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You can pretty much tell the content of this CD-ROM plus book (of the same name) package from the title: here lies a collection of strategies, tips, and information on how to save money when you don't really have any to save. Conventional wisdom is represented here‘pay off your credit cards, max out your voluntary retirement plans‘although there are a few surprises (we were displeased to find two categories of tips only: for women and husband/wife couples. Apparently, single men are all financial wizards). The best feature of the disc is that it's couched in accessible language everyone can follow, and there are forms that will help the disorganized get a handle on where their money is going and how, perhaps, they can stanch the flow. Bottom Line: Recommended for public library reference and circulating collections.

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