Diamonds in the Rough Roundup 12/20/13

Here’s the latest round up of great articles around the personal finance world:

Bad Retirement Advice by Student Debt Survivor:  The key to having a healthy retirement fund is to start early.  You don’t even have to be contributing a lot, just $50/month to start.  The power of compound interest is so profound that it is not a smart move to put off contributing to retirement.

5 Tricks to Save Money At Starbucks by  Getting coffee at Starbucks has become a staple for many people nowadays.  While the idea of paying 4-5 bucks regularly on a drink doesn’t seem too appealing, there are some ways to bring that price tag down.  Obviously, an even better way would be to reduce or eliminate the amount of times you visit Starbucks.

Want to Save $100,000 on Your Mortgage?  Improve your Credit Score by Enwealthen:  Improving your credit score is one of the easiest and quickest ways to spend less.  Most people will get a home mortgage or auto loan at some point in their life, and having an excellent (not just good, but excellent) credit score can make all the difference.  The main things to remember are to pay your bills on time and use a credit card every once in a while.

The lessons I learned paying off all$35,000 of my credit card debt in 2013 by Debt Blag:  Getting into credit card debt can be very debilitating to your finances.  This post shows you how to do it the right way.  Cut your expenses as much as you can, work your butt off and put any extra payments towards the debt.  If you’re not willing to make the big changes, that debt will always haunt you.

Marriage and money: the financial implications by Color Me Frugal:  Marriage is a big step on so many levels, and is definitely a big financial step.  If a couple have very different views on finances, there can be some things that need to be worked out.  Getting both partners on the same page is imperative.


Much thanks to the following bloggers who shared my work on their pages:

Carnival of Financial Independence at Reach Financial Independence

Personal Finance Carnival at Aspiring Blogger

Yakezie Carnival at Faithful With a Few


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