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Happy Leap Day! On to the links …

20 Money Hacks: Tips and Tricks to Improve Your Finances - Zen Habits

Improving your finances improves your happiness, in general, so I thought it would be important to share stuff that's worked for me.

I'm in the best financial shape in my life, despite quitting my job and my wife recently quitting hers too. A lot of that is thanks to you guys, the readers, but it's also thanks to frugality, to eliminating debt, to saving as much as I can. To these hacks.

Facing The Frustrating Realities With Which We Must Deal - No Credit Needed

As you move away from financial irresponsibility and towards financial stability, you will find yourself becoming aware of certain new realities. First and foremost, you will note that the vast majority of Americans live without much regard for their own financial futures. Supported by a massive government that believes in handouts and bailouts, many folks have forgotten the idea of personal responsibility. Living well beyond their actual means, most have succumb to the pressure to have more, get more, and use more.

Lessons I've Learned From Being Broke - Kiplinger.com

Being broke has taught me how to better manage my money so I can actually meet my financial goals. Sounds cliché, but it's been a blessing in disguise.

That's not to say poverty is a requirement for acquiring good money skills. Anyone can learn to be a good steward of what he or she has — whether plentiful or lean.