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16 Great Personal Finance Resources & Blogs

16 Great Personal Finance Resources & Blogs

    It’s one of the most common reasons for arguments and divorce in marriages. It can keep us from achieving our dreams, or it can enable us. It can cultivate the worst in people, and it can cultivate the best. Money is one the most fundamental, crude, material parts of our existence, yet we look at it like some kind of metaphysical, unknowable force.

    If this describes your relationship with money, it might be time to dedicate some time to improving your knowledge of your finances and set about improving them. You could even make a 30-day trial out of getting a grip on your money. From reducing your debt to automating your tax accounting records, there’s something for every reader.

    Get Rich Slowly – JD Roth’s immensely popular blog covers personal finance topics for the everyday individual, by breaking down the world complex and intimidating information so that anyone can understand it. With articles on investing for beginners and money saving tips, Get Rich slowly is also well-known for its reviews of personal finance and money-related books and products. Visit here.

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    The Simple Dollar – Trent Hamm’s blog also focuses on breaking down intimidating personal finance topics for everyday people, but it focuses on those who are in massive debt and need to do a complete 360 degree turnaround. If you’re experiencing serious financial difficulty, check out The Simple Dollar and learn from someone who has been there before and done something about it. Visit here.

    Wise Bread – This community blog features many talented contributors (such as Linsey Knerl, David DeFranza and Andrea Dickson) who share their tips on living frugally. Wise Bread excels at and is best known for providing those handy tips and tricks your grandmother would’ve given you to save a buck—maximizing tight budgets. Frugality is baked into this Wise Bread, and you can check it out here.

    Investopedia – Forbes’ site is useful for those who are interested in, but totally clueless about, the topic of investing, all the way up to the experts. It features articles, tutorials, tools, reports and simulators and will give you all you need to get started. It’s also got a Community section where you can ask advice from other ordinary people who happen to know a bit about investing (no substitute for professional advice, of course). Take a look here.

    AllFinancialMatters – AllFinancialMatters is a blog that covers the gamut of personal finance topics from budgeting to portfolio management. It’s run by a guy called JLP and is a breath of fresh air for me—having spent a lot of time in the blogosphere I know that there aren’t many bloggers who tell it like it is. JLP offers answers to his readers even when they’re not the ones they wanted to hear. Have a read.

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    CNNMoney – Despite belonging to CNN, this subsite is a handy reference for those who need to keep on financial news. Besides, if you’re not keeping up on news at all, this may truly be the one aspect that affects you (unless you’re an athlete or celebrity!) and can give you an upper-hand for financial decision-making. Take a look.

    Five Cent Nickel – Last time I visited Five Cent Nickel, the story on the frontpage was about rotating your car’s tires in order to make them last longer and hence save money. Beneath that? How to save 5% on gas with a credit card. This is really a blog that endeavors to serve up good info on saving the last penny. Check out this frugal living blog here.

    Consumerism Commentary – Consumerism Commentary finds its niche in commentary on financial news (such as whether women find rich men attractive or whether the rich are more stressed) with personal finance tips thrown in between. Take a look here.

    Free Money Finance – This blog’s tagline is Grow Your Net Worth and covers all sorts of useful and practical topics. For instance, recently it has looked at what to do about your financial situation when you’ve been laid off until you’ve got a new job, and how to best manage severance packages. Check it out here.

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    No Credit Needed – the No Credit Needed blog offers more handy advice, and their recent post on the Bills-in-a-Box system for organizing personal finances almost sounded like a Lifehack post. Check it out here.

    The Family Wallet – Are you managing the budget for a family or just for yourself? If it’s just you, you might want to move right along, but the Family Wallet is a fantastic blog for those who want family-specific financial ideas and advice. Check it out.

    Moolanomy – This personal finance blog is oriented towards wealth building and investing (as opposed to debt reduction, a common focus for blogs in this field) and about creating more money for yourself. It does cover topics such as frugal living, but for inspiring ideas on building your income, take a look here.

    Zen Habits – Leo Babauta just posted a big round-up of the best money-related posts he’s written since starting the blog. Get ready for some in-depth link exploration here.

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    Fix My Personal Finance – Here’s another resource on managing your money and fixing your personal finance problems. Take a look here.

    Binary Dollar – This blog has a quirky sense of humor and provides “free money tips for everyone” and seems to have a fetish for link round-up posts. Check it out here.

    Of course, we don’t advocate that you make serious decisions based off nothing more than the advice of a blog, and while these are all useful resources you should certainly check with a professional who you trust before taking action.

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    Joel Falconer

    Editor, content marketer, product manager and writer with 12+ years of experience in the startup, design and tech digital media industries.

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    Last Updated on November 19, 2020

    The Gentle Art of Saying No for a Less Stressful Life

    The Gentle Art of Saying No for a Less Stressful Life

    It’s a simple fact that you can never be productive if you take on too many commitments—you simply spread yourself too thin and will not be able to get anything done, at least not well or on time. That’s why the art of saying no can be a game changer for productivity.

    Requests for your time are coming in all the time—from family members, friends, children, coworkers, etc. To stay productive, minimize stress, and avoid wasting time, you have to learn the gentle art of saying no—an art that many people have problems with.

    What’s so hard about saying no? Well, to start with, it can hurt, anger, or disappoint the person you’re saying “no” to, and that’s not usually a fun task. Second, if you hope to work with that person in the future, you’ll want to continue to have a good relationship with that person, and saying “no” in the wrong way can jeopardize that.

    However, it doesn’t have to be difficult or hard on your relationship. Here’s how to stop people pleasing and master the gentle art of saying no.

    1. Value Your Time

    Know your commitments and how valuable your precious time is. Then, when someone asks you to dedicate some of your time to a new commitment, you’ll know that you simply cannot do it.

    Be honest when you tell them that: “I just can’t right now. My plate is overloaded as it is.” They’ll sympathize as they likely have a lot going on as well, and they’ll respect your openness, honesty, and attention to self-care.

    2. Know Your Priorities

    Even if you do have some extra time (which, for many of us, is rare), is this new commitment really the way you want to spend that time?

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    For example, if my wife asks me to pick up the kids from school a couple of extra days a week, I’ll likely try to make time for it as my family is my highest priority. However, if a coworker asks for help on some extra projects, I know that will mean less time with my wife and kids, so I will be more likely to say no. 

    However, for others, work is their priority, and helping on extra projects could mean the chance for a promotion or raise. It’s all about knowing your long-term goals and what you’ll need to say yes and no to in order to get there. 

    You can learn more about how to set your priorities here.

    3. Practice Saying No

    Practice makes perfect. Saying “no” as often as you can is a great way to get better at it and more comfortable with saying the word[1].

    Sometimes, repeating the word is the only way to get a message through to extremely persistent people. When they keep insisting, just keep saying no. Eventually, they’ll get the message.

    4. Don’t Apologize

    A common way to start out is “I’m sorry, but…” as people think that it sounds more polite. While politeness is important when you learn to say no, apologizing just makes it sound weaker. You need to be firm and unapologetic about guarding your time.

    When you say no, realize that you have nothing to feel bad about. You have every right to ensure you have time for the things that are important to you. 

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    5. Stop Being Nice

    Again, it’s important to be polite, but being nice by saying yes all the time only hurts you. When you make it easy for people to grab your time (or money), they will continue to do it. However, if you erect a wall or set boundaries, they will look for easier targets.

    Show them that your time is well guarded by being firm and turning down as many requests (that are not on your top priority list) as possible.

    6. Say No to Your Boss

    Sometimes we feel that we have to say yes to our boss—they’re our boss, right? And if we start saying no, then we look like we can’t handle the work—at least, that’s the common reasoning[2].

    In fact, it’s the opposite—explain to your boss that by taking on too many commitments, you are weakening your productivity and jeopardizing your existing commitments. If your boss insists that you take on the project, go over your project or task list and ask him/her to re-prioritize, explaining that there’s only so much you can take on at one time.

    7. Pre-Empting

    It’s often much easier to pre-empt requests than to say “no” to them after the request has been made. If you know that requests are likely to be made, perhaps in a meeting, just say to everyone as soon as you come into the meeting,

    “Look, everyone, just to let you know, my week is booked full with some urgent projects, and I won’t be able to take on any new requests.”

    This, of course, takes a great deal of awareness that you’ll likely only have after having worked in one place or been friends with someone for a while. However, once you get the hang of it, it can be incredibly useful.

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    8. Get Back to You

    Instead of providing an answer then and there, it’s often better to tell the person you’ll give their request some thought and get back to them. This will allow you to give it some consideration, and check your commitments and priorities. Then, if you can’t take on the request, try saying no this way:

    “After giving this some thought, and checking my commitments, I won’t be able to accommodate the request at this time.”

    At least you gave it some consideration.

    9. Maybe Later

    If this is an option that you’d like to keep open, instead of just shutting the door on the person, it’s often better to just say,

    “This sounds like an interesting opportunity, but I just don’t have the time at the moment. Perhaps you could check back with me in [give a time frame].”

    Next time, when they check back with you, you might have some free time on your hands. If you need to continue saying no, here are some other ways to do so[3]:

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    Saying no the healthy way

      10. It’s Not You, It’s Me

      This classic dating rejection can work in other situations. Don’t be insincere about it, though. Often, the person or project is a good one, but it’s just not right for you, at least not at this time.

      Simply say so—you can compliment the idea, the project, the person, the organization—but say that it’s not the right fit, or it’s not what you’re looking for at this time. Only say this if it’s true, as people can sense insincerity.

      The Bottom Line

      Saying no isn’t an easy thing to do, but once you master it, you’ll find that you’re less stressed and more focused on the things that really matter to you. There’s no need to feel guilty about organizing your personal life and mental health in a way that feels good to you.

      Remember that when you learn to say no, isn’t about being mean. It’s about taking care of your time, energy, and sanity. Once you learn how to say no in a good way, people will respect your willingness to practice self-care and prioritization. 

      More Tips for a Less Stressful Life

      Featured photo credit: Kyle Glenn via unsplash.com

      Reference

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