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When hard times hit, small business owners from dog groomers to hairdressers can find the going tough as consumers start rethinking discretionary spending.

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

How much to tip everyone
Useful info at this time of the year.

Lies investors tell themselves
A nice collection of ways investors fool themselves. Well worth reading, even if you think you're an investing pro.

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Investing writer Jason Zweig put together this very funny "devil's dictionary" of investing terms.

It costs nothing to ask
Examples of how it never hurts to pay less for things, or to have those annoying little fees removed on your bills.

More Money
Join the 49,000+ people who subscribe to my Facebook personal finance community for talk about investing, retirement, real estate, banking and other financial matters.

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Welcome to The Globe and Mail’s comment community. This is a space where subscribers can engage with each other and Globe staff. Non-subscribers can read and sort comments but will not be able to engage with them in any way. Click here to subscribe.

If you would like to write a letter to the editor, please forward it to letters@globeandmail.com. Readers can also interact with The Globe on Facebook and Twitter .

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