Guest what one of my Christmas presents from my fiance was? An extremely detailed budget spreadsheet in Excel that will help me track and organize every cent I spend. I mentioned a few months ago that I was going to be starting a budget, but I have procrastinated big-time and haven’t done it yet.
I kept finding reasons to put it off. I needed to wait until the start of the next month so it would be accurate. Or I had an unusual month with some windfalls, so it wouldn’t really count. Or I conveniently forgot to save my receipts. You name it.
Now that the new year is here, I resolve to take budgeting seriously. Especially since my sweet man poured so much time into creating a fully functional, fully customized document that computes everything for me. I can’t claim that I’m not math-savvy enough now. I’m out of excuses; it’s time to start watching where my money is going. With our wedding happening in three months, this will give me some time to get used to budgeting before we get hitched. What’s your New Year’s resolution this year?
Read on for my roundup of my favorite posts from the personal finance blogosphere in the last week, several of which touch on New Year’s resolutions. Happy New Year!
1. Cash Money Life offers five tips for simplifying your finances in the new year.
2. Fiscal Geek says that credit score mania can go too far and explains
several things that may help your credit score but will damage your
3. My Dollar Plan lists the six people you can’t afford to lie to about your finances, including your spouse and your insurer.
4. Many New Year’s resolutions involve the organizing of finances. The
Digerati Life explains how to set up a personal finance calendar to
properly manage your money.
5. DoughRoller discusses what the average credit score is and what factors are considered in credit scores.
6. Budgets Are $exy lists his seven worst money mistakes you can learn from, which includes accumulating credit card debt.
7. Did you end up with gift cards from the holidays that you will never
use? My Money Blog compares several websites where you can sell your
8. If you’re interested in learning more about personal finance, all
you need to do is check out this post from Free From Broke, which wraps
up the year with a list of some of the best personal finance blog posts
9.. Moolanomy outlines steps you can take to prevent having a personal debt crisis.