In today's world of rising costs and shrinking paychecks, consumers need all the help they can get. Smart Spending combines the best money-saving tips from around the MSN Money site and the rest of the Web.

Donna Freedman is a student, freelance writer, baby sitter and handywoman in Washington state. Learn more about her in this video. She also moderates a forum for savings tips on the MSN Money Smart Spending message board.

Renting vs. buying: Key issues to consider

Homeownership is the American dream, but it may not be right for everyone. Here are seven factors to consider before you decide to tear up that lease. The seventh is instability in many housing markets.

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