7. Create a personal development plan. A good personal development plan takes all these factors into consideration—the WHAT, the HOW, the WHY, and the WHEN. And it focuses on long-term goals.

Penny Pinchin’ Mom Penny Pinchin’ Mom is another fun, woman-owned personal finance blog. Tracie Forbes, aka the Penny Pinchin’ Mom, emphasizes coupons, deals and DIY tips to help you save money.