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Going Frugal: Prioritize for 2009

We’re inching closer to the end of 2008 and the beginning of a new year.  Many of us have time off during the next week, time to spend with family and friends in celebration of the holiday season.

My suggestion to you is to block off an hour or two of that time to sit down and have an honest reckoning with yourself or with your spouse about your current financial situation and your future financial goals.

It’s easy to make a vague New Year’s Resolution to save more or to spend less; I’ve done it myself.  But without a plan in place, and without a full acknowledgement of the state of your financial health, you’re setting yourself up for failure.

With that in mind, I’m going to send you to these great links to help you jumpstart your financial resolutions for 2009; I’m sure there’s something here that you’ll find useful or eye-opening.

And if I don’t chat with you here at Sisterly Savings before next week, I want to wish you and yours a very merry Christmas!

As presented by the M-Network, here are the 12 Days of Christmas, Personal Finance Style for 2008:

• Day 1 – The First Rule Of Personal Finance @ Paid Twice
• Day 2 – Two Financial Goals – Less Debt, More Income @ Cash Money Life
• Day 3 – 3 New Year’s Worksheets @ Mrs. Micah
• Day 4 – 4 ways to be better prepared for Christmas next year @ Gather Little By Little
• Day 5 – 5 Golden Rules To Follow During The Holiday Season @ My Two Dollars
• Day 6 – 6 Ways To Give@ Moolanomy
• Day 7 – 7 Savings Strategies @ Being Frugal
• Day 8 – Eight Simple Snowflakes @ Paid Twice
• Day 9 – 9 Year-End Money Moves@ Moolanomy
• Day 10 – 10 Personal Finance Essentials @ Cash Money Life
• Day 11 – 11 Ways To Decorate@ Plonkee
• Day 12 – 12 Steps to a Prosperous New Year @ Being Frugal