I’m simultaneously an early adopter and the last one to the party. I signed up for a Twitter account long ago, but never did anything with it. I didn’t see the point. Now, though, it seems to have hit some sort of critical mass. Even my non-geeky friends are using it to keep in touch. I’ve been updating my Twitter account once or twice a day for the past month, but haven’t yet turned it into personal finance commentary.

Some people do use Twitter to supplement their blogs. For example, via his Twitter account, Ramit pointed to a short post at SocketSite about what happens when expectations don’t match the market. Buyers and sellers of homes are often worlds apart on pricing lately. “Americans are horrible at negotiating,” writes Ramit. “They take personal offense at lowball offers.” (This reminds me the recent guest post from a reader who uses haggling to save big bucks.)

Here are a couple of non-Twitter personal finance stories:

I’ve talked a lot about post-collegiate finances this week, which prompted two readers to send me an MSN article about why Generation Y is broke. “Today, people in their 20s and 30s are more educated than ever before…This generation of adults is also, of course, the most technologically sophisticated to date…And yet stats indicate our generation’s financial literacy is abysmal, with personal finances to match.” As an interesting footnote, the author observes that states are returning to financial education in public schools.

Finally, NCN at No Credit Needed has a novel trick I’ve never heard before. He’s implemented a $100-a-day rule to prevent impulse buying. For every $100 that he wants to spend on a new product, he forces himself to wait one day before making the purchase. Want a Nintendo Wii? Wait three days. Want a fancy bicycle? Wait a week. Want a Mini Cooper? Well, you’d better wait most of a year. This is a great trick.