Gas prices are catching a break in the action, baby. The newsboys say fuel prices have fallen 24 cents a gallon in the past two weeks. That'll put a smile on the faces of most joes and jills. It's good news, but here's the most important part to remember ... make the most of it. You've been budgeting nearly three bucks a gallon for several months, but now prices are starting to drop. Find something good to do with the spare change. Don't give yourself a raise just yet ... keep deep-sixing your debt and saving the dough.

It may just be a few dollars more a month that you've got now, but make it count. Put it to debt, savings, or whatever helps you. But watch out that you don't give yourself a big lifestyle raise, jack. That's what Dave Ramsey would say to do ... keep being smart with money, and you'll get ahead.