It's funny that when people reach a certain age, such as after graduating college, they assume it's time to go out and get a job. But like many things the masses do, just because everyone does it doesn't mean it's a good idea.

You must assume 100% responsibility for your financial life. If you're going to improve your situation, you have to put the full burden of doing so squarely on your own shoulders. First and foremost, you must hold yourself responsible.

Regardless of others' reactions, do your best to stay true to yourself. Make the choices that allow you to look in the mirror and feel good about the person gazing back at you.

If you experience chronic difficulties in a particular area of your life, there's a strong chance that the root of the problem is a failure to accept reality as it is.

It should feel genuinely good to earn income from your blog - you should be driven by a healthy ambition to succeed. If your blog provides genuine value, you fully deserve to earn income from it.

Network selectively. Nothing says "business newbie" like shotgun networking. "You never know when someone might say yes" is marketing for dummies. Take the time to build a profile of your ideal customers, and target your networking activities to reach them. Speak to those who are already predisposed to want what you offer. Almost any profile is better than "anyone with a pulse."

If something is important enough to you that you feel the urge to donate your money or time to it, I think it's best to try to express that form of giving through your career, not just as something you do on the side. If you enjoy your volunteering and charitable activities more than your career, it means your career is in serious need of an upgrade. In my opinion your career should be your best outlet for giving.