Take your favorite personal finance writer's advice with a grain of salt.

The current financial turmoil has prompted people to spend more time on their personal finances. A place they turn to is financial writers and their bestselling books. Some read personal finance columns, while others follow Web sites or blogs. These can be excellent places to begin a journey to get one's personal finances in order.

A big mistake is blindly following a favored financial writer. While personal finance reporters are certainly not writing with the intent to give readers inappropriate information, the problem is that nobody who writes about personal finance will be 100% correct when it comes to each individual. There are just too many variables. With this is mind, here are four reasons you should never blindly follow the advice of a financial writer.

Financial writers assume you view money a certain way. But when it comes to personal finance, some people are emotional about money, and others are analytical. There are shades of gray in between.

If you tend to be emotional about money and are trying to reduce debt, it's often better that you try to snowball your debt by paying off those with the lowest balances first, since this gives you a positive feeling. On the other hand, it's often recommended that you pay off debts with the highest interest rates -- the analytical approach.

Financial writers often leave out exceptions. Limited space usually makes it impossible to address all points on a topic. For example, when personal finance writers make a general statement that it's bad to have a large amount of credit card debt, this might not be true if you are paying 0% interest with an introductory special for six months while your savings are earning 5%. There are usually a number of exceptions to every rule.

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