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100 Inspiring Personal Finance Posts for the New Year


Pledge to revamp your finances this year instead of wasting money on a gym membership you’ll never use or pretending to plan out a half-hearted project to clean out your attic. If you want to get out of debt, build wealth and set up proactive savings accounts, you’re going to need to spend some time on your financial education. A good place to start is the Internet, and we’ve compiled a list of 100 of the most inspiring and informative blog posts that can teach you all about budgeting, saving, investing, and managing your money.

Organization

These posts introduce you to different ways you can organize your money so that it’s easier to budget, invest and save.

  1. Personal Financial Planning for the Next Year: 10 Best Money Moves: Mr. Credit Card shares 10 easy ways to cut costs at the first of the year.
  2. My 4 Favorite Pieces of Financial Advice E-V-E-R: The Budgets are Sexy blogger challenges readers to pump up their 401(k)s, track spending for three months, create an emergency fund, and pay off all bad debt.
  3. Reactive vs. Proactive Finances: This guest post on fivecentnickel.com outlines the difference between short-term financial reactions and long-term proactive decisions.
  4. Where’s Your Financial Comfort Level?: Everyone’s financial comfort level — including how much they keep in their checking account — differs. Read this post for tips on evaluating yours.
  5. Simple Quick for Taking Stock of Your Financial Health: This post points to a PF quiz that’s good to take as you plan out your financial goals and evaluate debt, income and your budgets for the new year.
  6. New Year’s Financial Resolutions: Resolve to Take Baby Steps: This post will help you organize your PF New Year’s resolutions slowly but surely.
  7. Watch Your Progress — But Make it Fun: Organizing your finances always seems like a good idea but can get overwhelming — or boring — pretty fast. This post should inspire you to stick with it.
  8. The Best Way to Avoid the Worst Financial Problems: This post shares advice for preserving the cost structure of your lifestyle.
  9. Five Things To Focus On In Your 20s: This guide isn’t just for people in their 20s: it’s a helpful post for anyone who’s new to investing and saving.
  10. Questions to Ask Your Financial Planner: Before hiring a financial planner this year, ask him or her these 10 questions to make sure the deal is legitimate and mutually beneficial.

Smart Budgeting and Money Management

Below, you’ll find tips to organize and manage your budget for the new year, including exploring ways to trim your budget and enjoy life on less.

  1. The Financial Snapshot: J. Money of Budgets are Sexy writes for fivecentnickel.com in this post, sharing a personal snapshot outlining debt, expenses and net worth.
  2. Strategies to Curb Lifestyle Inflation: This post will help you budget for your next raise.
  3. Plan Ahead Every Time You Spend: Before making any large purchases, plan ahead so that you can get the best deal and pay in cash if possible.
  4. Is Your Budget Doing Its Job?: Craig Ford writes a guide to setting up a customized budget that accurately reflects your priorities and your PF habits.
  5. Automating Your Finances is an Expensive Mistake: In this devil’s advocate post from Bargaineering, you’ll find out why automating your finances isn’t always a good strategy.
  6. The Basic Law of Frugality: This post tries to outline the difference between frugal living and waste as it helps you figure out what to do with your money.
  7. Take Care of Your Things: Pledge to take better care of your belongings and home this year to cut back on replacing or repairing them.
  8. 42 Ways to Radically Simplify Your Financial Life: Tips offered here include consolidate accounts, use cash, budget using last month’s income, and stop thinking monthly.
  9. Focus on Needs, Not Products: You should be budgeting for expenses to satisfy your needs, not your addiction to certain products.
  10. Controlling the Urge to Splurge: You may think that you deserve it, but splurging will do damage your long-term financial goals.
  11. Results of a Week Without Spending: This savings experiment allowed for groceries and budgeted expenses, but nothing else.
  12. It’s Been 35 Days Since I Last Spent Any Money on Junk: Let this post inspire you to save your money for things you actually need.
  13. 15 Surprising Places You Can Trim Your Budget: From bar tabs to electricity to pets to groceries, read explanations for how to trim your budget.

Economy

No one knows for sure what the next year will bring in terms of employment, the national debt, tax increases or new industry, but these posts try to help you prepare for whatever comes your way.

  1. U.S. Unemployment Rates Map and the History of the Recession: These maps track the U.S. recession from September 2007-June 2009.
  2. Newly Frugal Behavior is Permanent, Say Some Consumers: This post points to a Reuters article that reported U.S. consumers are spending less not just in the short-term, but in the long-term too.
  3. Are You Part of the Gig Economy? If Not, You Might Want to Start Thinking About it Now: This post analyzes how freelancers are making up a powerful part of the economy.
  4. Economic Growth is Up: Now What?: Use a chart graphing post World War II recessions to estimate what’s next for our current economy.

Credit Cards and Debt

Learn how to pick a credit card and keep yourself out of debt here.

  1. Credit Card Basics: How to Choose a Credit Card: This post was written for an "essential credit card skills" series and will help you choose the best credit card for your spending and saving habits.
  2. Get a Grip On Your Debt: How to Obtain a Clear, Concise Financial Snapshot: Learn how to chart your net worth, including assets and liabilities.
  3. Debt Tsunami: The Ultimate Method to Pay Off Debt: Consider how your emotions affect paying off debt and how the debt tsunami approach is most effective.
  4. Getting Out of Debt: Make That New Year’s Resolution Work: Consumerism Commentary encourages readers to replace bad habits and focus on financial freedom for the new year.
  5. Looking Deeper Into the New Credit Card Legislation: This post from late December 2009 examines the new Credit Card Act legislation, which will go into effect February 2010.
  6. Are Credit Cards Weapons of Mass Destruction: The Financial Samurai examines the explosive threats of the credit cards in his wallet.
  7. How to Botch Up, Then Peddle Back to Good Credit: This quick fix solution will also help you in the long term.
  8. 10 Tips to Help You Reduce Your Credit Card Debt: Tips here include figuring out which credit card you should pay off first.
  9. How I paid off $15,000 in 9 months by selling my "stuff" on eBay: You may not be able to sell $15,000 worth of your belongings, but this post can inspire you to downsize.
  10. Debt Consolidation Calculator: See How to Erase Debt Faster: If this is the year you pledge to get out of debt, read this post to find out how much you have to pay monthly.
  11. Relying Too Much on "Future You": This post should make you realize that your future self can’t be responsible for all the money you’re trying to spend now.

General Savings

Get used to the idea of saving little by little by reading these posts.

  1. How Fast Can You Adjust?: This post takes a look at emergency funds and challenges you to come up with a solution to sudden unemployment.
  2. What Would You Do With 3 Financial Do-Overs?: All of this blogger’s dream do-overs center around savings.
  3. 5 Easy Ways to Save in 2010: By saving paper, adjusting the thermostat and using coupons, you’ll be able to save all year.
  4. How to Save Money Without Thinking: Learn how to automate savings in this post.
  5. Smart Indulgences: How to Splurge Without Consequence: Smarty Pig teaches you how to splurge without paying extra interest or suffering from buyer’s remorse.
  6. Reaching Credit Card Nirvana: Start in hell and then work your way up to credit card nirvana when you follow this infographic.
  7. Can Saving Sink Us?: During the recession, U.S. consumers started spending less, but in order to keep the economy afloat, they should just alter the way they make bigger purchases.
  8. Your top tips on long-term savings motivation: FruGal readers share their best tips for setting savings goals.
  9. 25 Ways I Save Money: Million Dollar Journey’s FrugalTrader shares 25 easy ways to save money in the short- and long-term.
  10. How to Save BIG: Learn how to negotiate recurring expenses in order to save big.

Specific Savings

When it comes to retirement, your children’s college education or a new car, here are posts that share tips for specific savings accounts and plans.

  1. Bank Accounts: When More is More: This blogger has nearly 20 bank accounts used to store savings for medium-sized expenses like car repair and vacations, and he doesn’t waste money on fees.
  2. 10 Reasons to Get Off Your Butt and Start a Roth IRA: You’ll pay less in taxes and prepare for retirement, just to start.
  3. Retiring Early – Part 1 (The Expenses): Learn how to budget for your retirement by reading this blog.
  4. Common Questions About 529 Plans: If you want to save for college with a 529 plan, read this post.
  5. Retiring Early – Part 2 (The Income): This post should help you figure out to fund your retirement.
  6. Traditional IRA and Roth IRA Contribution Limits for 2010: Here you’ll learn about the IRS-imposed contribution limits for 2010.
  7. How I Retired Early: This guest post is written by someone who vowed to start saving seriously at a young age and was able to retire early.
  8. Is Your Emergency Fund Big Enough?: This post poses several questions you should ask yourself when evaluating your emergency fund.

Investing and Stocks

From Roth IRAs to the stock market, learn how to invest your money smarter this year.

  1. Best Online Stock Brokers for Cheap Stock Trades: The Digerati Life reviews the best online stock brokers that won’t drain your savings.
  2. 401(k) vs. IRA: Which is Better for Your Extra Money?: If you’re not sure which savings and investing account you should focus on, read this post.
  3. Don’t Over-Think Your Investments: This post will help you take a step back from the overwhelming investment options.
  4. An Argument for 401(k) Minimizing: This post addresses a less popular strategy for making bank off your 401(k).
  5. Where Dividend Stocks Fit in Your Portfolio: This post explains dividends and why some people invest in them.
  6. Best Ways to Invest Small Amounts of Money: Don’t think you have to be wealthy to invest: this post shows you how to make a profit off small amounts of savings.
  7. Keep Investing Simple: Taxable vs. Tax-Advantaged Investing: Know the difference between these two types of investing.
  8. How to Buy and Sell Shares on the Stock Market: This simple guide introduces the basics of buying and selling on the stock market.
  9. I Learned How to Invest by Learning How to Save: This blogger shares "the secret to buying stocks" here.
  10. What to Do With All Your Extra Money: This post outlines the different ways to save and invest.

Taxes

Get valuable tax information for 2010 in these posts.

  1. What is the Earned Income Tax Credit?: This post outlines the earned income tax credit for 2009, that you may be able to use when you file in 2010.
  2. 8 Tax Strategies to Consider Before 2010: You can follow these tax tips all year, any year.
  3. 2010 IRS Tax Brackets: Find out which estimated tax bracket you’re in based on income here.
  4. The Most Tax Friendly Cities in the United States: Anchorage, Cheyenne, Jacksonville, Las Vegas, and Honolulu are in the top 5 of 10 cities outlined here.

Assets and Wealth

You’ll discover how to build wealth and manage your assets in these posts.

  1. Buy Your Home the Right Way: Don’t buy a house because you think it’s the right thing to do: make sure you’re ready to settle down, meet with a trusted realtor, and buy one you can actually afford.
  2. Not All Cheap Houses are True Bargain Homes: If you plan to buy a cheap house and flip it for a profit, read this post first.
  3. 5 Rock Solid Tips for Building Wealth: Own your own home and pay off high interest debt are two tips offered here.
  4. Top 10 Wealth Building Ways of Ordinary People: This post examines wealth building habits of real estate investors, stock market traders, Internet gurus, startup founders, and more.
  5. The Road to Wealth is Paved with Goals: Read this story about goal setting and ambition, and their relation to wealth.
  6. 12 Tips to Build Wealth for Early Retirement: In this article, you’ll learn steps to help you retire comfortably.
  7. 7 Step Goal Setting System to Build Wealth: Here you’ll learn how to set goals to put you on the right track to building wealth.
  8. Ten Percent Rule to Build Wealth: This post discusses the 10% rule and why it’s important to keep progressing even when you think you’re almost done.
  9. Tips on asset management for individuals: Find out why it’s vital for you to keep such a close eye on all your assets.
  10. Why Married People are Richer: This post examines why married people are able to accumulate more wealth.

Salary and Income

Manage your income, negotiate your salary and explore new forms of income after reading these posts.

  1. Spend Less Than You Earn: This philosophy helps you eliminate debt and start saving.
  2. 7 Ways to Find Hidden Cash: From unclaimed property to expired savings bonds to frequent flier miles, you’ll be surprised at all the places you can find hidden money.
  3. Top payday money-saving tips: This post can help you make responsible decisions when it comes to taking savings from your paycheck.
  4. Get More Money Without a Second Job: Get creative with mortgage payments, utilities, rent and insurance to pad your income.
  5. Goal: Increase Income Per Hour of Work: Learn how to increase your hourly wage and decrease the time it takes you do complete your work.
  6. Top 10 Tips to Boost Your Salary: A Recruiter’s Blog shares 10 tips — including modernize your skills and become an indispensable expert — for negotiating a raise.
  7. Multiple Streams of Income – Truth Revealed: Learn all about planning for more than one stream of income here.
  8. Passive vs. Active Income: Are You Working for the Wrong Income?: Learn the difference between passive and active income here.
  9. 5 Stages of Financial Growth: This post tracks the 5 stages of financial growth, including streamlining your income and becoming your own boss.
  10. 8 Tips to Negotiate a Higher Starting Salary: This post encourages you to do your own research and evaluate your professional value when negotiating a job offer.

Finance Education

Get finance book reviews and other tips from these posts.

  1. I Saved $2.1 Million on Lunch: A Sit Down with Warren Buffett and Bill Gates: Get inspirational quotes from an interview with Warren Buffett and Bill Gates here.
  2. Building a Personal Finance Library: 25 of the Best Books About Money: This list of books points to literature about frugal living, investing, and more.
  3. Lessons Learned from Diet Books: How to Think Like a Rich Person: This clever post uses characteristics of people who are afraid to diet as an example of traits of people who don’t like to save.
  4. The Book of Virtues: Recession Edition: FruGal examines financial and personal virtues for the new recession, like "what doesn’t kill us makes us stronger."
  5. Five Foolproof Financial Strategies That Will Ensure You a Better 2010: Here you’ll get tips for holding onto your cash in 2010.
  6. Book Reivew: Beyond Paycheck to Paycheck � A Conversation About Income, Wealth, and the Steps in Between: This book may help you become a better financial planner for yourself.
  7. Money Advice from Benjamin Franklin’s Way to Wealth: Here are 39 principles that Benjamin Franklin recommended for building wealth over time.
  8. Financial Planning: Where to Get Financial Advice: This post will direct you to authoritative resources for organizing your finances and getting top quality advice.
  9. 26 Personal Finance Books – Ranked From Best to Worst: This post from 2007 ranks some of the best finance books for individuals.
  10. Tips for Increasing Your Financial Literacy: Here you’ll read tips like "learn about one topic at a time" and "read financial news" that will turn you into a capable PF manager.


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