This week we interview Lynn, founder of WiseBread.com, one of the most helpful personal finance blogs on the Internet.

PJ: Why do so many find it hard to save money?

Lynn: Because we don't really have to. Credit cards are used for emergency funds, non-essential purchases, and convenience. It's not so convenient when the bill comes, though. And what makes it worse? You only need to pay a fraction of what you owe.