i am such a money moron – i don’t know how it just seeps out – i asked my bank if they have money management classes, and of course all they want me to do is sign up for their programs which don’t help me. my biggest expenses are food (no eating out at restaurants) and gas. i read that the majority of americans live beyond their means – that’s some solice, but not the right kind of company i want to be in with. any tips?