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Spend and save.

The best of the web on money, markets and all things financial, as chosen daily by Globe and Mail personal finance columnist Rob Carrick.

Take the 1 per cent challenge
An investment adviser proposes a simple and practical way for people to find money to boost their savings – cut expenses by 1 per cent.

The least popular PIN
It's 8068. The most popular? 1234, 1111 and 0000.

People who live without credit cards
It can be done, though I'm not sure many people would want to live the necessarily no-frills lifestyle.

Searching for search engines
One of the most useful things you can do on the Internet is research financial topics. But which search engine do you use? Google is great, but a new upstart claims it provides better results. It's called MillionShort and it has created this website to lure users. It provides a search comparison with Google along the lines of the Coke-Pepsi challenge of years gone by.

More money
Join the 16,000+ people who subscribe to my Facebook personal finance community for talk about investing, retirement, real estate, banking and other financial matters. I'm also on Twitter