How many of us can say we save enough money for our families to be secure? Whether we’re saving for retirement, to buy a home, an emergency fund, that fun tropical vacation or an incredible pair of shoes, it’s a practice that will serve us all well in the long run. Reducing our levels of personal debt is also a form of saving money, so pay off those credit cards, folks!

You’ve probably heard in the news that in the U.S. the personal saving rate is at an all time low. Despite increasing levels of wealth, Americans still save less than 1% of disposable income. That can all change during America Saves Week, February 24-March 2, if we each commit to set a goal to save or reduce personal debt levels.

America Saves encourages individuals to set a goal to save money or reduce debt and then make a plan to reach it. If you have a local group in your area you can join with other savers to start a savings club or take money management classes. During America Saves Week, you can order a free package of publications about saving and investing from USA.gov’s Money and Taxes page so be sure to check it out.

Good luck saving (or paying off your credit cards)!

I couldn't make out the words from the next room, but the tone of my coworker Arlene's voice on my answering machine sounded pretty urgent. I rewound and listened:

"Girl, you HAVE to blog about this. I was in the store today and was thinking about expiration dates on food. There's the 'sell by' date. The 'use by' date. And the plain old expiration date. HOW CONFUSING!"

I'm with ya, Arlene. Apart from giving everything the sniff test before venturing a sip or a nibble, how do you know what's truly out of date and what's ok? This calls for some definitions.

Sell by/pull by date: This is the date that stores pay attention to. If an item hasn't sold by this date, they're supposed to pull it from the shelves. Don't be afraid to buy something on or right before its 'sell by' date; it'll still be good for a while if it's stored properly. How long? That depends on the item. More on that in a minute.

Best if used before/by: Until this date, your food's guaranteed to be at peak freshness if it's been properly stored. After that date, it'll still be safe to consume for a while but the quality won't be as high. So your OJ won't have that "fresh-squeezed taste" anymore. And if you've ever taken a swig of diet soda after the 'best by' date stamped on the bottle, you're familiar with the unmistakable taste of decomposing artificial sweetener. Yum.

Expiration date: This is your food's last hurrah. If you haven't consumed it by this date, toss it. It could make you sick if you try eating or drinking it.

Ok, now how long can you safely keep eating those foods beyond their 'sell by' and 'best by' dates? Got a couple charts for you:

The Cold Storage chart covers eggs and meat and the Foods Purchased Refrigerated chart covers juice, milk-based dairy products, fish and canned goods. Since most food dating is optional—only baby food and formula are required by federal regulations to have "use by" dates—consider printing out those charts and keeping them handy in your kitchen or pantry.

I did a quick tour of my fridge using the charts, and came across a carton of yogurt that I should have eaten last fall. Oops! What's the oldiest-moldiest thing you've ever found in your fridge at home or at work?

Valentine's Day has a bad rep. for a reason. And despite my best efforts to remain positive this year, the day is now permanently tainted.

Being uncharacteristically nice, I ordered my mom flowers. I specifically indicated that they were being delivered to her office, and paid a few extra bucks to ensure they would be delivered ON Valentine's Day.

By 2:30 p.m. I'd yet to receive a jubilant phone call from Mom. I decided to consult my older, wiser, and much more reliable sister to get her thoughts. She let me know that Mom hadn't mentioned anything to her either, and that I better call the florist.

3 phone calls to the florist later, I was assured the flowers were en route, and due to arrive at Mom's office within 15 minutes. A half hour later (and around the time my mom leaves work) I had to bite the bullet and see if they'd arrived yet.

No dice. I spoiled the surprise by asking if any flowers had come from me that day. I spilled the whole story—Mom decided to take matters into her own hands and call the florist herself. While my Mom was taking care of business (and trust me, you do NOT want to mess with my mother) I called my sister to fill her in on the saga.

"Well, from what you're telling me, it sounds like you didn't get the flowers I sent to you, either."

Double whammy.

My poor sister had spent a good deal of the afternoon trying to contact the customer service representative at the nationally-known flower delivery service she'd paid good money to get my flowers. Turns out, they'd TURNED OFF their customer service lines due to high volumes of calls, on what they are well aware of being their busiest day of the year!

Ticked off and bitter I send both my mom and sister the online link to consumeraction.gov's sample complaint e-mail. It provides a template to be sure you include all necessary info, like:

• Date of conflict
• What happened
• The action you want taken (money back, exchange, repair...)
• Your contact information

After making our grievances known, we were both (rightfully) refunded our money—but I'm still not sure if that makes up for missing out on what was intended to be a heartfelt surprise.

Cupid better get his act together.

Last week I injured my back (again) shoveling the snow. When will it end? It seems like these injuries only make me intent on spending more time with my face in the garden catalogs. I’ve already selected 5 different types of sunflowers and still need some more—perhaps a Jerusalem artichoke? You see, I like some diversity in my garden. I don’t design with great architectural precision in mind; I like to see lush diversity.

To that end, I stay away from the seed packets found in most stores. I don’t like the commercial hybrids because I think they’re overbred to make them bigger or prettier or pesticide resistant. I like heirloom seeds. I think plants are really just fine the way mother nature made them. It’s been my experience that heirloom seeds are vigorous, taste wonderful and will often go to seed and come back as volunteers next year. I really don’t even have to buy tomato plants any more—they just spring up!

I’m always on the lookout for interesting varieties and I was happy to see that the Department of Agriculture offers a list of sources for all types of plants and seeds. What’s your favorite garden catalog? I’ve got lots of work to do this summer!

If you turned on the TV or radio, read the paper, and/or surfed the net this weekend, you were probably exposed to ads for President's Day Weekend sales. President's Day has become the common name for today, the holiday the federal government designates as Washington's Birthday but isn't his actual birthday.

George Washington's actual birthday is February 22nd, and it was a federal holiday from 1879 until Congress passed the Uniform Monday Holiday Act to "bring substantial benefits to both the spiritual and economic life of the Nation." This law designated Washington's Birthday be celebrated on the third Monday of February starting in 1971.

There are various reasons that President's Day is becoming the preferred term for Washington's Birthday. Some have said that early drafts of the bill aimed to recognize Lincoln and other presidents on the holiday, but it never made it into law. States do not have to follow federal holidays, but many do recognize the holiday as "President's Day." The term has also been popularized by retail promotions this time of year (we have free publication offers year round, by the way).

Many Americans still celebrate the holiday as if it's George Washington's birthday with parades and other fanfare like the reading Washington's farewell address in Congress. You may wonder what General Washington would have thought of his birthday being recognized on a different date, and he probably would tell you it's not the first time.

Washington's birthday date changed in his lifetime when Great Britain and all of its colonies switched from the Julian to the Gregorian calendar in 1752. Not only did the date change of February 11 become the 22nd, but so did the year from 1732 to 1733.