Much of the secret to finding a job is simply good timing. After all, no matter how impressive your resume may be, if there are no jobs at the time, you’ll probably be out of luck. Fortunately, it’s easier than you might think to figure out when companies will be looking for candidates and when they won’t be.

How to keep your financial foibles from costing you big bucks.

Small mistake: You overlook old library fines or parking tickets.