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Scotch, Allison. "Cash-Flow Control." Financiallit.org. Institute for Financial Literacy, 15 July 2005. Web. 3 Nov. 2010. Website with several articles regarding topic. The article for this topic is entitled: "Cash-Flow Control." This can easily be found by going to the URL above and clicking on research and articles. It is the third of four articles. The article that I have chosen to use regards how to spend your money wisely. In short, the article's main purpose is to show people smart spending habits, and how to save yourself from unnecessary purchases. It is the author's goal in this article to show the reader to shop and buy smarter. Many ideas are given to save money. First, the author, Allison Scotch, says to not be fooled by sales. We should also avoid spending too much on our pets, over-shopping at the market, paying late fees, overpaying taxes, being careless with loose change, and eating out for dinner. All of these categories, when managed wisely will reduce your fees and leave you with more money in your pocket.

Chien-Wen, Lai. "How Financial Attitudes and Practices Influence the Impulsive Buying Behavior of College and University Students." Social Behavior & Personality: An International Journal 38.3 (2010): 373-380. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. This article shows certain indications, or in other words tell tale signs that many people who have problems with financial spending hold in common. The article has tables that show results on whether or not students had plans on how to spend their money, if they actually kept track of their money, and why they spent their money. The main point of the article was the difference between compulsive, and pre-determined purchases of college students. I also thought that this article would be good because the field work was done on international students. This shows that financial literacy is just not a problem amongst college students in the states. This problem is occurring all over the world and this article shows that.