Each year feels like it passes faster than the next, and 2011 was no exception. So much changed for me when I got married in March. On that day, my husband’s daunting law school debt became partly my responsibility (he is in his second year), and we then got on the same insurance plans. My emergency fund was also partly depleted in 2011 due to an unexpected laptop death.
On the bright side, I managed to go on an amazing trip to Costa Rica in October without incurring any debt due to diligent savings. I also escaped this past holiday season without any credit card debt — a first for me.
Here are my three financial New Year’s resolutions for 2012:
1) Add back to my emergency fund what I took out for my new laptop.
2) Contribute small amounts to my husband’s student loan payments when possible.
3) Keep saving for travel through small automatic weekly deposits.
What are your resolutions this year? If one or more of your resolutions for 2012 is to improve your finances, read on for this list of great personal finance blog posts from the past week.
1. Money Crashers lists 25 ways you can make extra money to use as “debt snowflakes” that will go toward paying off your balances.
2. Did you end up with some unwanted gift cards this holiday season? Smart Wealth explains how you can sell them online.
3. Don’t leave money on the table! Out of Debt Again reminds readers to always open their holiday cards, as she once found $200 in a holiday card from two years ago.
4. Dough Roller discusses how you can use a three-step checkup to assess the health of your finances.
5. Afford Anything reveals how you can actually save money by traveling rather than staying at home.
6. The Digerati Life lists the pros and cons of debt settlement that you should consider before you take action.
7. A Wisebread writer argues why it is pointless to make big New Year’s resolutions. Maybe we should all start small!
8. Invest It Wisely offers advice on how to get rid of student debt.
9. If you plan to ask for a raise in 2012, follow these steps from Prairie Ecothrifter and learn how to get a salary increase.