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We’ve been intently following a few of the personal finance gurus over the last month in an attempt to not only gauge the current state of the economy, but also to find a common ground of advice that we all should take into consideration when deciding to spend, invest or save. After comparing the rantings and recommendations of several different “experts,” it’s no wonder that people are so confused and uncertain what to do or not do.

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Penny Ray

Penny Ray is President and COO of BallersOnBudgets.com. He also writes freelance for multiple online and print publications on the topic of personal finance. In 2010 he was selected as a Savings.com DealPro.

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