Today’s top story: 3 keys to budgeting as a freelancer. Also in the news: What you can learn about saving from a former big spender, why small business owners should offer pension plans, and what you need to know about credit cards when you travel abroad.

3 Keys to Budgeting as a Freelancer
Keeping a steady budget without steady income.

What You Can Learn About Saving From a Former Big Spender
Tips on what NOT to do.

Why Small-Business Owners Should Offer Pension Plans
Battling the retirement savings crisis.

What you need to know about credit cards when you travel abroad
Watch out for fees.