From simple tips to big issues, here’s what you need to know this week (well at least in the personal finance/banking world):

• Having control over your time may be more important to financial success than you think. A new article from Motley Fool suggests that working smarter, not necessarily harder, is key to success.

• Are you battling “frugal fatigue” in your family’s budget? Mint.com has some great tips in a new blog post for battling the guilt of splurging or the heartache of missing out due to your budget.

• For many Americans, the 401(k) is quickly replacing home equity as a source of emergency cash. A new Forbes article discusses the pitfalls of this action and some great ideas for better solutions.

• It’s graduation time for many college students and U.S. News and World Report has 5 great tips you certainly don’t learn in the classroom. Check out these great money tips that probably apply as much to graduates as they do to all working professionals.