Saving

We have our tax refund and I would like to pay these three utilitie bills for a year and also our car insurance. Hopefully this will allow us to have more money on a monthly basis to put in savings.

A friend of mine was told by his tax advisor to convert his IRA to a Roth IRA, but I am not sure why…what is different and better about a Roth IRA? Is it better for everyone, or just certain types of people?

Are there any differences in terms of how I should invest my money in a regular brokerage account versus my IRA? Are there certain type of investments that are better suited? Thoughts please!

For this reason or another, at the end of the month, I always seem to have spent my entire paycheck. What are some tips to help me get better at putting money away?

Looking for recommendations for a good online savings bond calculator, please let me know!

We recently got married and still have seperate accounts. It is also hard to keep track of expenses. I am not a control freak, but I would like to get a better sense for our spending and also start saving. There are a lot of changes as a newlywed and your financial advice is appreciated!