Today, most of us are taking better care of our health. We’re more active, get more Vitamin D, and stress a little less. As for our finances, sometimes these feel-good vibes — including summer vacations — cause us to amp up our spending. If your wallet is starting to sweat (like ours), then Ashley Feinstein Gerstley, author of The 30-Day Money Cleanse, is here to whip your finances back into shape. We also have a candid discussion on the divisive latte — you don’t want to miss it. In Mailbag, is it smarter to pay additional money toward the principal on a home mortgage, or to invest that money in an index fund? Plus: In case you hadn’t heard, there’s lots of good news for borrowers on the horizon — fixed mortgage rates and interest on federal student loans are heading down. We discuss.