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Having ready many books about personal finance and money management over the last decade, I recognize most new books as offering nothing particularly new to readers. Some of the world’s favorite money gurus rehash the same ideas repeatedly, some on a predictable yearly release schedule, and these books become best-sellers due to the names attached. There have been some notable exceptions to the endless supply of old ideas, and I try to recognize them when I can.

There is a reason for repetition, though. Here are a few:

  • You might have missed “Get Out of Debt 2012″ because you weren’t thinking about money at the time, but “Get Out of Debt 2013″ was released at the perfect time for you.
  • “Wealthy Dad, Middle-Class Dad” might not have been a book that caught your attention, but “Wealthy Sister, Middle-Class Sister” was recommended by your favorite talk show host.

Kimberly Palmer's Money PlannerKimberly Palmer, the author of Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back, has decided to take a different approach with her latest project. Kimberly has been a guest on the Consumerism Commentary Podcasttwice — and she also writes for U.S. News and World Report.

The author has created a series of workbooks, meant to appeal to those of us who are more creative, designed to help guide participants through the financial aspects of life. The workbook approach transforms readers into participants, and if the workbooks are engaging, they can be much more effective in someone’s life than just reading a book.

Normally, I’m not a fan of worksheets. These are great learning tools for elementary school students, and any time I’m asked to complete an assignment like that, I begin to think that the author is treating readers like children. As I’ve discovered by maintaining this website since 2003, writing things down works to change your life. Once you complete a worksheet that asks you to write down your financial goal for the year, that goes becomes real. It adds a level of commitment. While there are no consequences for missing your goal other than self-reprimand, writing things down can add motivation.

Kimberly Palmer is offering several self-published money planners on Etsy.

  • The Money Planner is designed as a companion workbook for Generation Earn. The activities match the book’s chapters.
  • The 2012 Money Planner breaks down the coming year by month, with tasks appropriate for the time of the year.
  • The Debt-Free Planner focuses on the one specific task of eliminating debt.
  • The Baby Planner helps expecting families get ready for the new financial responsibilities of having kids.

Kimberly Palmer's Money Planner, Page 1The first three planners are also available as a bundle.

To get an idea of whether these planners are right for you, I’ve included the first page of the Money Planner. Kimberly indicates the creative and visual approach will appeal more to right-brainers like herself. Whether your mind is ruled by the logical or creative aspects of thought, anything that inspires you to take action will help improve your finances.

The key to success is maintaining your motivation over a long period of time, and workbooks can inspire success more than typical books. In the end, however, success depends on a family’s or individual’s ability to maintain focus and motivation.

If you’re interested in one or more of Kimberly Palmer’s Money Planners, visit the author’s Etsy shop.

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Out of the hundreds of emails I receive every day, many requests I receive are from writers who would like to contribute to Consumerism Commentary in some form, such as a blog guest post. Many bloggers, particularly those whose websites are popular, can attest to receiving similar requests. They come from a variety of sources: freelance writers looking for work, other bloggers looking for exposure, and companies looking to get links back to their websites.

Although there are some periods of time I don’t accept any guest posts, I’m usually happy to entertain all requests. I’m busy, so it can be a great relief when I have the opportunity to let someone else write. I’m not able to respond to every email, though. I often spend as much time — or more time — proofreading and editing an article by a guest blogger as I would writing my own articles. In fact, guest articles often result in being more polished and more professional than the articles I write for myself! I am certainly not a perfect writer and I don’t expect anyone else to be perfect, but I tend to ratchet up the standards just a bit when it comes to guest articles.

Who is suited for writing on Consumerism Commentary

keyboardI do not accept guest articles from companies looking to advertise their products or services through the use of editorial content. Even a link back to a website is a form of advertising, and I do not accept link advertising. Consumerism Commentary does offer other options for effective advertising.

Before you ask to write an article for Consumerism Commentary, become familiar with the community. Participate in discussions on the website, become a fan on Facebook, and be engaged in other social media aspects of this website.

The right pitch for the right article

Sometimes, the first email I receive from an interested contributor contains the article in full. This is not a good thing. There’s a reason that television studios or producers don’t read unsolicited scripts. If they were to read a script, and they happen to use an idea that they received, whether intentionally or not, they could be exposed to legal issues. I will not read any article sent to me without communication beforehand.

I’m looking for topics and concepts that are somewhat original — anything that wouldn’t necessarily appear elsewhere. I appreciate relevant personal stories, detailed and well-thought-out analyses, and exercises in opinion if it’s clear why your opinions are exceptionally valid (for example, you’re an expert in that particular field). Some controversy is fun, but Consumerism Commentary is not a political blog. Rants and one-sided criticisms would not be appropriate for the website.

I’m open to any topics related, even tangentially, to personal finance except marketing, blogging, and earning income online.

It helps to understand the demographics of the Consumerism Commentary audience. According to Quantcast, the audience is weighted slightly above 35 years old, though there is a strong showing in the 18 to 35 age range. The audience is heavily weighted in favor of high income and graduate-level education. I won’t accept articles written to appeal to a fourth-grade reading level.

In your message to me, briefly explain who you are, why you’d like to write an article for Consumerism Commentary, what you expect to receive from the experience, and offer your idea. If you have several ideas and are willing to let me choose one, that is fine as well, but make sure you have at least one solid idea before contacting. Here’s a nice checklist to help ensure your message will make it through and I’ll respond to the request:

  • Who are you? Offer a brief introduction, particularly if we’ve never spoken before. If we have, remind me just in case. I meet many people, and I feel like my brain is shrinking on a daily basis.
  • Why would you like to contribute? If your intent is advertising, don’t try to hide it. I’ll see through that right away and I will simply ignore your email.
  • What are you expecting in return? I will link back to an author’s website in a bio or byline. It’s rare that I allow any other links unless they are highly relevant, pointing to research, academic studies, or non-commercial content. Guest authors are not paid.
  • What are your ideas? Usually, proposed article titles are enough in the initial email, as long as they are descriptive. If you want to offer more than a title, that’s fine, but do not send a full article.
  • Where can I find your writing? If you’re a published author, let me know. If you have a website or a blog where you write frequently, share the link. If you have any exceptional articles that reflect the type of writing you’d provide to Consumerism Commentary, please share.
  • What do you know about Consumerism Commentary? I would much more welcome a guest article from a frequent reader of this website than one from someone whose first visit was yesterday.

Be sure to proofread your message to me, as grammatical errors or a poor command of English could reflect negatively on your ability to produce an article for Consumerism Commentary. I’m not immune to typos, and I forgive them easily. With a large volume of requests, I pay attention to detail.

Once you are ready, you can contact me here with your idea.

Providing the article

Once we’ve agreed to a topic and discussed expectations for timing, send the first draft when it’s ready. Most of the time, only one draft is necessary. I don’t have specific guidelines for writing the article, but I do have a few small restrictions.

  • Don’t include any affiliate or SEO links.
  • Don’t promote a company’s product or service.
  • Don’t unfairly criticize a person or company.

Have someone proofread the article for you.

It is rare that after accepting a proposal I would reject the final article. By accepting the proposal, I have a good suspicion that the result will be suitable for Consumerism Commentary. I would not require a writer to go through the effort of writing and revising only to reject the outcome.

In terms of format, I prefer receiving articles in plain text with HTML tags if necessary. I will add appropriate styles and formatting. We use Gravatar for profile avatars, so make sure you have a high-quality Gravatar image associated with your email address. You may also provide a three or four sentence bio that will be included in an “About the Author” section. This bio will contain the link to your website or book, if you have one.

The legal bit

If you submit an article for publication on Consumerism Commentary, you must be legally allowed to do so. Primarily, you must own the copyright to the material you provide, and by providing material to Consumerism Commentary, you are transferring to us all your rights and interest to the content. The content you write must be completely original and never published anywhere else, online or offline, and it must never be published anywhere else in the future.

Benefits of contributing a guest article

Contributing an article to Consumerism Commentary can be a great way to reach a broad audience. Contributors and partners have benefited from increased traffic to their websites, more RSS and newsletter subscribers, and stronger brand awareness. Your content will reach over 15,000 RSS subscribers, Twitter followers, and Facebook fans, and through syndication deals, your article may appear on websites such as Forbes, BusinessInsider, MSN, Yahoo, and others. Quality articles will easily convert Consumerism Commentary readers to your own fans.

Here is a selection of the articles provided by guest bloggers at Consumerism Commentary from the past few years:

If the above sounds good to you and you’re ready to move forward with an idea for a guest post, contact me.

Photo: ian.schofield

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Today on the Consumerism Commentary Podcast, Tom Dziubek and Flexo talk to Kimberly Palmer, senior editor at U.S. News & World Report and author of the newly released book, Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back.

After first talking with Tom about Generation Y back in May, Kim joins the podcast once again. This time we talk about how young professionals should define money goals, how those money goals tie in to life goals, the right time to discuss finances with a your partner in a budding relationship, and other topics from her new book.

Consumerism Commentary Podcast #78
Generation Earn, Kimberly Palmer: S03E26 / 101

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Table of contents

[00:00] Introduction from Flexo
[00:36] Interview with Kimberly Palmer
[01:02] Generation Earn
[01:52] Financial goals for young professionals
[02:31] Tying financial goals to life goals
[04:16] Having an entrepreneurial spirit
[04:56] Combating spending
[06:42] Good debt
[07:51] Income smoothing
[09:02] Beating the finance industry at their game
[10:34] The correct amount of debt
[11:39] Simplicity vs. consumerism
[13:59] Discussing finances in a relationship
[16:42] Home ownership’s effect on weight and happiness
[18:57] Socially responsible companies
[21:20] Charity trends among young professionals
[23:00] Identifying the most efficient charities
[25:14] End

We always welcome feedback from listeners. If you have any comments for this episode or for any other, or if you have suggestions for future episodes, please leave us comments here or email us at podcast at this domain name.

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Our guest on today’s episode of the Consumerism Commentary Podcast is Kimberly Palmer, senior editor at U.S. News & World Report and author of the upcoming book, Generation Earn: The Young Professional’s Guide to Spending, Investing, and Giving Back.

Our podcast producer and host, Tom Dziubek, speaks with Kimberly about the typical Generation Y consumer, their personal finance tendencies and ways that retailers can more effectively reach them in the marketplace.

Also, thanks to everyone who helped The Consumerism Commentary Podcast win the First Annual Plutus Award for Best Personal Finance Podcast! We couldn’t have done it without you!

Consumerism Commentary Podcast #55
Generation Y Consumers, Kimberly Palmer
Production/Segment: S03E03 / 73

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Table of contents

[00:00] Introduction from Flexo
[00:39] Interview with Kimberly Palmer
[00:56] Defining “Generation Y”
[01:41] How Gen Y differs from other generations
[04:08] Financial goals and concerns
[05:26] The recession’s impact
[09:25] Gen Y’s handling of personal finances
[10:49] The type of consumer that Gen Y is
[12:31] Retailers’ success marketing to Gen Y
[13:26] Investing tendencies
[14:39] Customer service vs. saving money
[18:50] End

We always welcome feedback from listeners. If you have any comments for this episode or for any other, or if you have suggestions for future episodes, please leave us comments here or email us at podcast at this domain name.

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Consumerism Commentary Podcast

by Flexo

The Consumerism Commentary Podcast is a weekly personal finance show, hosted by both Tom Dziubek, a former podcaster with the Wall Street Journal, and Jay Frosting, who started his first podcast in 2005 for fans of novelty rock music. Each week, the show offers commentary about money management, getting out of debt, budgeting, consumer issues, ... Continue reading this article…

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Where Did You Come From, Where Did You Go (April 2008)

by Flexo

It’s time to thank other websites that sent traffic to Consumerism Commentary during the month of April. It was a great month in terms of traffic, driven mainly by articles about the economic stimulus payment. Here is a list of websites, excluding search engines, RSS readers, and social media websites, that sent the most traffic ... Continue reading this article…

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The Recession Won’t Hit Generation Y (And Take Advantage of That)

by Guest Author

About the author: This article was written by Penelope Trunk, columnist at The Boston Globe and author of Brazen Careerist: The New Rules for Success. Penelope is the CEO of Brazen Careerist, an online career center for Generation Y and network of over 50 bloggers. Maybe the recession is here, but do you want to ... Continue reading this article…

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Weekly Blog Round-Up

by Flexo

Here’s what I’ve been reading within the MoneyBlogNetwork and beyond this week. * Free Money Finance admits there are good reasons to use credit cards. * MightyBargainHunter just received his 2005 tax refund. * Blueprint for Financial Prosperity warns student loans should be used for school only. * FiveCentNickel is beginning a series on saving ... Continue reading this article…

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