"Spend less, save more." That's always an important goal, but next year, with interest rates inching up, it's more important than it has been in a while. Liz Weston, who literally wrote the book on how to get your credit score into tip-top shape, is here to help us do just that. We also discuss how to hire a financial planner and how to maximize your Social Security. In Mailbag, we talk negotiating a tax payment plan with the IRS.