Though I’ve been preaching the mantra “nobody cares more about your money than you do” lately, my favorite personal finance saying remains “do what works for you”.

There are a lot of people out there offering money advice, and much of what you hear is contradictory. It’s important to find strategies that work for your situation, that help you to achieve your goals. It doesn’t matter if the experts say a particular strategy is wrong — if it helps you achieve your goals, it’s the right thing for you to do.

For example, most personal finance writers (including me) extol the virtues of the emergency fund. Saving a cash cushion can help a person cope with the unexpected. But Abby at I Pick Up Pennies won’t save for an emergency fund. For her, it makes more sense to use the money to pay down debt. She notes (correctly) that the return on her money is higher this way.

In other topics, Miel at Dual Income No Kids has some warnings about the hidden costs when taking a new job offer. It’s not just about the money, after all. You should consider benefits (obviously), additional expenses (transportation? wardrobe?), raises, and more.

Meanwhile, JLP at All Financial Matters voices one of my common complaints. “Warranties are nice,” he writes, “but what I’d really like is a quality product.” I’ve experience similar frustrations where exchanging a defective product simply results in a new version of the same defective product. (At Fry’s Electronics, I’ve seen the people in returns actually label the products I’ve returned as defective to put back on the shelves. Mind boggling.)

Finally, The Detroit News reports on a shocking casualty of the foreclusure falluot: a house that sold for one dollar — after 19 days on the market. Wow.

This article is about Spare Change