Personal Finance Round-Up: Don’t Blindly Obey, Learn Then Choose

rebel graffiti wallI’ve always been one to fight against the arbitrary. In fact, I was never able to follow rules in my younger years (or now for that matter) – rules which I thought were only there to be obeyed but didn’t really serve a purpose. It’s just something that I was born with, and while it has caused me grief in life, I have grown and learned so much because of that character trait. I also now understand that some things weren’t just rules to be rules; they actually did have a purpose that I simply couldn’t see.

When I read this article by Debt Free Adventure entitled How to Save Money, I saw exactly where the clients of his were coming from. They saved only because they were told to save and never looked past that “rule” to see why. So the problem was less about how to save and more about why you save. Knowing your own situation and knowing your plans for the future, not tomorrow or even this week, but what you plan to do when it’s time for you to retire, is more important. Saving without a clear reason is just as foolish as not saving at all. So get to know your future, plan it out, and discover why you’re saving.

Once you know why, check out some of these other resources to learn how:

6 Ways to Save on Back-to-School Basics [Financial Highway]
School supplies go far beyond just books, especially as your kids hit their teen years and really start to get involved in the real world. Do yourself a favor and use these tips to save on the most common back-to-school expenses.

Simple Daily Habits to Ignite Your Passion [Zen Habits]
Sometimes great ideas come out of nowhere, but more often than not, great ideas and greatness itself is culminated over time by the right atmosphere, the right people, and the right habits. Don’t live without your passion because that life will be full of regret.

Mental Mistakes That Make You (And Others) Feel Like Crap [Dumb Little Man]
A bad mental atmosphere isn’t any good to anyone, even if you aren’t the one that created it. This list of mental mistakes is best avoided or corrected quickly.

Frugal Summer Activities in Your Community [Frugal Upstate]
It’s amazing what kind of things you can find in your very own community when you go looking for them. Those little discoveries, like the hidden park or forgotten library, are a treasure trove on hot summer days.

What You Need Is What You Have [Canadian Personal Finance Blog]
What is satisfaction exactly? Some of us have yet to answer that question in our own lives. We continue to look at what else is out there, but a time will come when we all realize that what we have is exactly what we’ve been looking for.

Why You Need to Let Go Already [The Renegade Writer]
People don’t like change. It’s in our nature, but when you hold onto something that isn’t the best thing in the first place, you are sacrificing growth for comfort. Don’t do that; it’s time to let go and grow.

7 Time-Saving Tricks Every Entrepreneur Should Know [SohoOS]
As an entrepreneur, your time is your livelihood. You run the business, you provide every service to your clients, and your time is your most valuable asset. Here’s how to save just a bit more of it.

6 Smartphone Shopping App Traps [Bankrate]
There are a ton of great apps out there to help you save money when you shop, but used in the wrong way, even the best can become a problem. Check out the traps which should be avoided in every aspect of life.

Price Trends: When to Buy a Mac [dealnews]
Timing is everything, especially when it comes to big purchases like a computer. Macs may be pricey, and their sale very controlled, but you can still get a great deal by timing things right.

How to Be Rich and Happy [How to Get a Grip]
Being happy is all about perspective. Surround yourself with things that lift you up, not those that tell you that you aren’t good enough.