Tighten the belt in 2011: May 16

Here's a way to become a smarter spender:

Know thyself: If you're a born spender who needs to save money, you need to put savings programs on autopilot. Contribute to a 401(k) at work or set up direct debits from your checking account to a savings or investment account. That gets the money out of your hands before you can spend it.

Ultimately, the idea isn't to change your money personality but to thrive with the one you have.