About Jon Dulin

Hi, my name is Jon and I run Penny Thots. I blog about many personal finance topics, but my specialties lie in investing, paying off debt, and achieving your financial goals. You can learn more about me on the Author Page.


  1. AvatarCrystal says

    I’ve also had success with starting slow and taking things one at a time. If I can stick with a change for 3-4 weeks, it becomes a habit and I don’t have to think about it or struggle with it anymore. Then I can move on the the next thing. I’ve quit making resolutions, however, and choose a few goals instead. And I agree 100% – just start when the mood strikes instead of waiting until Jan 1st.