Paying for college is such a complex issue. LearnVest helps simplify it by answering some key questions in regard to paying tuition.

If you believe everything you read, then you might think you need to be a Rockefeller to have kids.

That, of course, isn't the case.

Yes, kids are expensive, and thinking about paying for a college education can be scary and frustrating . . . but that's where we come in.

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As with everything else in life, figuring out what to do about your kid's college savings is all about the planning, says Stephany Kirkpatrick, CFP, LearnVest's director of financial planning. Depending on where you are in life right now and how old your kids are, you may have questions about how to set up a 529 plan (which is an education savings plan designed to help families set aside funds for future college costs), what to look for, and when to start saving.

• If you're pregnant or have a newborn and are starting to think about this, then good for you! The earlier you get started socking away cash for their college, the easier it will be. You'll learn a lot in this article, but you should also check out our Baby on Board Bootcamp, which will tell you everything you need to know — financially — to be ready for a baby. It includes 529 advice, as well as financial tips on everything from putting together a will and picking out a life insurance policy to buying nursery basics.
• If your kid is slightly older and you’ve done your research but haven’t yet started saving in a 529 plan, then first read the four mistakes to avoid when choosing a 529 plan, and then check out the different college savings plans available to you.
• If this is the first you’re thinking about it, no matter your kid's ageI, then don't worry about it. You have to start somewhere!

Read on for more.

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Go the extra mile with your food budget with these tips from LearnVest.

For years, many people — my husband, mom, sister and even my son — told me to stop wasting so much food.

Throwing away half a piece of chicken here or a handful of grapes there never seemed like such a big deal to me. If I was full or no longer in the mood for that particular food, then I had no problem tossing it.

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That is, until I experienced a bad case of sticker shock during a recent trip to the supermarket. The cost of bread, eggs, fish — basically everything I was purchasing — had increased. And, according to the USDA, we can expect prices to rise even higher this year.

As I forked over my money and left with only a handful of bags, I realized just how important it is for me to pay more attention to what I spend on food . . . and to confront how much of it I shove down the garbage disposal.

Unfortunately, I'm not the only one with wasteful ways. In 2010, 33 million tons of food was thrown away, according to the US Environmental Protection Agency. Obviously, wasted food means wasted money, but figuring out how to make your grocery budget go further can be a challenge.

To keep more food in your fridge (and more money in your pocket), try these expert tips.

1. Ward Against Freezer Burn

Those large bags or packages of frozen veggies or meat come in handy when you have a large family, but "each time you open a bag of frozen food, air gets in and will cause freezer burn within two to three weeks," says consumer saving expert Andrea Woroch. Freezer burn will dry out the meat and make it less tasty. Woroch suggests going small.

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You may be wasting money when you think you're saving. LearnVest shares eight of the biggest money misconceptions.

Frugalista. Recessionista. In the past few years, people have coined a lot of silly words describing women and their approach to money, but the thought behind each of them is the same: You care about your hard-earned dollars and want to make them stretch.

RELATED: What NOT to Keep In Your Wallet

That's true of most of us: We scrimp, we pinch, we try to feed our proverbial piggy bank as much as possible. Yet sometimes, in our excitement to be financial overachievers, we overreach.

It turns out there are a number of things that sound like they'd be doing good things for your money, and make you feel like you're saving more . . . when, actually, they're having the opposite effect.

Paying Every Debt Equally

When you have multiple debts to pay off (a credit card here, a student loan there) you might feel like a rock star simply for keeping up with them all and dividing your attention in a lot of different directions. Which, in a sense, you are! After all, you should always pay at least the minimums on all your loans.

But, if you have extra money to pay down your debts, you’re doing yourself a disservice by dividing it equally. The debts with the highest interest rates grow the fastest, so you should focus your muscle on the most toxic debts first.

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Will using a travel agent help you save money for your upcoming trip? LearnVest has the answer.

Are travel agents back?

This question, posed by The New York Times, got us thinking. According to the piece, nearly one in three leisure travel agencies is hiring, and in 2011 travel agencies experienced a second consecutive year of growth; in fact, their bookings accounted for a third of the $284 billion US travel market.

RELATED: 10 Ways Travel Can Help You Get a Job

Silly us, we thought travel agents had become passé.

But if the travel agent business is thriving, we started wondering — is there something to this? Could using an old-school travel agent actually save us money on travel?

To find out, we consulted Barbara Vong, a travel agent with Wright Travel Agency, the 2011 winner of the Best of the Best Globe Award from Travel Impressions.

Globe Award From Travel Impressions.

The first thing we learned? Travel agents usually don't charge customers for their services! Their payment actually comes through the hotels and wholesalers, meaning that we can simply tap into a free service. That also means using a travel agent should never be more expensive than booking by yourself online . . . and these are experts well-versed in where to find the best deals.

Of course, booking your flights in 30 seconds with a few clicks sounds a lot easier than playing phone tag with a live person, so it pays to know when a travel agent can help the most, and when you might as well DIY it. Vong let us in on the best times to call an agent, and some money-saving travel tips she's picked up in her line of work:

Use a Travel Agent If . . .

You're Traveling With a Group

For group bookings that involve coordinating travel for multiple people, it's always easier to use a travel agent, says Vong. “I just had a bride call me because one of the groomsmen booked his own trip through a discount travel site, and he wanted to add someone to the room,” says Vong. "The customer service representative from the travel site he used told him they couldn't do it, but they were probably just being lazy. This is a great example of when you’d rather hand the responsibility of changing that booking to a travel agent, rather than trying to fix it on your own."

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We all make mistakes — we're all human after all. LearnVest shares some of the common money mistakes that women often make so readers will learn not to make them, too.

Some of us handle our money flawlessly, perfectly, brilliantly, all of the time.

But most of us don't.

Most of us make mistakes here and there. We make some mistakes more than others, because of our personalities, or our upbringing . . . or sometimes even our gender.

It's ridiculous, but true.

We've heard it firsthand — from our readers. In fact, we went through hundreds of reader submissions and found examples of the most common stories that cross our desks every day.

Let's be clear: Not all women make these mistakes. Not all men avoid them. But in our experience, these are a few female financial problem areas that can lead to major debt and lots of stress.

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Ever bailed out an ex? Indulged in a little more retail therapy than you meant to? Or woken up one day and realized you didn't know as much as you thought you did about managing your money? You just might recognize yourself.

Of course, if you don't, good for you. We're just saying, bad money snafus happen to good people. But read on: We'll show you the top seven mistakes women make — and what to do instead.

Feeling Guilty

"When we were together, I let my ex stay with me rent-free until he found an apartment, lent him my furniture and paid for every date because I had a job and he didn't. When I lost my job, he paid for my rent for a few months and bills, etc. Now that we're broken up, he wants me to pay him back for the rent he insisted on covering. I am still on unemployment and barely getting by. I feel so guilty because we didn't end up as the forever couple and while I can't (nor would I . . . ) calculate all of my assistance getting him settled in NYC, he can quite easily."

A 2011 study from Eversave.com found that 67% of women have felt guilt about a purchase. But that's not the only opportunity for guilt: There's also staying in a job you feel guilty about abandoning, giving someone money because you feel guilty about their situation and, oh, doing the opposite of what you want when it comes to working after having children because you feel guilty about being a good mom (more on that here).

This guilt effect might not be limited to finances, either. Some studies suggest that women are more inclined than men to feel any kind of guilt. And we'd argue, more likely to bail out their exes, too.

Read on for more.

The magic number for happiness is apparently $50,000. LearnVest tells us more about it.

Good news! Apparently, happiness is on sale for the new, low price of $50,000.

Nope, we’re not talking about private trips to outer space, or even tuition for an Ivy League college. Apparently, all you need to be happy is $50,000 in yearly income.

RELATED: Exercise Can Help Your Finances: The Psychology

That’s the finding of a recent poll by the Marist Institute for Public Opinion, which saw big differences in almost all facets of happiness between those who earn less than $50,000 and those who earn more.

Call it the happiness tipping point, if you will.

Respondents to the poll who made more than $50,000 were more satisfied with their lives concerning factors ranging from friends, to health, to how they spent their time. Unlike getting a raise from $35,000 to $40,000, or even $60,000 to $65,000, “$50,000 is the mark where you start to see significant differences,” researcher Susan McCulloch told LearnVest.

Happiness: Now 33% Off!

Depending on your own situation, $50,000 might sound like a lot. But this is actually a steep discount from what studies previously cited as the golden number: $75,000. A 2010 study from Princeton University’s Woodrow Wilson School found that, up to $75,000, each boost in income increased participants’ happiness. But after that, bringing home more income ceased to matter in their overall life satisfaction.

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Ever want to read your interviewer's mind? LearnVest shares a couple of secrets hiring managers don't want you to know.

The next time you walk into an interview, consider the following:

Your wedding or engagement ring? Can and may be used against you.

Those photos of kids on a hiring manager's desk? They may not actually be the manager's children — but the photo is designed to get you talking about your kids or whether you plan to have some eventually.

And then there's the trick that can land some applicants $20,000 more when they start negotiating their salary.

In fact, LearnVest got the inside scoop from hiring managers across the country. Many spoke on the condition of anonymity because their methods were so controversial — and not what you'd find in any company manual.

New research out of the United States Census Bureau shows that women still earn less than their male counterparts at every education level. Although women are outearning men in terms of college degrees and doctorates, our wages aren't keeping up. In fact, the gap only worsens at higher levels of education.

RELATED: The 10 Fastest-Growing Jobs

But armed with this insider knowledge — straight from the mouths of those who hire you — you can help improve both these statistics and your bottom line.

I leave pictures of kids on my desk. They’re not even my kids.

Legally, hiring managers aren’t allowed to ask if you have kids, just as they’re not supposed to discriminate against you on the hunch that your child might occasionally have a soccer game. But we spoke to one hiring manager who leaves pictures of her niece and nephew to find out (legally) who has kids. “I’m not allowed to ask about family situations, but if they bring it up, it’s fair game. Kids are a distraction to this job, which requires long hours and weekends. I won’t hire someone who has other priorities.”

How to handle this: it’s very easy to get nervous and resort to small talk. (“Oh, are those your kids? How old? Mine are 6 and 10 . . . ”) Commenting on kids’ photos is easy bait, especially if you’re a parent yourself, but avoid it if you can. Talk about the weather or find something to compliment your interviewer on instead.

I check for wedding bands.

One hiring manager told us: “This is an entry-level job, and the people we hire are usually fresh out of college. If I see a wedding band, there’s a good probability that candidate is going to start a family soon. If I hire her and she goes on maternity leave, I can’t legally fire her, but I still have to find someone else to replace her while she’s gone. When she comes back, I can’t fire her either, so now I’m stuck with two employees when all I needed was one. No thanks.”

This one is an easy fix: leave your wedding ring at home. You're not obligated to share any information about your relationship status, so try to avoid doing so.

Read on for more.

People often say that you make your own luck, but how do you make your own career luck and get the job of your dreams? LearnVest shares how you can do so.

You sit next to someone on an airplane who later helps you land your dream job.

Your dentist’s daughter is a book editor, and wouldn’t you know it, she’d just love to publish your memoir.

You have a role model in your industry, and your roommate’s fiancé just so happens to be her best friend.

OK, chance doesn’t always work out as we might wish . . . but a few travel apps, a weak economy, and plenty of gumption got us thinking.

RELATED: What It’s Really Like to Be 20-Something Today

Cajoling Lady Luck may be easier than ever, with new services like Planely, a Danish start-up, and Satisfly, a Hong Kong-based start-up. Both apps connect passengers before their flights, so they can see the Facebook profiles of fellow travelers and choose seats by people they’d like to meet. Airlines like Dutch carrier KLM and Malaysia Airlines are getting in on the act with similar services of their own. Sharing and viewing this social media info is, of course, optional all around.

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Money clubs are a great and fun way to stay on top of your finances. With friends supporting you, you can conquer the world and money issues! LearnVest shares how you can start one.

Thea, 31, a lawyer, lives in Brooklyn, NY. Although her friends are, in her own words, “bright, savvy, awesome women,” many felt lost financially — much like she did. “In fact, almost all of them knew someone else who was in the same financially adrift boat,” she says.

That’s when she got the idea to start a money group.

“The first meeting was held in my studio apartment in Brooklyn,” she told LearnVest. She served pizza and Diet Coke as the group of women took turns airing their money issues and goals.

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The women’s issues ranged from needing to pay down credit card debt after an amazing wedding to wondering how to invest in a 403(b) retirement account that she’d left empty for years. “We left that meeting,” she says, “with the same sense of empowerment we often feel in other areas of our lives, but that was usually missing when it came to our financial life.”

Although the women are still working through their money issues and goals, it is, as Thea puts it, “easier to take a journey with a group of amazing friends.”

Are Money Clubs the New Book Clubs?

There’s a reason Thea’s personal experience was so meaningful. Just like book clubs or wine clubs — or book clubs that double as wine clubs — money clubs are groups in which you can learn interesting stuff, discuss it, and get support from like-minded friends. And maybe even add alcohol to put people at ease.

In fact, while they’re now becoming popular again, money clubs have actually been around for a long time. Many groups of women in cities across the US meet up informally, but Candace Bahr, founder of the Women’s Institute For Financial Education, or WIFE, formalized the money club concept, creating the organization’s trademarked version back in 2004.

Read on for more.