General

Starting The New Year Off Right

Well, it’s 2012 finally. The planets are aligning in a way that will disrupt the electromagnetic orientation of the Earth and destroy life as we know it. At least that’s what the Mayans predicted when they ended their vaunted calendar later this year. But one thing the Mayans didn’t have insight into is your financial status this fall. There is no calendar for that because it’s a constantly fluctuating variable. The Mayans also didn’t have insurance quotes, title loans, low interest credit cards, or any other relevant financial advice. So, to pick up the slack, here are some personal finance tips to help you start the new year off right:

Get started with your taxes now, while you’re sane. They’re coming, as assuredly as death. The Taxman lurks around the corner this time of year, waiting for his spring offensive. If you know you’ve got your work cut out for you fending off the IRS, you should get started now. Not only will you spare yourself the cost of hiring a professional tax filing service, you’re more likely to get money back off remembered deductions.

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General

Time Or Money – Which Is Your Priority?

I used to be the type of person who would go to great lengths to save a buck, regardless of how much time it would take me to do it.  I wouldn’t think twice about spending a half hour to save a few dollars.  But now I have come to realize that time is of much more value to me than money is.  There is plenty of money floating around out there that is there for the taking, but my time is limited.

So, rather than spending my precious free time scampering around trying to save a few dollars by buying my groceries at four different places, I have decided to choose one store to shop at, even if I may not get the best deals on everything at that one store.  Rather than spending three to four hours worth of time buying groceries by shopping at so many locations, I have been able to cut down my shopping to an hour or less every two weeks.  Changing my shopping habits has saved me a tremendous amount of free time.

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Budgeting

How Much Time Do You Spend On Your Personal Finances?

Unless you are one of those people lucky enough to have an amazing advisor who keep you accountable and on track, you are probably like most of us who spend a minimal amount of time actually thinking about and planning strategies for personal finance.

I heard the other day that we spend approximately 20 hours a year planning for our vacations and just one or two hours a year on taking care of our personal finances!  Does that shock you?  It definitely shocked me.

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Shopping

5 Reasons Not To Use Coupons For Groceries

1. They take way too long to collect.  I can think of many other things I would rather spend my time doing than clipping coupons.  Whether you enjoy it or not, think of all the time you are spending looking for just the right deals.  If you are a coupon clipper, I would recommend that you pay attention to how much time you spend each day/week gathering your coupons.  Make sure the savings is worth your time.

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Money Saving Tips

How To Be A Smart Blogger And Save Money On Books – Use A Kindle

Last month, I bought a kindle.  Although my only desire at the time was to have a portable library to carry with me on planes, trains, and (the passenger seat of) automobiles, I soon discovered that my Kindle gives me access to hundreds of free books.  Far from being a mere convenience, the availability of so many free books means that, for the price of a Kindle, anyone can become the smartest blogger in the room, with money to spare.

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