Auditing your expenses and negotiating with lenders and service providers will help you hold on to more money.

“I feel like such an idiot.” It’s something I’ve said more than once as I crumble in the face of a money mistake.

Here’s how to reenter the world of socializing and spending while keeping friendships and finances intact.

What’s your relationship with money? Maybe your personal finances are like a distant cousin you barely think about — or an unsettling stranger you avoid…