January can be a depressing month.  The holidays are over, our waistlines are larger thanks to holiday season gorging, and we have all these new goals and resolutions to contend with (and obviously feel guilty over).  Most importantly, January comes with the aftermath of frivolous spending during the holidays (Christmas and boxing day).

I guess for every cloud there’s a silver lining and 2013 seems like an exciting year ahead.  First of all, we survived the possibility of the Mayan calender running out on December 21, so that’s definitely exciting.  I will officially not be in my 20’s anymore in 2013 (which is a scary scary thought in itself!).  I will be finished school (finally!) in 2013 and so there will be even more change.  Another large change is starting off 2013 single, thanks to the non-committal ex-boyfriend of mine.  Certainly a fresh start in the relationship department for 2013 (if I can find a relationship that is, har har).  Dating also means more added expenses (though not necessarily I suppose) because dating (versus hanging out at home on the weekends) is expensive!

Readers, what does 2013 have in store for you?

PF Blog Love

Teacher Man @ My University Money writes How Much to Tip When You Are a Poor Student – The whole topic of how much to tip has been done to death in my opinion, but are “the rules” always the same for everyone?

Miss T. @ Prairie Eco Thrifter writes 6 Tips for Setting Better Goals – Whether you are setting goals for the new year, or whether you just want to continue to improve yourself, here are 6 tips for setting better goals:

Lazy Man @ Lazy Man and Money writes How to Be Successful in the New Year – With many people looking to have their best year ever, here’s my best attempt at constructing a plan of attack.

Little House @ Little House in the Valley writes Splurging on Myself to Save My Feet – With the holidays now behind us, it’s time to take inventory of our personal finances; pay down those credit cards, save more money, map out a savings goal, etc. But, before I do any of this (except maybe the first one) I need to splurge on myself a bit. I’m in dire need of some really great shoes that will support many hours on my feet and walking.

Girl Meets Debt @ Girl Meets Debt writes Cheap Date Ideas – The ideas that I am going to suggest are not going to be new, earth-shaking creative, but I can promise that they are all going to be fun and might even impress your significant other for suggesting something that is easy on his (or her) pocket.

Don @ MoneySmartGuides writes Six Money Moves to Make in 2013 – Recently, The Wall Street Journal posted a story about six money moves you should make in 2013. These aren’t the typical [increase your 401(k) contribution rate], but other financial moves that can have a big impact on your finances.

Lance @ Money Life and More writes Why Is My Paycheck Smaller? Understanding Your 2013 Paycheck – If you’ve received your first paycheck of 2013 you’ve likely realized that your 2013 paycheck is smaller than your 2012 paychecks were. It is a sad realization but there are a few reasons why your paycheck may have gotten smaller in 2013.


Robert @ Kids Ain’t Cheap writes Breastfeeding at Work? – One sector of our health department is telling her, and all women, to breastfeed anywhere and everywhere while another sector is conflicting telling her to breastfeed privately and not at her place on employment, a restaurant.

Amanda L Grossman @ Frugal Confessions writes 4 Positive Financial Moves We Made to Our Bottom Line in 2012 – At the end of the year it always feels like time has slipped away for me.

Eddie @ Finance Fox writes 4 Avoidable Money Mistakes – When it comes to money there are many avoidable money mistakes to avoid no matter whom you are or at what age

CAPI @ Creating a Passive Income writes Bloggers Beware: Passive Income on the Rise – The web has become a proverbial madhouse of information, tutorials, and how-to websites as a growing number of people tap into the masses of people seeking guidance on everything under the sun. Blog topics are as varied as the people in this world and seek to occupy a new space in our hearts.

A Blinkin @ Funancials writes Why I Think We’re Adding The Wrong Jobs – A lot of people played up the fall in the unemployment rate from 7.9 to 7.7 Percent as a sign that the economy is improving. I’m not one of those conspiracy theorists that believes all government numbers are fudged, but I think the media can do with them what they want.


Crystal @ Budgeting in the Fun Stuff writes Budgeting in the Roommate Stuff – I was asked Can you do a post on how having roommates affects your budgeting? Yes, yes I can.

Aloysa @ My Broken Coin writes Confessions of a Deranged Shopaholic – Hi, I am Aloysa, and I am a shopaholic. But you already know this. The other day, one of my friends asked me if I knew how much money I spent on shopping in 2012. I was clueless. But being curious by nature, I pulled up all my bank account statements and did some research.

David Leonhardt @ The Other Blokes Blog writes Why I am raising my kids to be generalists – The stage performance of Billy Elliot (the musical) we took in recently was more than just a dazzling display of first-rate entertainment and a hyper-politicized ode to coal and labour unions. It was also a poignant reminder of one of the reasons I am raising my girls to be generalists.

Daniel @ Sweating the Big Stuff writes Have You Heard of Dependent Verification? – I can’t stand people who game the system at other’s expense…and insurance seems to perpetually fall into this category. This year, my employer announced a new program to combat insurance costs (i.e. fraud)

Suba @ Broke Professionals writes My Husband’s Coworkers Think I’m Cheap – I’ve always been proud of my frugal habits – until my love of saving money got me teased at my husband’s office party.

Tushar @ Earn More and Save writes How to Apply for a New Job on the Down-Low – How to find better-paying career opportunities and apply for a new job without tipping off your current employer.



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