Singer Jack Johnson, a five-step plan, a gas hike, good habits and more.

1. Jack Johnson on Personal Finance

Lazy Man and Money — The Lazy Man makes clear that this post is not an advertisement. He loves Jack Johnson (singer, song-writer), and believes his lyrics provide financial wisdom. The Lazy Man uses lyrics from Johnson’s 2002 song “Gone.”

“Cars and phones and diamond rings, bling bling… Those are only removable things.” Sounds like Johnson understands the difference between materialistic things and things that have real value. Do you have a favorite artist who speaks about personal finance issues?

2. How To Get Out Of Debt Forever: A 5 Step Plan

Money Smart Guides — Jon provides a ton of information. He also tells his debt story, just so we understand that he overcame his own debt disability. His debt issue began in college but grew after he graduated and couldn’t find a job. He then recounts his “light bulb moment” when he knew something must be done about his spending problem.

What follows is a comprehensive guide geared toward solving a drastic debt problem. The guide includes five steps and five solutions for getting out of debt. I really enjoyed this post because he uses his debt experience as an example as he runs through the steps and solutions. Check it out.

3. Trump Open to Gas Tax Hike — Here’s How to Cut Your Fuel Costs

Money Talks News — Krystal says, “The federal per-gallon taxes of 18.4 cents on gasoline and 24.4 cents on diesel haven’t been raised since 1993.” That may change if President Trump decides to hike the federal tax.  If he does, she provides a few tips for saving money.

I like the first tip, using warehouse clubs like Costco. They usually have cheaper gas, but then you must also join the club. Krystal also provides a link to how U.S. drivers waste billions on expensive premium gas. If your car’s manufacturer doesn’t recommend using premium, use regular.

4. Why Good Habits Are Better Than a Strict Budget

Mom and Dad Money — We could debate Matt’s theme regarding budgeting, but his ideas are really insightful. And you could always combine budgeting with building good habits. Anyway, he says budgeting forces us to use “limits” — and if you exceed those limits “you messed up.”

He provides four things he doesn’t like about limits (“limits are stressful”) and then discusses creating good habits. Good habits include paying your bills on time, “automating your spending,” and more. He believes once you have established these habits you’ll make “effortless” financial progress. Give it a try.

5. What Do You Value: A Priceless Perspective on Spending Money

brokeGIRLrich — Mel wants us to carefully think before we make a purchase — especially if the purchase costs a ton. This makes sense. Too many people buy things without thinking about “factors like cost and usefulness in order to arrive at what you can consider to be an item’s true worth to you.” We call it emotional spending.

She provides four things we should consider before a purchase. I like the third one: “Look at the Bigger Picture.” She says produce a list of pros and cons. Some purchases require future maintenance or insurance. These additional expenses may make the purchase unaffordable.

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Brian Bienkowski

Brian Bienkowski


Bienkowski is a contributing writer and is the face of's 'By the Numbers' videos.

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Article last modified on January 17, 2018 Published by, LLC . Mobile users may also access the AMP Version: Around the Web: Spending Money Tips - AMP.