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Personal Finance Resources (Frugal Friday)

FrugalFriday

I’ve been surfing the web a little this past month, specifically looking at personal finance information. It might have started with talking to those young whipper snappers at Starbucks. It might have been that the Tax Man approacheth. It might have been that I’m seeing progress in our France account.

It might have been that I read Amy’s book and feel newly inspired. It might have been that I saved several hundred dollars on last month’s Pantry Challenge. It may have been that rush of getting some great deals at the grocery store last week.

Overall, I am again amazed that a little effort and a lot of self-control can produce some great things.

Here are a few helpful personal finance resources on the web:

  • Wise Bread – a site dedicated to living large on a small budget. I love the great mix of ideas and seasons of life represented.
  • America Saves Week – we are not the only weird people in the world. There are other people saving their hard-earned greenbacks! Check out America Saves Week for ideas and inspiration.
  • America Saves – an organization dedicated to helping individuals save money, reduce debt, and build wealth.
  • Dave Ramsey – you know I’m a fan. This man helped us find financial freedom.
  • Choose to Save –  a national public education and outreach program dedicated to raising awareness about the need to plan and save for long-term personal financial security.

While I have no qualms about striking a new path and doing something different than the crowd, it’s nice to know there are other folks around to help you accomplish great things.

What’s a favorite personal finance resource of YOURS?

This is Frugal Friday. In an effort to make these weekly financial discussions more interactive, I’m no longer posting a link-up. Feel free to leave a link in the comments. But better yet, chat with us on today’s topic.

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Comments

  1. My favorite resource is Crown Financial Ministries. I took their bible study oh 15+ years ago (wow time gets away from you). It had a huge impact on how my husband and I see our finances. Each week of the study we were called to memorize a verse that had to do with handling money and our leader would not let us talk during the study if we could not recite our verse. I memorized every verse and they still come to my head when I am about to make an unsound financial decision and they steer me back on course to a wise choice.

  2. The Tightwad Gazette is hands-down the best resource we’ve come across. It totally changed our lives and I wrote about it years ago. http://anniekateshomeschoolreviews.com/2010/07/twt-the-tightwad-gazette/

    Of course, there are dozens of other good ones. Dave Ramsay is one that you mentioned and we love. But, believe it or not, this column is my weekly dose of encouragement. :) Thanks, Jessica!

  3. Well, I don’t know if it counts as a resource, but I’m currently sharing the steps we took on our own financial journey, which ended in paying our house off last year (18 years early). :) This week I shared Step #1: http://www.carriesbusynothings.com/2013/02/deadline-payoff-step-1.html

  4. I am a huge fan of Dave Ramsey too. I have read a ton of personal financial books and I always come back to him. To me what he says just makes sense. I don’t agree with every last thing he says but as a whole he is spot on for me. One thing I disagree with is when he says food is the first thing you budget for – I always think rent/mortgage is the 1st thing (I know it’s usually a much larger amount). My theory is that you can go to the food bank or soup kitchen or eat with friends & family but I don’t know anyone who’d want us to move in with them. :)

    I am not familiar with all of the other resources you listed but I look forward to checking them out.

  5. Here is a post from Get Rich Slowly today asking the same question. Many of the blogs mentioned are ones that are new to me.

    http://www.getrichslowly.org/blog/2013/02/22/ask-the-readers-what-are-your-favorite-personal-finance-blogs/

  6. Not familiar with “Amy’s book”. Could you please share the title? Thanks!

  7. Dh and I are currently trying to climb the get out of debt mountain that we have built. I have read and love what Dave Ramsey says, but we live paycheck to paycheck, so it’s really hard to get those savings built up. I have been using cash and have tried the envelope system, but dh is insistent on using his card. I recently found EEBA (https://www.eebacanhelp.com/login.php) Now we can both use the envelope system, and we are seeing some savings build up.

    I’m going to check out some of these other resources too people are posting.

    • Jessica Fisher says:

      We were in the same situation six years ago. We stopped using all credit cards and used our debit only for gas. It was really hard, but it worked out eventually.

  8. We read all of the books, tried several different systems, and still managed to find ourselves 10’s of thousands of dollars in debt, house note, vehicle notes, it left us breathless when we looked at it, so most of the time–we didn’t! And that’s how we got into that situation to start with. One day I was praying desperately to God to help us get out of debt and be able to do the things we wanted to do in life–and I believe He spoke to my heart very distinctly that we would get out of debt $5 at a time–just the way we got into it. It took a lot of HARD work, with some setbacks from time and time, and some conscious sacrifices, but we managed to pay off everything, while helping our son through private college, as well. My husband, especially, made the sacrifice to take a job that kept him away from home a lot, but it was the way he could provide for his family and give us a future that went beyond just robbing Peter to pay Paul. He is blue-collar, and we live in a rural, small town, it was the only way we could survive for years, much less thrive. Now, because we are debt free, he is able to take a lower paying job that enables him to be home every night. I am so very thankful that we faced the music and did the hard things that got us out of debt completely–no mortgage, no vehicle notes, no credit card debt. We are able to give, save, and live off the rest every single payday. It was hard, but it was worth it.

    • Jessica Fisher says:

      So know how this is. My husband is a tradesman as well. When we started getting out of debt, he was unemployed. He worked incredibly hard to do as many jobs that eventually came his way and did some pretty icky stuff like mold remediation in order to make it happen. Like you say, it was hard, but it was worth it.

  9. Besides LAM, I love wise bread! Such simple, helpful info out there. :)

  10. I like using an envelope budgeting desktop software program called Commoncents. You can find it at http://www.commoncentssoftware.com It has a button for split transactions so you can put large shopping trips into different budget categories. It really helps!

  11. I’m familiar with Wise Bread and Dave Ramsey. I gotta check the others. Yes, it is indeed amazing how much you can save if you have the discipline. Good luck.

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