Yakezie Carnival of Personal Finance: ‘new beginnings’ edition

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Yes, it is January.

Many people are charting the rest of their lives.

Many people dream, plan and strategise about new beginnings: in money management, personal development and relationships.

If you are one of those and need some help along the way – or simply need to share in the experience of someone else – here is a large resource of blog articles.

Enjoy!

Brent @ PersonalFinance-Tips writes 6 Money Moves You Should Always Seek Advice Before Making – Throughout a person’s life, there will be many difficult financial decisions that need to be made. Since making poor decisions can be very costly, receiving advice before making certain money moves would be a great option. There are six money moves in which you should always seek financial advice before making.

Ryan @ Cash Money Life writes How to Invest in Dividend Stocks for as Little as $10 – Dividend stocks are an important part of an investment portfolio. Start investing in dividend stocks with Direct Stock Purchase Plans, partial shares, etc.

IMB @ Investing Money writes The Contrarian Investor – Contrarian investors follow the premise that “consensus” opinion may be wrong and invest differently. Read to learn about contrarian investors.

Suba @ Broke Professionals writes Do One Thing for a Healthier You – Starting a new year, why not do this one thing for a healthier you!

CAPI @ Creating a Passive Income writes 10 Jobs Requiring No Experience and How to Get Them – In today’s world landing a job has become more difficult. Not to fear – there are plenty of jobs requiring little to no experience! Read here for our list.

Tushar @ Finance TUBE writes 4 Cheap Ways to Lose Weight – Today I will be talking about four cheap ways to lose weight. With the New Year just around the corner, chances are you’ve been making that New Year’s Resolution list and have added lose weight to the top of the list.

Roger the Amateur Financier @ The Amateur Financier writes 6 Things to Do with Your Money (If You Aren’t Already) – Here’s a short guide to things you should do with your money, including investing, saving, paying down debt, earning more money, and getting insurance.

Corey @ 20s Finances writes My 2014 Financial Goals – 2013 was a year of change and progress for me and my wife. When I sat down to calculate the our net worth, I found that we were short of our ambitious 50% increase YTD goal, but not by much.

Ted Jenkin @ Your Smart Money Moves writes What If You Were Down 27%? – The Dow Jones industrial average (DJIA) rose 72.37 points, or 0.4%, to 16,576.66 on the last trading day of 2013.

Tushar @ Earn More and Save writes How to Easily Save More Money This Year – We are almost one week into the New Year and I know that many of you have set goals to save more money this year. Luckily, if you are willing to make some minor revisions to your current financial situation you can do just that.

JP @ My Family Finances writes Small Business ‘To Do’ List for 2014 – Growing your small business should maximize money and time. Owners must also consider the impact of expansion on liability and taxes, among other factors.

Minimalist @ Minimalist Finance writes 3 Places to Invest Your Money in 2014 – 3 Places to Invest Your Money in 2014 has been published on Minimalist FinanceMany people, as part of their New Years resolution, vow to invest more in 2014.

Mike @ Personal Finance Journey writes Post Christmas Sales: Is it a Saving Strategy – Simple easy ways that work to save money for next Christmas by shopping now!

Cat Alford @ Budget Blonde writes The Truth About Buying a Home After a Short Sale or Foreclosure – If you lost a home to a short sale or foreclosure in the past, you may be curious to know how that affects your chances of purchasing a home in the future.

Dominique Brown @ YourFinancesSimplified writes Target’s Credit Card Debacle: How Concerned Should You Be? – either Target’s point of sale terminals (the gizmos the cashier uses to swipe credit cards) were hacked or the information was intercepted…

Lauren @ L Bee and the Money Tree writes 5 Dietary Changes That Will Make You Rich – I think people like money almost as much as they like food. Or at least that’s me. So perhaps I can perk a few ears with these 5 tips on dietary changes that will make you rich.

Don @ Money Reasons writes Disappointing 2013 Stock Portfolio Performance But Promising New Start – Read about my disappointing 2013 stock performance, and what I did wrong and also what I got right.

Cindy @ MidLife Finance writes Simple Ways To Start Now – And Get Ahead In 2014 – Try one or more of these basic tasks, and you’ll have a headstart on making 2014 an even better year than before.

Moneycone @ Money Cone writes How this toolset became my best home improvement tool! – I want to share my joy on this low cost toolkit that has saved me numerous times! I usually don’t give tool tips, but check this out!

Kyle @ The Penny Hoarder writes 5 Weird Ways to Make Extra Cash with Your Home – When it comes to making extra money I’m a huge fan of squeezing cash out of things you already do or already own. One of the most underutilized resources many of us have is our home. Our house doesn’t have to just be a place we live, but it can also be a cash generator.

Lindy @ Minting Nickels writes Controlling Your Finances More Effectively In The New Year – New Year is a time when most of us cast an eye to the future, after reflecting on the past.

Tushar @ Start Investing Money writes Are IPOs Worth Investing In? (Or, Things You Should Know About IPOs) – IPOs – otherwise known in long form as initial public offerings – have really hit the headlines in recent times. The ill fated Facebook launch is well known by many, along with the far more successful Twitter IPO of recent times.

Mr. Frenzy @ Frenzied Finances writes How to Take Advantage of What Your Community Has to Offer – Living in a community is a wonderful experience. To live to the fullest it is important to learn how to take advantage of what your community has to offer.

Eva Baker @ TeensGotCents writes Surface 2 – The Best Buy With Mike – Mike has left Apple behind and is the proud owner of the Surface 2 tablet. He tells us a little about the switch. Wonder what he will do with his old iPad…

Wayne @ Young Family Finance writes Car Theft Prevention Tips – Few situations in life are more stressful and shocking than discovering that your car has been stolen. Not only is it emotionally taxing, it can be a real financial hassle to file insurance claims, pay deductibles, and shop for a new car. As a car owner it’s important to take proper precautions to minimize the risk of car theft.

Bargain Babe @ BargainBabe.com writes How to Have an Indoor Garage Sale – How to have an indoor garage sale in the winter months and make money from it!

SBB @ Simple Budget Blog writes Your Financial Goal for 2014 – 2014 is coming up fast! Time to examine your year in spending and saving – and establishing goals for 2014, while you’re at it.

Tushar Mathur @ Everything Finance writes 4 Things I Want To Accomplish in 2014 – It’s always fun to set some goals when the new year is off to a fresh start, so here’s what I want to accomplish in 2014.

Crystal @ Married (with Debt) writes Advice I Don’t Follow – As we start out a new year, I want to take an opportunity to mind-dump some money ideas that I’ve been having, and also confess about some advice I gave you that I don’t follow.

Don @ MoneySmartGuides writes How To Turn Your House Into A Rental (And Get Higher Rents!) – Are you interested to learn how to turn your house into a rental? Maybe you are underwater and selling doesn’t make sense so you want to become a landlord?

Luke @ Learn Bonds writes Was It Crazy to Buy These Bonds When I Did? – An example of bucking the usual Wall Street chorus of don’t-touch-a-long-term-bond-with-a-100-foot-pole.

Crystal @ Budgeting in the Fun Stuff writes Back on the Weight Watchers Online Wagon – I like to eat. And I really like to eat during the holidays.

Debt Guru @ Debt Free Blog writes Is Having Courtesy Overdraft Protection Worth It? – There are times when bounced charges occur due to overdraft mistakes. Some banks offer courtesy overdraft protection – but is it worth it? Read here.

Hank @ Money Q&A writes What’s Your New Year’s Resolution This Year? – The most popular New Years Resolutions are getting out of debt and losing weight. But, are we missing another important New Years Resolution?

Maria @ The Money Principle writes Choosing Your Trading Style – To be a successful tader one needs to find a trading style that suits him/her.

Jay @ The First Million is the Hardest writes Should We Combine Finances After Our Wedding? – With my wedding fast approaching, I take a look at the pros and cons of combining finances with your spouse.

Michael Kitces @ Nerd’s Eye View writes Investing Around Human Capital – Is Your Career A Stock Or A Bond? – For most people, their greatest asset is their ability to work and generate income. Yet as an “asset” an individual’s human capital can rise and fall, and be managed and invested in. Are you focusing on nurturing your human capital the way you look to your portfolio and financial capital, and even use one to diversify the other?

May @ Messy Money writes Help With Difficult Money Conversations – If you and your partner are struggling to find a way to have constructive conversations about money and find ways to work together to a common understanding here is an exercise that will move things in a positive direction.

GenY @ Gen Y Finances writes Your Credit Score Is Important – When you are young and you get your very first credit card or your first loan, you may not be entirely thinking about your credit score. But, you should be thinking about it!

Emily @ Evolving Personal Finance writes Oops, We Need to File an Estimated Tax Payment This Month – I never thought when I wrote a post explaining estimated tax that I would need to take my own advice.

Michelle @ Diversified Finances writes How To Promote Your Blog – Without networking through my blog, I never would have started a side job, I never would have quit my job to freelance full-time. And I never would have 1,000 other things. Networking is what has helped me and my blog grow.

Mario @ Debt BLAG writes Should I move my emergency fund to Bitcoin? – I briefly introduce what Bitcoin is, ask whether it makes sense to keep my rainy day fund in Bitcoin, and decide that no, it does not.

Daisy @ When Life Give You Lemons writes How to Pick the Brain of Successful People – Learning from successful people is a great way to expand your own knowledge and level of success. Learn some tips from When Life Gives You Lemons about picking the brain of sucessful people.

Daisy @ Suburban Finance writes 4 Easy Ways to Make Passive Income 2014 – There are many ways of making passive income, but coming up with passive income ideas can be difficult, because there are mental blocks to earning passively. I’m giving you four easy and fun ways to make passive income in 2014

Jen @ Master the Art of Saving writes How to Start Saving Money (Even if you’re always broke) – Each month our debt was growing, so how could I save 10% of nothing or $50 we didn’t have? I couldn’t, so I had to come up with another solution to be able to save money even though we were beyond broke.

PFC @ PF Carny writes The Starter Emergency Fund – Sure most people would agree that keeping money set aside in case of emergency is a wise idea. But not everybody has the money or interest needed to have a fully funded emergency fund.

Jen @ Prepping Is Sexy writes Is Prepping Right For You? – Deciding whether or not to be a prepper isn’t always an easy decision for most people, especially with all the negative media attention it gets. It’s so much easier to go about your daily life and pretend nothing bad can never happen.

Alice @ Hurricanes, Panties & Dollars writes The pterodactyl retirement plan – An interesting conversation, a plan to trap a pterodactyl and waking back up in the real world. Plus a fun, catchy video and perhaps a little talk about retirement.

Alice @ Drop the Cookies! writes Tracking Weight Loss Successfully – Scales are shifty buggers and there are many other valid and accurate ways to measure your weight loss success. Use as many of these as you can to keep yourself motivated, focused and on track to successful weight loss.

Dee @ Color Me Frugal writes Talking to Your Partner About Money – It’s so important to be able to talk to your mate about money. Check out these tips on how to accomplish this task without sacrificing your relationship.

Marvin @ Brick By Brick Investing writes How To Manage Your Thrift Savings Plan – A detailed look at how anyone can manage their Thrift Savings Plan like a stock market professional.

Daniel @ Make Money Make Cents writes It’s time to stop trying to keep up with the Joneses – More than likely you have heard the phrase “keeping up with the Joneses” more than a few times in your life. What it refers to is the phenomenon of using your neighbors as a standard for which to compare your own life and material goods.

Oscar @ Money is the Root writes These 10 Mutual Funds have Outdone College Costs over the last 10 Years – Even if you might have paid a hefty commission upfront (and of course taxes along the way) the following 10 mutual funds that we’re going to show you have outpaced the average rise in public college tuition costs over the last 10 years.

Jay @ Daily Fuel Economy Tip writes Don’t let the Fuelshark take a bite out of your wallet – Today we have a quick little blog about a new gadget that has been seen on the market recently called the Fuelshark.

Danielle @ Saving Without a Budget writes The Advantages and Disadvantages of Buying a New-Build Home – If you are a first-time home buyer, one of the first decisions to make will be whether you want a brand new home or one that has already been lived in for some time.

Stu @ Poor Student writes 3 Reasons Why It’s Crucial That Students Meal Plan – Meal planning can save a ton of money and time, both of which are crucial for a student. Here are three reasons why it’s absolutely imperative that students meal plan.

Matt @ Budget Snob writes The Good news about your Credit Score – Whether it is the interest you pay on your mortgage, your ability to get a car loan or being able to get a credit card with an excellent APR, your credit score, and making sure that it is a good one, is vital.

Jack @ Money Saving Ethics writes What happens when Art Buyers get Buyer’s Remorse? – Many people invest in artwork as, in most cases, it steadily goes up in value over time. The fact is however that even the most avid art collectors can sometimes have a change of heart and, when it happens, usually it is the gallery or auction house that takes the brunt of the canceled purchase or broken deal.

Amy @ Money Mishaps writes Little-known Facts about Social Security Benefits – Many Americans truly have no idea how Social Security works besides the very basic information.

Lenny @ Best Money Saving Blog writes Prepare yourself for Small Business Success in 2014 – as a small business owner, preparing yourself for success is something that should never stop. The thing is, there’s really not much of a difference between the end of one year and the beginning of the next.

Hadley @ Epic Finances writes Should you keep your Mutual Funds? – If you own a lot of mutual funds this next bit of news is not going to exactly make your day. The fact is, the vast majority of them underperform the average return of the stock market.

Andrea @ So Over This writes A New Year Brings New Beginnings – It is officially 2014, and with that comes a sobering hangover from the holiday binge spending! Sure we read the how-to tips on saving money during the holidays, but do we actually follow them?

Bob @ Dwindling Debt writes Social Security and Part-time Income. What you should know – These days more Americans than ever before are going to be working past the traditional age of retirement. A recent Wells Fargo study of 1000 middle-class Americans showed that nearly 34% of them believe that they’re going to have to work until they reach the tender age of 80 years old.

Lily @ Paying Debt Down writes Top 2014 Money-Saving Tips – With 2013 coming to a close many people are looking towards 2014 and finally becoming financially independent. The fact is however that while 34% of us set financial goals, only 8% of us actually reach them, at least according to a study published in the Journal of Clinical Psychology that was done by the University of Scranton.

Katie @ IRA Basics writes Benefits of a Budget – Budget. It is a dreaded word, not one that instills ideas of grandeur and immense fun. It is also a word that’s often neglected, an idea that most of us would rather not think about.

Marissa @ Finance Triggers writes The Perks of Living in the Suburbs – More and more people are moving are looking to move out of the city core, find out The Perks of Living in the Suburbs.

Marissa @ Thirty Six Months writes The Joys of Freelancing – Some of us look at the new year as the time who make resolutions about joining the gym, while others (like me!) audit the projects that I have going on at the time, and see what is working and what is not.

Justin @ Edward Antrobus writes Insuring Your First Home – Are you looking to buy your first home in the near future? If so, then congratulations are certainly in order! Being a first-time home owner can be an extremely rewarding experience.

Aaron @ Aaron Hung writes Gift Cards – What’s not to like? – Many people have a negative opinion about Gift Cards. They call them the lazy option and say that they are much too impersonal or that they will just be put aside and forgotten in the sock drawer.

Monica @ Monica On Money writes How I Saved $6718 On Home Renovations – As my readers know, I have been searching for a better flooring option. But the problem is that home renovations are expensive!

Nicole @ How to Avoid a Cashtastrophe writes 3 Types of Insurance You Must Have – Insurance is something that many people fail to get, and never see the importance of until it’s too late. There are many types of insurance that are absolutely crucial for you to have.

Holly @ Club Thrifty writes Quit Your Job: How to Know When it’s Time – If you have been working steadily at your regular 9-5 and your side hustle, you are probably beginning to fantasize about the day you quit your job.

Larry @ KrantCents writes My 2014 New Year’s Resolutions – My 2014 New Year’s Resolutions will be different! Normally, I do not make New Year’s Resolutions because I do not believe in them. Why wait for a particular date to resolve or promise to make changes?

Natalie @ Debt and the Girl writes Ahhhh, 2014. Its Good to Meet You – I have been the equivalent of a lazy sloth lately and have been putting everything off except for my staff writing commitments as I refuse to be unprofessional on those.

Alexa @ Single Moms Income writes How to Quickly Write an eBook for Your Blog – Having an eBook on your blog is a great way for you to boost your email sign ups and also your credibility. I am always much more apt to sign up for someone’s email list if I am getting a free bonus.

Alexa @ Defeat Our Debt writes What’s the difference between debt settlement and debt consolidation – What’s the difference between debt settlement and debt consolidation? Debt settlement and debt consolidation are not the same thing.

Graham @ Moneystepper writes Salary changes over time – by sector in the UK – Salary changes over time: how salaries have changed since 2000 in different UK sectors. Not surprisingly, its the bankers who have done the best!

Jason @ The Money Makers writes John Kerry’s Wife Hospitalized: Can You Afford Health Insurance? – Even as a growing number of analysts are questioning the details of Obamacare, the sudden hospitalization of Teresa Heinz Kerry, the wife of former senator and current U.S. Secretary of State John Kerry, provides additional fodder to the ongoing healthcare debate.

Sustainable PF @ Sustainable Personal Finance writes Would You Use an Alternative Currency? – One of the first rules of investing is that you need to have a degree of diversity in your assets. That way, if something goes wrong with one asset class, you will have another asset available to pick up the slack. But how does that work if most of your assets are denominated in a specific currency?

David @ Financial Nerd writes Is the US a banana republic? – The United States is not different than a Banana Republic

Adam @ Money Rebound writes Is Leaving Your Kids a Fortune a Good Thing? – Teaching your kids how to appreciate money, especially money through inhertance.

Mark Ross @ Money Saving Dude writes 25 Easy Ways To Save Money On Food Without Going On A Diet – Are you looking for ways to save money on food without reducing your food intake? If you are, then these money saving tips are perfect for you.

Richard Adams @ Frugality Magazine writes How To Become Debt Free: Getting Motivated To Pay Off Debt – When it comes to the question of how to become debt free, I believe that motivation is one of the biggest keys to success. But if it’s so important, what can we do to motivate ourselves over the long term?

Nivene @ It’s Economic writes How to Combat Lifestyle Inflation – Most people are familiar with inflation — goods and services rising in price over time. But there’s a more subtle form of inflation that many Americans face. It’s “lifestyle inflation.”

Irfan@BeingInvestor @ Being Investor writes Best Stock Investing Tips – The stock market can be a bloody place for unseasoned investors. But knowing the ins and outs can reap great benefits. The stock market is perfect for those who seek to build wealth in the short or long term.

Christopher @ This That and The MBA writes Small Business Branding Tips – Small businesses typically don’t have much of a budget for branding and marketing. It is the sort of thing that’s really hard, because a lot of traditional marketing media is expensive. TV spots, radio broadcasts and widespread posters are expensive, eating away at the company’s money when it could be better spent elsewhere.

Dollar @ Easy Extra Dollar writes Different Pages for Different Opportunities – There are a number of ways you can start making money online. I started out buying a great big thick manual from James Martel and followed every step in the 300+ page manual. That was back in 2009 and the end result is I had just graduated from an Information Systems program at a local college so I knew how to code a website in html.

Matt Becker @ Mom and Dad Money writes How Much Life Insurance Do You Need? – When buying life insurance, I got sick of impersonal rules of thumb trying to tell me how much I needed. Unable to find a tool I liked, I created my own comprehensive resource to determine your own PERSONAL life insurance needs.

Jon Haver @ Pay My Student Loans writes 7 Steps to Determine How Much You Should Borrow for College – The value of a college degree continues to rise in today’s economy. Unfortunately, the cost of a college education continues to rise as well. Many students turn to student loans to cover the cost of their education.

Justin @ Root of Good writes Dividend Investing – Find out how Root of Good earned $22,300 in dividends during 2013. Learn how you can focus on dividends in your own portfolio, and why dividends are important for Root of Good’s early retirement. You can even earn fat dividends with these suggested low cost index funds.

Miss T. @ Prairie Eco Thrifter writes Improve Your Diet and Physical Fitness Level One Month at a Time – Do you want to eat healthier and get fit this year? If so, the best way to do it may be incrementally, month by month.

Little House @ Little House in the Valley writes Record Breaking Week in New York – When I booked my ticket for New York back in October, I knew January would be frosty. What I didn’t know was that I’d be present during their coldest period in over 100-years with a record-breaking day of 4-degrees Fahrenheit – that was during the Polar Vortex. All I can say is brrr…..

Done by Forty @ Done by Forty writes Mindless Accumulation – Are we susceptible to overearning: acquiring funds past the point of our needs, or wants?

Brian Fourman @ Luke1428 writes How to Love Paying Bills and Going Christmas Shopping in 2014 – The concept of a sinking fund is not new. Yet so many people fail to utilize this simple money management technique to make their lives easier. It’s one of the best practices to help you eliminate overspending moments in your monthly budget.

Connie @ Savvy With Saving writes Side Hustlin’ : How I Make My Extra Income – Find Out How I’m Making An Extra $1000 A Month

GD @ MCI123 writes Lapse In Car Insurance – A lapse in car insurance can be devastating when your goal is to save money and lower your rates. It doesn’t just cost you your loyalty discount, but results in penalties, fines, and huge liabilities. Check out our guide to avoiding a lapse in car insurance coverage.

Glen @ Glennalicious.org writes How To Make A Career Change – Making a career change at any age can be especially stressful and financially difficult. If you are planning on taking your career in a new direction, starting your own business, or want to advance faster, learn about the steps you need to take beforehand to ensure your future success.

Harry Campbell @ Your PF Pro writes When Should You Hire a Cleaning Lady? – Now that I’m back working my day job, I have a lot less free time in my life. I generally work online for 2-3 hours a night after work and that severely cuts into my TV watching and forces me to be a lot more efficient when it comes to managing my time. So the last thing I want to do at the end of the night is spend my time scrubbing toilets or vacuuming my apartment. It’s a tough predicament for me since I do like a clean house but I don’t like cleaning all that much. I’m not a neat

Harry Campbell @ The Four Hour Work Day writes Should You Follow Your Passion? – When I was little I used to always hear, “you can be anything you want when you grow up.” But as time went by and I grew older, it seemed like there was actually less and less that I could be. I’ve always had an interest in business and finance but my degree in aerospace engineering almost precludes me now from working in those fields. It’s tough to pick a major when you’re only 18, and that’s probably one of the reasons why so many college freshmen go in undeclared. But after a

John @ Frugal Rules writes Retirement Planning Tip for the Self-Employed: Don’t Make My Mistake – Retirement planning when you’re self-employed can be easily overlooked when you’re busy managing your business. However, this can cause a worse problem as you’re also losing out on a 401k match. With some appropriate planning and selection of the appropriate retirement vehicle you can set yourself up for success and grow your retirement portfolio at the same time. Just make sure that the option you select is the one that’ll benefit you from both a retirement and a taxation perspective.

Michelle @ Making Sense of Cents writes How To Use Mint.com To Improve Your Finances – The Mint Manual – Mint.com is a website that I highly recommend. I’m sure most of you have heard of Mint (there are over 10 million users!). In case you haven’t, Mint.com is a website that allows you to better manage your finances.

GenY @ Gen Y Finances writes Tips For Better Negotiation – Since this is a personal finance blog, I’m going to guess that one of the reasons that you are reading is because you want to put more money in your pocket.

GMM @ Grad Money Matters writes Are you being scammed? – As someone who makes money online, I often see money-making scams. I see them in comments on blog (I don’t approve those!), comments on forums, e-mails, and so on.

Brian @ Debt Discipline writes My Parent’s Financial Story – A post that tell the story of my parent’s financial history and what I learned from them.

Ray @ Squirrelers writes Four Low-Cost Foods to Help You Get Healthy and Wealthy – To get wealthy, it can help to be healthy. To do so means eating nutritious food, which can often be quite inexpensive!

Mel @ brokeGIRLrich writes Why You Should Have a Favorite Amendment & Other Scholarship Tips – How I turned just the littlest amount of effort into $500 a semester for college and other tips for getting some college cash that worked for me.

Derek Chamberlain @ MoneyAhoy writes Investment Tips – Don’t Mistake a Low P/E Ratio for a Value Stock – A discussion of P/E ratios and what to look for when buying stocks. A low P/E ratio is not always your best friend!

Micro @ Micro’s Missions writes Making the switch to Republic Wireless – A review of Republic Wireless and how they work. In addition, an analysis is done of RW’s phone offering and plan pricing.

Jim @ Critical Financial writes 10 Reasons Why ‘The Donald’, I Am Not! – Being the small time real estate investor I am, I have to admit, one of the people I find rather interesting in the investing business is the one and only, Donald Trump

Pauline @ Make Money Your Way writes Make money with languages – I will share with you on how I make money with languages. I speak a few languages, among them English, French and Spanish to a level of fluency that allows me to make money with it.

Pauline @ Reach Financial Independence writes Relationships in early retirement – How the relationships affect when you choose an early retirement? Only a handful of my closest friends really understand my journey and how and why I got to where I am today.

Pauline @ Savvy Scot writes New year financial boot camp: Cut your grocery bill – It will take you some time to be the perfect grocery shopper and optimize every shop. Today we will talk about how you can lower your grocery bill.

Mitchell Pauly @ Snarkfinance writes Handling Debt Collectors: Some Key Tips – Some essential tips regarding handling debt collectors.

Money Beagle @ Money Beagle writes Best of Money Beagle For 2013 – My most popular and favorite posts from last year. Here’s to a great year ahead!

Paul @ The Frugal Toad @ The Frugal Toad writes Resolutions for the New Year That Will Build Wealth – The new year is a perfect time to reflect upon the past year and resolve to make improvements in not only personal areas of your life but your financial matters as well. Here are several examples of how small changes can result in large savings.

KK @ Student Debt Survivor writes 5 Tips for Planting the Seeds of Wealth – Want to be wealthy? Are you planting the right seeds to grow your wealth?

Mr.CBB @ canadian budget binder writes What type of bank should you stash your cash in? – Deciding where to open a bank account, invest your money or apply for a mortgage can be an overwhelming process with more than the traditional banking options available.

Michael @ Save-Invest-Grow writes Building Wealth by Creating Systems – This post talks about changing your mindset through “mini-habits” to put wealth building systems in place.

Jacob @ Cash Cow Couple writes Travel Rewards – If you are looking to travel on the cheap, take advantage of the travel hacking opportunities!

Joshua Rodriguez @ CNA Finance writes Are There Any Alternatives To Secured Credit Cards? – Secured credit cards are touted as the best way to add positive marks to your credit report and improve your credit scores, but are there any alternatives? In this post, Joshua talks about why secured credit cards help and possible alternatives to look into.

Gabe @ Taxes 101 writes CPA advice – Here are some tips and ideas to save money on taxes before April 15

photo credit: Rich Anderson via photopin cc

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