We all made it onto the right side of 2012!  Happy New Year to you and you family.  I’m convinced that 2012 will be a banner year for me when it comes to both reducing my debt and increasing my income.  I have a kind of a weird electrical feeling pulsating around me, leaving me feel charged and pumped up about the New Year.

I’m so incredibly excited at the prospect of what is coming, that it’s almost a palpable thing.  I don’t know exactly what’s a head, but I know that I’m in charge of my own destiny.

I joined a new challenge for 2012.  It’s the $30K Challenge by the Online Money Bloggers.  This is a list of 30 bloggers, myself included, who have challenged each other to make $30,000 through our blogging efforts in the year 2012.  It’s not an going to be an easy challenge since I will need to make $2,500 each month to meet this goal.  That’s a huge undertaking, but I’m willing to at least try.

Every month, as I usually do, I will update you on how much I have made online and where my sources of income originated from.  You can always try to challenge yourself with making extra money as well!  Wish me luck.

On to some of the best posts that I found this week:

• Stay on Top of Credit Card Payments – How to Make Sure You Pay Your Credit Card on Time by Glen at Free from Broke.  I don’t think that I’ve missed a credit card payment in the past 10 years and neither should you!
• Not many people have been paying attention to this, but Wells Fargo made a major change to their policies which can have a huge impact on thousands of customers. Consummerism Commentary wrote Binding Arbitration: Wells Fargo Taking Away Customers’ Rights.
• Financial Samurai  wrote about The Average 401k Balance And Why It’s Too Low.  My 401K is in need of a major cash infusion.  And taking a pay cut to start a new career in a new field at a new job didn’t help, but I’m happier!
• Young and Thrifty has a series entitled How to Rent our Your Basement Suite.  I’m linking to part 1 but this is part of a series.  I’ve been trying to convince my mom to do this since Social Security isn’t enough for her to live on, especially with my sister starting high school in the fall.

Alright, go off and enjoy your time off.  I’m actually going OUT today on a date with the BF.  We haven’t had one of those in years.  Don’t worry, I have a coupon.  😉