The new year is here and many of you have new year’s resolutions on your mind. You may be motivated to change bad habits in your life, complete projects that you started long ago, or simply take a new outlook on life.

Is reducing or eliminating your debt one of your financial goals this year? If so, make sure you check out No Credit Needed a great personal finance blog dedicated to helping others get ouf of debt.

About No Credit Needed

NCN is 33 years old, he has three children, and he lives in Georgia. NCN started the blog in April of 2005 with the intention of blogging his way to debt elimination. He began talking about his progress with debt reduction and his method of eliminating it. Now, he is completely debt free and focuses his blog on helping others eliminate debt. He now tracks his progress for saving for retirement and his children’s education.

NCN’s Other Blogs:

No Credit Needed Network : A network of individuals tracking their progress for eliminating debt. (Check Out NCN’s awesome, free e-book about how he eliminated debt! The No Credit Needed E-Book)

No Calories Needed : a weight-loss blog that tracks NCN’s personal weight loss campaign.

99 Changes : A personal development blog to help others improve their personal lives, relationships, and professional careers.

Here are some other great links from personal finance writers around the Web:

• The Digerati Life reflects on the past year and shares her goals for 2009
• Gen X Finance explains why the recession will be good for us as a country
• Lazy Man and Money looks back at his 2008 goals.
• Brip Blap explains what to do when you like your job but hate your career.
• My Dollar Plan’s Tax Cut Review for 2008
• Million Dollar Journey’s best of 2008
• Frugal Dad asks if we would sell all material possessions for debt freedom?
• Sun’s Financial Diary ponders what it takes to become a millionaire
• Money Crashers challenges you to find the career you love in 2009
• Free Money Finance tackles budgeting for the new year
• Mighty Bargain Hunter reveals his frugality tips for the coming decade.
• Consumerism Commentary’s financial goals and resolutions for 2009.
• Five Cent Nickle discusses Obama’s financial recovery plans.
• Blueprint for Financial Prosperity explains how to write an accomplishment journal.
• The Simple Dollar reveals 7 financial mistakes he made in college.
• Get Rich Slowly outlines 9 methods for mastering your money in 2009.

Thanks to the hosts of the recent carnivals below for including our articles:

• Money Stories
• Personal Finance
• Financial Goals
• Stock Investing
• Wealth and Money

Will 2009 be the year that you get out of debt, change a career, get on a budget, or invest for the future? You can do it, and we’re here to help you achieve those goals!  Here’s to a great 2009!

Have you thought about your New Year’s resolutions yet for next year?  How about knowing where your money is going, knowing where you want it to go, saving more, and reducing debt?  Sound like a tall order?  If you set some specific financial goals for yourself, you’re much more likely to achieve some of them.  Check out the suggestions below, tailor them to meet your needs for next year:

Track your spending
If you haven’t purchased financial accounting software or set up a reliable accounting method of your own, this is the year to do it. Diligent expense tracking is the first critical step to getting personal finances in order.

Write down your goals
Have you ever written down the big things you want in life? Granted, all great dreams don’t cost money, but many of them do. Money buys freedom – to travel, to retire early, to start a business, to change careers.  Putting goals in writing gives them a formality and a starting point for the planning you must do.

Consider advice on taxes and planning
Maybe you’ve always winged it with your taxes and considered your company 401(k) the ticket to your financial future. Chances are your planning is inadequate. Start getting references on good tax professionals and consider sitting down with a financial planning professional to discuss your current retirement savings picture and what you can do to improve it.

Cut your credit card debt
If you can’t ever seem to get yourself completely out of credit card debt, make this the year to do it. Take inventory of your balances, figure out if you can consolidate them under your lowest rate card, and resolve to pay off an amount that exceeds the minimum — on time, every month.  Oh, and pay cash from now on.

Save more
If you haven’t signed up for your employer’s 401(k) plan or begun a savings plan tailored for the self-employed, this is the year. And resolve to save at least five to 10 percent of your take-home pay as you’re able to afford, and place the maximum in whatever retirement savings plans you qualify for.

Get ahead on your mortgage
This advice isn’t for everybody, but if you’ve paid off your credit cards by paying more than the minimum, apply the same principle to your mortgage payment. Every dollar you prepay will potentially save thousands in interest over the life of the loan if you plan to stay in your home long-term. In fact, if you make one extra payment a year, either at once or in equal monthly shares over the course of a year, you can cut a 30-year loan down to 21 years.  Just don’t short your investment plans to do it.

Invest in yourself
If going back to college or taking specific coursework will help you advance in your career, plan to do it. If investing in a health club membership that you actually will use makes sense for your health, do it.

Redefine the way you shop
If you’re an impulse shopper, break the habit in ’08. As a suggestion, get a legal pad and make that your centralized shopping list – use a single page for groceries, stock-up goods (it’s wise to start buying essentials in bulk if you can measure the savings), essential clothing or big expenditures you’ll need to make at specific times. Taking that pad with you wherever you spend money is a good way to keep a grip on your wallet – as long as you don’t stray from what’s written down.

Cook more
Even if you can’t boil water, eating out is one of the biggest drains on the American household budget. The National Restaurant Association reported that in 2004, the average household spent $2,434 in restaurants, equal to $974 per person. Start small – resolve to cook at least one or two meals a week you like that will be cheaper at home. If it’s drudgery, you won’t keep it up.

Attack the miscellaneous column
Do you really need deluxe cable? How much are you paying for your Internet service? Can you wear a sweater around the house and lower the thermostat? In every budget, there are items that can be cut – or at least trimmed. Take a hard look at all your “essentials” to see how essential they really are. Aim for a target of at least 10 percent and start setting that money aside on a regular basis.

This post is produced in association with the Financial Planning Association (FPA), the leadership and advocacy organization connecting those who provide, support and benefit from professional financial planning.