Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

At first blush, investing may seem inaccessible and confusing — especially for beginners. But it’s a fairly simple concept. Here’s the gist: Investors (like you) buy a piece of a company or lend money ...

Frugal living for total beginners does not have to mean deprivation; it simply means paying closer attention to where every dollar goes so you can spend less and live more intentionally. By focusing ...