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The latest trend in the insurance business is to offer lower premiums for auto insurance in exchange for letting an insurer spy on you. Insurers install a device in your car known as an automotive black box. It records information about an accident and is used to determine what happened in car crashes. In addition, it records how you drive and where you drive. And your insurance rates move up or down, depending on how you drive. According to Progressive Insurance, the boxes are currently recording how fast you drive and what time of day you drive. About 4,800 people have offered to have these spies in their car in order to get cheaper insurance. They’re saving about 12 percent on average, which doesn’t seem like much to Clark. But he would love to sign up! If he’s driving badly, he’d like to know it. And he wouldn’t mind getting a discount on his insurance in the process. Progressive hopes they’ll be able to do this nationwide eventually. And Clark is all for it, as long as it’s voluntary.

It’s a great time of year to teach your kids about money. Why? It’s “Back to School” time. Kids want all kinds of things when going back to school, and figuring out needs vs. wants is key. That’s why coming up with a budget is the way to go. The good news is that total back-to-school spending will be down 10 percent this year, according to the retail industry. You’ll save even more if you wait until after school starts, when retailers have marked down items to get them off the shelves. Not to mention the fact that you’ll buy what your kids need, not what they want.