Motley Fool provides excellent communities and message boards, and some affordable financial literacy classes (at least they have, I’m not sure if they’re still available).

I learned about Mint.com from Motley Fool.

They also have excellent tax-planning resources!

The site is free with a free membership but there’s a premium membership as well. I’ve never explored this, as I’ve found everything I’ve needed in their free pages.

My only word of caution is “beware the ads.” Their advertising borders on oppressive. It also frequently has a doomsday or get-rich-quick tone that I tire of. There is email “why the oil boom is coming SOON” and the site is covered with ads. Sometimes it can be hard to tell the content from the ads.

They also have so many Fool-branded affiliate relationships that I can’t always tell what all they’re endorsing, or what is going to get me to sign up for some fund or stock newsletter. I find myself only reading the first 1/2 of all their pages and never the sidebars because of the advertisements.

That said, the message boards are excellent resources, as are their tip articles like “60 seconds to get out of debt.”

If you’re new to personal finance or trying to learn something new–check them out, but beware the ads–here there by dragons.

Here’s a brief list of what we’ve done so far, and where it’s getting us. Remember, my layoff was December 7th, and today is April 2nd.

• Called all lenders and negotiated lower interest rates. Followed up by shredding all credit cards. Value: Priceless!
• Learned to cost-cut around the house: home-made laundry detergent. Saves $7/mo.
• Budget and track all expenses with Mint.com.
• Renegotiated and repriced insurance, dropped the gap coverage on our paid-off/high-mileage cars. Saves $4/mo.
• Used the library more. Estimated savings $20/mo
• Developed passive income streams (adding advertising on this web site and others, as well as Lending Club interest). Earns $1.10/mo.
• Rolled-over my fee-intensive 401K into a more affordable IRA Savings TBD
• Found tax advantages to starting my mobile-notary and freelance writing business.
• “Re bundled” our cable-TV package to the same service and same company at a lower introductory price. Saves $25/mo.
• Received our tax refund and paid off an adoption loan ($150/mo, a credit card $100/mo and a student loan $110/mo). We have just one credit card left. Saves $360/mo in debt payments.
• Refinanced our 30-year fixed mortgage, and rolled in our home equity loan ($329/mo). We put both into a 15-year fixed mortgage and will be paying just $89 more than we were paying on our old mortgage payment. (We used Smarthippo.com to find a better rate). Saves $240 per month and 15 years off the life of our mortgage.
• Testing out some meat-free recipes for dinner. Last night the kids loved eggplant parmesan (they thought it was pizza!). Saves $24/mo.
• Renegotiated cell-phone plan (due to new business). Saves $100/mo.
• The layoff reduced our household’s commuting cost. Saves $200/mo in fuel.

  These tricks save us $981.10 per month, but we’ve noticed that now that all expenses are tracked, our household expenses have been reduced by about $1300 per month.

Here’s a few things that we’re not doing.

• Working more than 45-50 hours per week.
• Missing out on time with our kids.
• Cutting our daughter’s preschool (we may do this to ‘snowball’ an extra $660 per month, but she’s having so much fun, we’re having her stay for now).
• Clipping coupons.
• Stuffing envelopes or participating in “get rich quick schemes” and “pyramid sales.”