Author: Maurie Backman, The Motley Fool

The money you’re used to getting back from the IRS might, in fact, become money you owe the IRS instead.

In short, they’re speculative, unregulated and hard to trade.

Hint: It’s something you should be doing already.

Budgeting is one of the most effective money-management tools out there. And it’s easy to do.

January has been kinder to stocks thus far than December was — but that doesn’t mean we’re out of the woods.