Money Saving Tips - A White Paper: Techniques I've Actually Used

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About the author

Mel Clark

Mel Clark writes about personal finance, retirement planning, and martial arts.
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His blue-collar union family parents raised him and his two sisters in a wonderful environment for children.
However, the family was always in debt, always making payments, and never saving.
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As a result, Mel feels called to share hard-won money lessons with working folks. He wants them to understand they can benefit from saving and investing.
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They don’t have to be rich to achieve financial independence.
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He and his lovely wife Linda live near Virginia’s Blue Ridge Parkway. They enjoy ballroom dancing, the occasional camping trip and a silly game called Bananagrams.
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Mel is graduate of the United States Military Academy at West Point and the Darden School of Business at the University of Virginia.