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Jesse Michelsen
Jesse Michelsen is a 23 year freelance writer with a passion for personal finance. Without any formal education in finance, he writes about his own experiences in managing money, budgeting and investing with the goal of retirement at 40 always in mind. He resides in Utah with his wife, 2 girls, and baby boy on the way.

Personal Finance Round-Up: Planning a Debt Free Christmas

By Money Crashers

It seems in the past decade, Christmas has gone from feelings of excited anticipation to dread. It used to be something that we all looked forward to because it meant we got to spend time by the fire out of the cold with our families, got to eat big delicious meals, and could exchange heartfelt gifts with those we care about. Now, it has simply turned into loads of stress wrapped in a big price tag.

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Personal Finance Round-Up: Do You Take Parenting Tips From Celebrities?

By Money Crashers

Parenting is a full time job and anyone with kids won’t argue with that; it takes a ton of time, effort, and, most of all, patience. We are always looking for new tools that can make the job more efficient and a little easier on both our spouses and ourselves. Teaching methods are important as well, as parenting is not only about keeping your kids fed and alive, but also about teaching them the things they need to know to grow and become a contributing member of society.

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Personal Finance Round-Up: Age Is Just A Number

By Money Crashers

Retirement age is a pretty big topic in the personal finance world, and in the real world, just the mention of changing that retirement age by only a few years has caused quite the stir in France.

On the topic of retirement, the Monevator wrote an article this week titled Investing for 100-year-olds. The piece discusses the fact that we underestimate our life expectancy, and, as a result, have adopted a behavior of segmenting our lives and choosing what activities we do at specific ages. The problem with this routine is that it does not account for longer life expectancies. Sure, we could die tomorrow, but chances are that many of us will live a long and healthy life if we take care of ourselves and don’t take unnecessary risks, so we really should think beyond tomorrow, beyond next year, and beyond the age of 65 (or 67, sorry France!) when planning our financial futures.

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Personal Finance Round-Up: Here Comes Winter, Are You Ready For The Cold?

By Money Crashers

Winter is almost here and some areas of the country are already feeling it. For some that can be a pretty scary thought. Winter brings with it discomfort, illness, danger on the roads, and additional costs such as heating, warm clothing, winter tires, and home repairs. Preparing your home for the winter can be a big task in both price and effort, and if you ignore the coming cold, you could be in for a chilling surprise.

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Is Shopping With Kids Wearing You Out? Try These Tips

By Jesse Michelsen

As a parent, shopping with your kids can be a frustrating and exhausting experience. When your child is not crying for this thing or that thing, they are sneaking things into the cart or making a big mess in the aisle. Here are some tips to keep things under control and create not just a tolerable experience, but also an enjoyable and fruitful one for both you and your child while doing the shopping:

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Personal Finance Round-Up: Would You Take The Dive For Frugality?

By Money Crashers

There has been a great shift in the way we look at clutter recently, and as a sign of that shift, minimalism has really taken off. But with all this decluttering everyone is doing, where does everything go? In my own life, the things that are scrapped usually either are sold at a tiny little portion of the original amount paid for them, or things are donated to Goodwill, at which point, someone else will pick them up and discard them the same way I did after a month. The life cycle of clutter really is fascinating.

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How To Have A Safe And Practical Halloween

By Jesse Michelsen

Do you smell that? That’s the smell of fall! And with that smell comes all the fun things you get to do in October like planning Halloween festivities, putting together an intricate and spooky costume that even your own kids won’t recognize you in, and scaring your in-laws with a huge Jack-O-Lantern carved like a creepy ghoul or ghost. And perhaps the best part is all of the goodies floating around offices and in everyone’s homes!

October is a really fun and exciting time of year but if you are unprepared and don’t plan ahead, Halloween can quickly turn into a nightmare (pun intended).

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Personal Finance Round-Up: You Don’t Need To Dread Your Job

By Money Crashers

Working is a simple fact of life. In order to have the means to do the things you want to do and to live the way you want to live, you have to work in some way or another. Some people find their jobs awful, boring and unbearable; others find them interesting and love what they do. This may be a result of individual attitudes towards life, but there are so many factors that go into whether or not you enjoy what you do that it’s hard to say one way or another.

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Personal Finance Round-Up: Are Coupons Worth It?

By Money Crashers

The Index This week I want to talk about something we have all come to know and love but somehow always seem to ignore: coupons. We ignore them as being too inconvenient and not worth the time. But are we too quick to dismiss the potential savings earned through couponing? I’m not saying every one of us needs to devote our lives to coupons and sales, but we all need to realize how much savings we are missing out on by not just taking a few minutes each week trying to shop intelligently. David wrote an interesting post this week about being an extreme couponer and the different degrees of couponing. There were numerous comments from people chiming in on the topic and it was pretty neat to see the intense discussion. Also, I wanted to quickly mention a new site, Money Index, that recently popped up which aggregates posts from all of the various personal finance blogs. It’s a pretty neat idea and cool concept.

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Personal Finance Round-Up: They grow up so fast!

By Money Crashers

I’ve got two kids and another on the way, so studying the behavior and thought patterns of children is really interesting for me. When I read this article titled If You Give a 7-year-old $100 by Julie Meyers of Just Precious, I knew I had to share it.

In the article, the author notes the mental and emotional burden that giving a sever-year-old child $100 dollars and sending them into New York City can bring. By the end of the story she did find a solution to the boy’s urge to spend the whole $100 on toys and things they would have to haul around during the rest of their stay in The Big Apple.

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Personal Finance Round-Up: ‘Tis the season…Football season!

By Money Crashers

It’s that time of year again when everyone starts making their football team picks, betting pool sign-up sheets start circulating around the offices, and guacamole sales go through the roof. It seems everyone wants a piece of the action, even around the personal finance sector. Here’s a great football inspired piece by B. Simple of Simple Financial Lifestyle that takes the art of the tackle to a whole new level:

In the piece titled, Simplify your Finances one tackle at a time, B. Simple breaks down some of the most crucial areas of personal finance into very bite-sized, simplified steps, all in the name of simplifying your finances.

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Personal Finance Round-Up: What’s Your Emergency Fund Look Like?

By Money Crashers

Are you prepared for an emergency?Emergency funds are essential to a stress free financial household, but how they are handled can vary so widely between individuals, it’s hard to know what to do when it comes time to plan for the curve balls life can and will throw at you. Some go the conventional way, while others take more complex and dynamic approaches, but it’s safe to say, those in the know have a plan for emergencies and a fund to back it up.

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