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This week: ending self-sabotage, teaching your kids about money, lowering your life insurance premiums, taking money advice from your spouse, and 30 signs you were raised by frugal parents.

1. Put an End to Self-Sabotage and Don’t Undermine Your Vision

[Dumb Little Man] Whether it’s at work or at home, we all have a vision of the way we want life to be. So why haven’t we realized it? That’s the question asked and answered in this post by Early Jackson.

The reasons you may not be achieving your vision? Jackson suggests it’s often related to an unrealistic time frame, unrealistic skill set or the wrong support group.

If you find yourself sabotaging your own success, you need to check out this post.

2. Teaching Your Kids About Personal Finance

[Financial Highway] This guest post from Peter Briger has 11 specific tips to help your kids grasp money concepts before they start grasping actual money. Ideas include teaching by example, using everyday experiences, emphasizing saving over spending, deconstructing advertising and going over receipts together.

I’ve read lots of articles on this subject: This is a good one, with suggestions I haven’t seen elsewhere. Check it out.

3. Have You Thought About Renegotiating Your Life Insurance Premiums?

[Free From Broke] Once you’re locked into a life insurance policy, you might assume there’s no way to lower the premiums. While that can be true, it isn’t always.

If you make positive changes in your life, like quitting smoking, losing weight or getting a lower-risk job, you might be able to challenge the cost of your policy.

There are hoops to jump through. For example, you’ll likely have to supply at least a year of history to back up the changes. But if you have a life policy and have made your life less risky, read this post.

4. Should You Take Money Advice From Your Spouse?

[Girls Just Wanna Have Funds] This post was written by a female financial planner, and really should be called “Should You Take Money Advice From Men?”

But the advice author Hilary Martin offers applies to both genders. Before accepting investing advice, she suggests asking yourself three questions:

  • “Are his finances in order?”
  • “Does he have an investment philosophy?”
  • “What returns does his own portfolio earn?”

While I do think Martin’s advice is spot on, there’s one sentence from her article that slapped me the face: “Men are overconfident in their ability to predict market movements, they trade ineffectively, have high costs and end up buying high and selling low.”

While there has been research indicating men are more likely to exhibit these negative investing characteristics, let’s be careful about making blanket statements, shall we?

5. 30 Signs That You Were Raised by Frugal Parents

[Wise Bread] Both of my parents grew up in the Depression. Trust me: They were fugal. So I had to check out this article from author Kentin Waits, who also writes for us, expecting all 30 signs would fit me like a glove.

Some did. For example, I’m likely to save rubber bands, I know how to sew on a button, I know what Green Stamps are, a little mold on bread or cheese doesn’t cause me to immediately toss it, and I have hotel shampoos in my house.

But a surprising number of signs of frugality didn’t apply to me. I wouldn’t stop to pick up a penny, or wash and reuse tin foil. Nor do I know how to can food.

Check out the full list and see what influence your parents had on your financial life.

What do you like?

We’re always on the hunt for talented personal finance writers and interesting sites. If you’ve got a favorite, let us know below or on our Facebook page! You can also talk to us about anything you’d like simply by hitting “reply” to your daily email update. (Not subscribed? Fix that right now!)

Stacy Johnson

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I know... every site you visit wants you to subscribe to their newsletter. But our news and advice is actually worth reading! For 25 years, I've been making people richer without making their eyes glaze over. You'll be glad you did. I guarantee it!


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