A soaring personal savings rate among American consumers confirms that the era of conspicuous consumption is out and frugality is in. So, where's the best place to stash your newfound cash as you strive to spend less and save more? If you're looking for a safe and highly-liquid investment that offers the best interest rates available at little or no cost, a high-yield online savings account can't be beat.

Unless you don't exist in the credit system for some reason, you actually have three credit scores. And you have three credit scores because you also have three credit reports — one from each of the major credit bureaus. While each credit report should be similar, chances are they contain different information because certain lenders may only report to one of the major credit bureaus. Therefore, each of your credit scores will likely be different as well.

While the Credit Card Act of 2009 may not be perfect, it will put an end to some of the more egregious practices that have plagued the credit card industry for decades. Among the major changes the law will enact, double-cycle billing is one that consumer activists are especially excited to bid goodbye.

Looking for a new rewards credit card that's forward thinking? Do you pay your credit card bill on time and stay within your credit limit each month? And do you happen to spend most of your entertainment budget on books, movies, music, and eating out? If so, you may be the perfect candidate for the new Citi Forward card, which aims to help you make wise credit decisions by consistently rewarding your responsible financial behavior.