Perspective: WIS editorial on smart money tips

In today's economy, most of us need to stretch our dollars and make smart purchases. You've heard the phrase "necessity is the mother of invention," and  perhaps that's what is stimulating the creation of websites devoted to helping us manage and spend our money wisely. helps you figure out how to save on your monthly bills by matching your zip code to the best cell phone plan, gas prices and credit card rates in your area. BillShrink's Peter Pham says "you don't have to change your usage behavior," you just have to look for better options. A good cell phone plan, for example, can match your usage to the most economical option available from your provider.

There's even a website devoted to the Twitter and Facebook generation. is interactive and communicates sophisticated financial information with on-demand videos and online planning tools. The operative strategy? Whether you are just starting out or starting over, you need to learn to make the most of your money.

Stay tuned for more tips on how to survive and thrive in '09 on WIS News 10. That's my perspective. Let me know what you think.