We are more dependent on our smartphones than ever. They give us directions. They tell us what task needs done next. They can even tell us where we can buy Girl Scout cookies. They can also help us with our money. Here are 10 top personal finance apps recommended by Parade magazine.

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TurboTax‘s free tax filing for 2012 went live last Thursday. The IRS will start accepting e-file on 1/17/12.  Federal e-file is always free with TurboTax Online.  The IRS estimates 7-14 days for e-file with direct deposit.  State refund times vary by state. TurboTax software also offers one-on-one expert tax advice free for everyone, live via phone and chat.

Well, I guess it was on Twitter before. It was being ran through the Work at Home Wife’s account. But, this site is growing a bit. That will no longer do. If you are following this blog, you may not care to see work at home stuff coming through your Twitter stream. Those following my work at home blog may not care for budget-related topics. So, We are Living on a Budget now has a dedicated Twitter account.

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Grab a free copy of the Student Financing Guide, full of financial aid information on local, federal and private sources of scholarships and grants.

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As I touched on in my Free Credit Report, No Credit Card Needed post, it is a good idea to keep tabs on your credit long before you intend to use it. If something fishy pops up, you want to head it off at the pass before it starts causing some irreversible damage. Since my husband has had his Social Security number used fraudulently in the past, this is always in the back of our minds. I have seen an upswing in identity theft protection services lately, primarily LifeLock. This week I started researching does LifeLock work, and is it worth the investment?

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