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Welcome To Money Smart Guides!

Overwhelmed by debt? Want to make investing a breeze? The goal of this site is to help you get out of debt and start investing for your future. If you are unsure where to start, click here to begin. I will break everything down for you in small, obtainable steps so that you can take control of your finances once and for all.

Carnival of Financial Planning – Time Is Running Out Edtion

pulling out hairWelcome to the Carnival of Financial Planning – Time Is Running Out Edition! I chose this theme for the carnival because I heard a report on the news that close to 50% of people aren’t done with their holiday shopping yet. Not to brag, but I got mine done weeks ago! I also hears a report that retailers are guaranteeing delivery of your online purchases as long as you order by December 20th. My question is, how can they guarantee it when it is out of their control?

If you get your package on time, they win as they kept their promise and you shop there again. If you don’t get your package on time, the retailer blames UPS/FedEx/USPS and you do too.

Anyways, in between the hustle and bustle of shopping and wrapping, take some time to remember where you want to go financially in the weeks, months and years ahead. Here are some great blog posts that can help with that.

BUDGETING AND ECONOMICS

Maria @ The Money Principle writes Get Your Debt, Before Your Debt Gets You: the six rules of debt busting – Yesterday I read the story of a guy who took loads of pills and booze trying to kill himself because of debt.

Justin @ Edward Antrobus writes 6 Ways Shoppers are Deceived! – Brands and advertisers use specific marketing tactics to convince shoppers to make purchases There are some tactics that they use that, while not illegal, border on being unethical.

Katie @ IRA Basics writes 4 IRA Withdrawals that Actually Make Sense – Withdrawing funds from a traditional IRA before a person turns 59 ½ usually means that they’re going to pay a lot of taxes and penalties.

Amy @ Money Mishaps writes These are the Biggest Money Mistakes Couples Make When Divorcing – When people get divorced, it’s the spouse who hasn’t had a whole lot of experience with the family’s finances that often ends up on the short end of the stick.

Jay @ Daily Fuel Economy Tip writes How to Save on Gas – Uncommon Ways – I will describe a few less common ways you can save on gas – I hope you will find them useful.

Daniel @ Make Money Make Cents writes The Expenses of Buying and Owning a Home – From finding the perfect mortgage with the appropriate fees, to the year round upkeep and maintenance, this investment requires a lot of time and capital.

Brock Kernan @ Cleverdude writes Dear Garbage Company: I’m Moving On – My garbage company offered to keep my rates the same for 2 years, so how did my bill go up by 30%?

Jeremy @ Modest Money writes 3 Habits of the Highly Effective Blogger – You aren’t born a successful blogger. People with successful blogs are an odd breed. A lot of us aren’t writers by trade, and many of us have just stumbled into the niche we inhabit

CAREER AND INCOME

Kayla @ Shoeaholic No More writes Trying Out Full Time Freelancing – Last week I had the opportunity to test out what it would be like if I were a full-time freelancer, and it was awesome!

Jon @ Penny Thots writes How To Make Money With Photography – You love taking pictures. Going out and seeing the world through a lens provides you with happiness and relaxation. While many enjoy photography just for the pleasure and joy that it brings, others are interested in turning their hobby into a side income.

INVESTING AND SAVING

Little House @ Little House in the Valley writes There’s No Time Like the Present to Start Investing – The best time to start investing is 20 years ago. The second best time to start investing is today. There are plenty of other ways you can make sure you have enough for retirement, and maybe a little extra to enjoy now.

Matt @ Budget Snob writes Investing Doesn’t Take Genius Intelligence, Just Common Sense – A quote that’s attributed to Albert Einstein goes something like this: “Insanity is doing the same thing over and over and expecting different results.”

Hadley @ Epic Finances writes Stock Investing Myths and Truths Part 4 of 4 – Even though there’s plenty of information about what works and what doesn’t when it comes to investing in the stock market, many myths still refuse to die.

RETIREMENT AND TAXATION

Michael Kitces @ Nerd’s Eye View writes Tax Extenders Reinstated Temporarily, But ABLE Act Of 2014 Will Permanently Change 529 Plan Landscape For Special Needs Beneficiaries – Late last night, the Senate passed H.R. 5771, known as the Tax Increase Prevention Act of 2014 or more simply as the “Tax Extenders” legislation.

Last Minute Christmas Gift Ideas Under $20

20 dollar bill

Oh no, you waited until the last minute to do your Christmas shopping, and unfortunately you don’t have the budget to just throw money at the problem. So what can you do? Luckily there are a number of options for quick, easy, last minute Christmas gift ideas that you can put together for twenty … [Read the full article]

The Round Table – December 14, 2014

wood round table

I hope everyone had a great Thanksgiving and is getting ready for the holidays! We had an awesome Thanksgiving and just decorated our house for Christmas this weekend. My shopping is just about done too. I took a few hours on Cyber Monday to buy all of my gifts. Was it me or were this year's Black … [Read the full article]

Tips To Avoid Debt When Holiday Shopping

avoid debt when holiday shopping

It can be easy to get carried away with holiday shopping. It’s a magical season, and the spirit of giving can be almost intoxicating as you dart from store to store trying to find the perfect gift for everyone on your list. However it’s important not to go too far and end up spending yourself into … [Read the full article]