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The Golden Money List: Hundreds of Tips for Turning Your Financial Life Around

By SysBots

Ever since I got out of debt, I haven’t written much about personal finances, simply because it’s not one of the main focuses in my life. Still, I’ve written a lot about finances in the past — frugality, debt reduction, budgeting, and more — and I think there are a lot of useful articles that newer readers might have missed.

I’ve learned a lot about personal finances in recent years, and I hope my lessons will prove valuable to you, or at least stir up some thoughts that help you in your journey.

I’m not a financial expert, of course, and all of this is simply from my personal experience, with my odd personal take on finances — don’t get into debt, be frugal, eschew credit cards. Please, please don’t start the old credit card arguments again — we’ve gone over them many times on this blog.

So here it is — a list of the best money articles on Zen Habits, as a resource for anyone trying to live more frugally, get out of debt, save money, or simply create a better financial system in their lives. Bookmark it for future reference if you like. Enjoy!

My Favorites

  • 20 Money Hacks: Tips and Tricks to Improve Your Finances
  • Financial Zen: How to Get Financial Peace of Mind
  • How to Make Your Finances Automagical
  • 10 Habits to Develop for Financial Stability and Success


  • The Cheapskate Guide: 50 Tips for Frugal Living
  • 50 Tips for Grocery Shopping
  • Top 25 Life-Improving Christmas Gifts for Under $10
  • 30 Frugal Gift Ideas to Show You Appreciate Someone
  • The Cheapskate’s Bible: The Complete Tightwad Gazette
  • Monitor Your Impulse Spending Urges
  • Cheap but great dates
  • Simple Way to Save $3,000 a Year: Brown Bag It
  • 50 Ways to Be Romantic on the Cheap
  • Enjoy Life Now, AND Save for Later; or, Why Delayed Gratification is a False Dichotomy
  • 106 Money-Saving Tips for a Frugal Lifestyle

Debt Reduction

  • The 10 Key Actions That Finally Got Me Out of Debt; or, Why Living Frugally is Only Part of the Solution
  • 73 Great Debt Elimination Tips
  • The 12-Step Get-Out-of-Debt Program
  • Fiscal Fitness: Eliminate Debt with 10 Successful Diet Principles
  • 10 Ideas for Living a Life Without Credit or Debt
  • How I Ended My Love Affair With the Credit Card (and Why I Use Cash)
  • Eliminate Debt with the Snowball
  • How to get your credit score up, and how not to care

Budgets and Such

  • Simple Finances: How and Why to Build Up a Cushion in the Bank
  • How to Stop Living Paycheck to Paycheck
  • 10 Ways to Simplify Your Budget
  • 21 Strategies for Creating an Emergency Fund, and Why It’s Critical

And More

  • The Six Key Steps to Healthy Finances in Your Relationship
  • 10 Ways To Improve Your Financial Situation In Just 15 Minutes
  • 10 Lessons to Teach Your Kids About Money
  • 7 Things You Can Do Today to Prepare for Retirement
  • 6 Great Free Alternatives to Quicken & MS Money
  • Automate Your Income to Simplify Your Life

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