(August 17, 2008)
Sometimes one's approach to financial success is one that isn't realistic. For example, the New York Times took a survey in 2001 that asked several thousand people their financial plan for success. The top three responses were (#1) winning the lottery, (#2) winning a lawsuit, and (#3) getting the estate of a rich, long-lost relative. I'm surprised #4 wasn't "from a fortune cookie".

If you want advice, you need to be proactive in your approach. Ask a trusted friend who has fruit on the tree or speak to someone who works in the financial arena. You could also consult the internet as it is a wealth of knowledge. Here are some great sites to view that can help you focus your attention on getting your pocketbook just right based on your situation:

Money 101 - This CNN-affiliated site has a step-by-step lesson plan that one can participate with online and on-demand. It is certainly the first step for anyone who has no idea where to even begin.

Dave Ramsey - Radio talk show host Dave Ramsey has his own website where he encourages his listeners to get all of the information they can about getting on the right track financially. He has several online tools for you to choose from as well as several forms you can print out which can help get your mind wrapped around exactly where to you stand. His goal-oriented approach allows those who actively participate in their budgeting to see a light at the end of the tunnel: financial freedom!

Top Ten Money Issues for Singles - Are you single? Well, this site won't help you find a date, but it can help get those who live by themselves and have only one person and one income to rely on. Even things like retirement and COBRA are covered on this page.

The Best Financial Advice Ever - No, this isn't some overhyped self-proclaimed guru of the Wall Street set, but it is a series of tried-and-true, grandparents-tested foundations of finance that are little bits of wisdom expounded upon by an overhyped self-proclaimed guru of the Wall Street set.

Financial Advice for Your 20s - This site is for those just getting started out in life. The population with the most financial problems are the 20-to-30 year old crowd. Why? Going from living with their parents and being able to use their money anyway they want to having to take responsibility for paying rent and bills can be a quick and hard lesson in self-reliance. This site helps the younger adults navigate through this difficult, yet adventurous, stage in their lives.

Young Money - Another good site for the younger crowd, but there is plenty of information for the even younger crowd as well. Preteens, teens and young adults will appreciate the "plain talk" approach that this site provides in keeping young folks attentive to the best practices with dealing with their money. It includes success stories of those who are in their teen years, giving realization to others that you don't have to be a retiree in Florida to experience good things out of quality money usage.

All in all, managing money is the responsibility of those who own money, regardless of what's being broadcast on CNBC. However, everyone needs a boost every once in a while and these site can help point those who need it in the right direction to receive that boost!

- Drew Kuespert