, you could find quality anywhere.

That doesnt mean saving money is a waste of time, though.

Some money-saving habits are worthwhile and save you aheap of cash in the long run.

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Others just arent worth it.

Here are somespecific habits Ive ditchedbecause they arent worth my time and energy (or yours).

Many of these outfits prey on people want to improve their finances, which adds insult to injury.

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Letslook at them, and decide which one rises above the others.

He was a relentless, negotiating beast.

He sat in silence and stared at the salesman.

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In the end, I paid nearly $5,000 less than I expected.

Here are some of the best ways to do it, even when you dread it.

I hovered around the poverty line, hoping that I would last until next months rent.

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At the time it felt normal.

Illustration by Jim Cooke.

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