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Some landlords have eased their credit standards to allow people with credit blemishes from foreclosures to rent apartments -- a practice that was largely taboo in the past. Justin Sullivan/Getty Images hide caption

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Justin Sullivan/Getty Images

A "bank owned" sign is posted in front  of a foreclosed home in Miami. Borrowers trying to rebuild their lives after foreclosure say there's a stigma attached to having a low credit score. Joe Raedle/Getty Images hide caption

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Joe Raedle/Getty Images

Anyone looking to tighten their budget could begin by cutting their costs at the supermarket, says Janet Bodnar of Kiplinger's Personal Finance.. William Thomas Cain/Getty Images hide caption

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William Thomas Cain/Getty Images