Aspiring Blogger – Personal Finance Carnival #13 – August 23, 2013


Personal Finance Carnival #6 – May 17, 2013 - Aspiring Blogger

Welcome to the 13th edition of the Aspiring Blogger – Personal Finance Carnival. Lucky number 13!! We have a LOT of submissions for this edition, so get ready for some good posts packed with awesome information! It seems that every carnival is bigger and better than the previous week – so I want to thank all of you as readers in addition to all of the authors who submitted articles – I couldn’t do it without everyone’s support.

While you’re here, make sure to read as many of the posts as you can – I know the authors will appreciate it. If you’re interested in participating in the next blog carnival, you can find out details here or submit your post here! Thanks for stopping by!



Mr.CBB @ Canadian Budget Binder writes Budgeting Tips For Low Income Families – A budget does not discriminate so no matter what your income is you can use a budget to account for your personal finances.

Martin @ Investing into Stocks – Hello Suckers! writes Create your own mutual fund – Are you tired of investing into mutual funds and receiving expensive mediocre results? Want investing into individual stocks but you are afraid of lack of diversification? Now you can create your own mutual fund and invest in it.


Pauline @ Reach Financial Independence writes 10% blog income pledge: sponsor a child – I will give 10% of my blog income to sponsor a child in Guatemala.

MMD @ My Money Design writes Niche Website Update 8 – NS2 on the First Page Search Results Already! – I’ve got some terrific news: My new niche website (NS2) is currently ranking on the first page of Google at #4 for my main target keyword! Here I’ll share my complete run down for how I got there.


Keren @ Stepping It Down writes Easy and Creative Ways to Save Money – 4 Easy and Creative Ways that you (and your friends) can save money!

Chuck @ The Tortoise Banker writes Setting Up a Budget: For New Couples – The greatest benefit of setting up a budget is that you and your partner will have a good understanding of your income and expenses. Together as a team you can set future financial goals and create a plan to achieve those goals. Those goals might include paying off debt, saving for a house, or building an emergency or slush fund. This post will give you a starting point.

Robert @ Kids Ain’t Cheap writes Saving Money While Traveling With Children – I can already see how the expenses are adding up with factoring more that just a plus one in your travel plans. Kids eat, sleep and partake in events just as adults do and costs add up!

Kathleen O’Malley @ Frugal Portland writes Wantable: Is it Worthwhile? – Wantable has a very fun premise. You fill out a survey and they send you the items they think you want based on those results.

FI Pilgrim @ FI Journey writes Build A Better Budget Part 1 – The Mindset – It pays dividends to think through the process of creating a budget before you get started. What’s the purpose? What does it consist of?

Matt Becker @ Mom and Dad Money writes The Mythical $12,000 Baby – The reports out there say it costs $12,000 in the first year of raising a child. When making your own decisions, it’s important to remember that that number is just an average. It doesn’t reflect your personal situation or your ability to make different choices. Let’s look at some of the ways you can be different.


Bryan @ writes 150 Famous Quotes By Famous People – Whether we are trying to improve our lives personally or professionally, we all sometimes need famous inspirational quotes to help us power through the challenge in life. Whether it is life, death, success, failure or money, famous quotes by famous people can provide insight into how to better our lives. Here is a list of the 150 best famous quotes that will inspire and motivate you to achieve, especially if you are a first time blogger who needs the motivation to wake up every morning and keep


Michael @ The Student Loan Sherpa writes How am I ever going to retire with all these student loans? – If you are sitting on a bunch of debt retirement seems like a far away dream, but if you are smart about your spending and where you put your money, you can make your debt disappear AND still have a shot at comfortable retirement.


Harry Campbell @ My Financial Road writes My Savings Problem – Recently, I read “The Automatic Millionaire” by David Bach and it dawned on me that I although I have been paying myself, I haven’t been paying myself FIRST. I was simply going through the motions of going to work, paying my bills and saving whatever was leftover at the end of the month. This led to me not saving so much since I would spend a little more on groceries or go buy see a movie or something and there wasn’t much left to save.

DW @ Great Passive Income Ideas writes What Are Passive Income Streams? – Want to know what passive income streams are? They’re how the rich get richer while the rest of the world simply slaves away at work. If you want to work less and make more money, then read on to understand them better.

Mr FD @ Financial Debauchery writes The 72 Month Auto Loan – A Great Way to Pay More For a Car Than You Should! – What’s one final way the car dealerships can “get you”? How about financing it with a 72 month auto loan and paying a lot more for it than we should!

Jon Haver @ Pay My Student Loans writes How to pick a college to minimize your debt burden – When it comes to choosing a university, we all want to make the best decision in regarding our bottom dollar. The best thing about attending school in this day and age is the large variety of options that are available. Our topic today is finding ways to pick colleges that help minimize your debt burden.

Robert @ The College Investor writes The Spoiled Adult Children Epidemic: Has if Affected You? – You’re in college. You’re on the path to an amazing career and a bright financial future. Since you’re reading this blog I’m willing to bet you are a step ahead of the pack. You care about your financial situation and you are mapping out a plan for eventual financial freedom. But, how many of your peers can say the same?

Jeremy Berretta @ My Financial Road writes Accountability…Do You Have It? – WARNING: profanity is inevitable… My run in’s here lately with people that have no accountability is astounding! Being accountable is something that many people read in the personal finance blog world, but out of all the times it is mentioned, does anyone ever talk about just it? Maybe people don’t know what accountability is or means..? OR maybe I’m just being a little too harsh and judgmental…nah, never that! So lets go through some of the basics of being accountable.


John S @ Frugal Rules writes When Should You Start Saving for Retirement? – Saving for retirement can be challenging for many. There are many excuses to use from not having enough money to it being too far away. However, by starting to save for retirement earlier rather than later, regardless of the amount, you put yourself in the best position possible.

Jon @ Novel Investor writes Tax Harvesting: Using Investments To Lower Taxes – Tax harvesting is a legal way to lower your taxes by using losses to offset capital gains or selling a gain to avoid higher taxes in the future.

Dividend Growth Investor @ Dividend Growth Investor writes Dividend Investing – Science versus Intuition – The process of identifying successful dividend investing is more art than science. At the end of the day, I realize that a large portion of investments I make are based on my years of experience investing.

Mr.CBB @ Canadian Budget Binder writes UK Exchange Rate Takes It’s Toll On Our Net Worth – The exchange rate in the UK has been going up and going down just as fast as the petrol prices have. The exchange rate can have a profound affect on our net worth and why it’s important to track your investments and make sure you can handle the ups and downs if you invest abroad.

Mike @ Annuity Rates HQ writes Are Annuities Scam? 6 Flaws of Annuities You Must Read About – Are annuities a scam? I don’t think there is a need to become paranoiac about annuities, they are not a scam. But annuities are definitely very complex product to deal with. However, it doesn’t mean that annuities don’t have flaws.

Irfan @ Everything About Investment writes Financial Markets: Functions and Types – A Financial market is a market for creation and exchange of financial assets. Financial markets act as a forum to facilitate financial transactions through the creation, sale and transfer of financial securities. If you buy or sell financial assets, you will participate in financial markets in some way or the other.

MMD @ IRA vs 401k Central writes What Are My 401k Investment Options and Choices? – When you receive that packet with all the different 401k investment options to choose from, what does it all mean? This post will help you figure that all out.


John @ Imperative Travel writes Places to Visit in Phuket – Are you planning a trip to Phuket? Make the most of your money and don’t miss these sights

Barbara @ Barbara Friedberg Personal Finance writes How To Afford Exotic Travel – Build wealth, spend wisely, save aggressively and savor life. Machu Picchu, a vacation of a lifetime.


Robert @ Entrepreneurship Life writes Instagram Video and Vine for Writers and Bloggers – While Instagram is its own social media tool (that I’ll focus on by itself later on in its own post once I experiment a little bit more), I wanted to focus in this post on how you can use the video functions of both Vine and Instagram. Although I prefer Instagram, since it has two functions in one: photos and video, both can be good platforms for short video content. Which you choose depends on numerous factors.

Gary @ Gajizmo writes Part-Time Jobs For Teachers – Although teachers get summers off, that shouldn’t stop them from earning a second income or exploring other opportunities. Here are a few of the best summer jobs for teachers to take advantage of, including freelance work, starting their own blogs or businesses, teaching abroad, etc.

Pauline @ Make Money Your Way writes Are you too busy to make money? – Too busy to make money? This post will show you that you need to stop adding more unpaid work to your schedule and look for paid freelance positions.

DW @ Great Passive Income Ideas writes Great Extra Income Opportunities Using The Internet – You don’t need a second job. There are lots of extra income opportunities that can easily be done with nothing more than the touch of a computer. Here are a few to try.

Christopher @ This That and The MBA writes How to Keep Your Business Running Smoothly While You’re Away – First, consider having someone stand in for you when you’re out of town. They don’t have to be a marketing genius or a mathematician, just someone that can answer questions from employees and/or customers. Be sure they’re trustworthy and responsible and aren’t afraid to get in touch with you if an issue is above their head.


Glen @ Monster Piggy Bank writes How to Save Money for a House – Learn about the common things you need to look for when saving money for a house.

Paul @ The Frugal Toad writes 5 Things Everyone Should Know About Loans – Sooner or later in life, everyone is going to need to borrow money. It happens, either because you’re making an investment in a residence, going to college, or buying another big-ticket item. There are many types of loans to choose from, all with different interest rates and grace periods. Before you jump into the first loan you can find, you should do some research and know what you’re getting into. In fact, here are five things you need to know before you think about taking out a new loan.

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes Would You Sacrifice Your Relationships to Be Rich? – Some people will do anything for the almighty dollar, even sell stories about their family to the press to make a quick buck. But what’s the point in having boatloads of cash if you had to sacrifice all of your relationships to get it?

Matthew @ Investing Five Daily writes Is Your Home an Asset? – An analysis of the impact of your home on net worth calculations, and exploring ways to get value out of an illiquid asset.

Daisy @ When Life Gives You Lemons, Add Vodka. writes Are Your Planning Tendencies Costing You Money? – Are you a planner? If so, it may be costing you unnecessarily.

Monica @ Monica On Money writes $25 August Giveaway and Goals! – Now that it’s August, it’s time to think about my financial goals for the month. Here are my top 3 goals for August.

Buck Inspire @ Buck Inspire writes Ellen Degeneres Returns To Host The Oscars – If you’re a fan of Ellen, you’re in luck. She’s returning to host the Oscars next year!

Evan @ My Journey To Millions writes It is Amazing How Local Personal Finance Can Be – Most people discuss personal finance rules in absolute terms. I hate it! I truly believe there are almost NO SET PERSONAL FINANCE RULES.

Kevin Watts @ Graduating from Debt writes A Look at Oregon’s Novel Solution to the Student Loan Crisis – A Look at Oregon’s Pay it forward, Pay it back program that helps students go to college free

Grayson @ Debt Roundup writes One of My Biggest Money Mistakes – We all make mistakes, but I wanted to show you that some can be very costly. When I first got out of college, I had a good job and good money coming in. My spending side took control and I made a bad purchase. It is still one of my biggest money mistakes.

Michael @ The Student Loan Sherpa writes The College Survival Guide – Going off to college is an exciting time but it can be filled with plenty of personal and financial pitfalls. These life hacks can help you get the most out of your college experience.

Pauline @ Reach Financial Independence writes Building Wealth While Building Muscle – This post compares wealth and muscle building in an attempt to get progressively better and reach your health and financial goals.

John @ Ourinsurancecanada writes How To Determine Your Life Insurance Needs – People do not like to think about their death, let alone plan for it. But, if you have recently purchased a home or are bringing a child into the world or already have one or a few, it important to think about life insurance.

Jeremy @ Modest Money writes The Condo Buying Saga Is Finally Over – What does it feel to finally have your own place to call home? We had gone through hell at first trying to buy a condo, that whole situation put us off condo-shopping for a little while, but we did eventually climb back on the horse.


That’s it for the 13th edition! Thanks for stopping by and reading, let me know in the comments if you have any thoughts about the articles or the carnival in general.

Submit your article to the next edition of Aspiring Blogger – Personal Finance Carnival using the carnival submission form. Past posts and future edition information can be found on my Blog Carnival page.

{ 8 comments… read them below or add one }

Keren @ Stepping It Down August 23, 2013 at 7:25 am

Thanks for hosting! Great list this week!


Grayson @ Debt Roundup August 23, 2013 at 8:33 am

Thank you for hosting as always and for including my post this week. Keep it up AB!


canadianbudgetbinder August 23, 2013 at 8:48 am

Thanks for sharing mate. Have a great weekend. I know I will.


Dividend investing Martin August 23, 2013 at 4:46 pm

Great list of blogs. Enjoyed reading. And thanks for including my post!


MonicaOnMoney August 23, 2013 at 6:35 pm

This is an awesome list of articles! Thanks for mentioning my blog, have an awesome weekend!


Buck Inspire August 23, 2013 at 7:46 pm

Thanks for hosting and including me! Keep it up!

Reply September 15, 2013 at 3:27 pm

Sorry everyone – I’ve been REALLY behind in following up – but I REALLY appreciate all of you who submitted articles and especially all of you who came back and commented and read through the other articles – you all ROCK!!!!!


Paul November 6, 2013 at 12:31 pm

Really nice list of blogs. Thanks AB!


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