Personal Finance is Personal
A phrase that I often heard while growing up is, “Take the meat, and leave the bones.” In essence, the phrase means that you should take what is valuable or applicable to you and leave behind what is of no use. Chances are that if you read a personal finance article, the article will not be customized to every nuance of your specific financial circumstance. If you expect it to be, it is likely that your expectation will not be met.
This is where modifying any relevant tips is helpful. Workout routines are a good example. I recently completed Shaun T’s Insanity workout, and I modified the heck out of it. If a circuit involved various pushups, and holding a plank was all that I could do at the time, then holding a plank was all that I did. Modification is also the magic that makes personal finance personal.