A recent study shows that moving 1 percent of your food dollar to local farms and farmers’ markets would increase farmers’ income by 5 percent.

The number one cause of bank overdraft is due to the use of debit cards. Even if an account has insufficient funds most banks will not deny a debit card purchase or use of ATM, but will charge an overdraft fee.

Many families who qualify for the Earned Income Tax Credit can get that money in each paycheck during the year instead of waiting for a tax refund. Talk to your employer to see if you qualify and submit a W-5 form.

Federal law limits your liability for unauthorized credit charges to $50 per card with proper notification to your card issuer. Credit card loss protection insurance is an unnecessary fee.