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Personal Development

What's In and Out in 2013

3 Minute Read

Are you itching to know what’s going to be cool and what’s going to be lame in 2013?

If so, you’ve come to the right place.

Here at, we’re cooler than the other side of the pillow. Okay, so maybe we’re not that cool. But we do have some thoughts on what’s going to be in and out in 2013.

In: Netflix and on-demand internet TV services
Out: Outrageous cable bundles

You pay for 187 channels, but how many of them do you actually watch? Maybe 10? Is this the year you decide to kick cable and satellite to the curb?

In: Paid-off home mortgage
Out: BMW as the status symbol of choice

If you’ve listened to The Dave Ramsey Show like once, you know this line. What if you got serious about dumping your house debt this year instead of impressing the Joneses with a leased BMW?

In: Cash
Out: Credit cards

We’ve been beating this drum for a long time, and people are starting to listen. More and more people are beginning to use cash instead of credit. They figured out that playing games with credit card companies isn’t the way to go. We take that as a good sign that people will continue to manage their money this way in 2013.

Lead others to financial peace! It’s easier than you think. Learn how.

In: Buying local
Out: Big box stores

Sure, you’ve got to head to the big retailers sometimes. But why not support small-business owners every chance you get? You’ll be able to kick a little money back into your local economy, which is never a bad thing.

In: Finding your dream job
Out: Unemployment

Somewhere, someone needs their grass cut. Somewhere, someone needs a pizza delivered. Somewhere, someone needs their walls painted, their dogs taken for a walk, their roof replaced. Jon Acuff wrote a book, Quitter, about his experience pursuing his dream job while working a day job. It’s doable. Your ideal job might not be available right now, but there’s no reason to sit and wait for it while the bills pile up in 2013. Roll up your sleeves and get to work!

In: Grants and scholarships
Out: Student loans

Enough with 22-year-olds graduating with $30,000 in debt! Enough! This year, we’re excited about releasing Dave Ramsey’s Custom College Guide—an awesome way for upcoming college students to make a plan to go to the college of their choice … without debt!

In: Dumping the land line
Out: Keeping the land line

Does anyone even use their home phones anymore? How much money could you save by dropping the land line and using your cell phone as your primary phone?

In: Starting your own business
Out: Punching a clock at a corporate job you despise

Some of us have always dreamed of following our passion, starting a business, and being our own boss. That’s not a bad alternative to punching a clock at a boring corporate job. Could this be the year that you finally go out and start your own business?

What are some things that you think will be making waves this year?