Aspiring Blogger – Personal Finance Carnival #15 – September 21, 2013


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

Welcome to the 15th edition of the Aspiring Blogger – Personal Finance Carnival. Get ready to scroll – because we have almost 100 articles in this week’s carnival!!! Of course, that’s AFTER I went through and pulled out a few spam and duplicates…just an amazing number. Thanks again to all the authors for sending these in. I decided to put a quick jump menu so you can get to your favorite section without scrolling through pages and pages – hopefully you’ll like it!

I am pretty obsessive over the content of this carnival, so I go through each submission and if I feel there’s a better category for it – I will move it to that one. Well, starting with this carnival I am just going to leave the articles where they were submitted. Having said that – if I see posts that really don’t have anything to do with the category, I’ll just start deleting them! Let me know if you see any of these (hopefully not) and we can make sure that this carnival is as good as it can be!

While you’re here, make sure to read as many of the posts as you can – I know it would be unreasonable for you to read all of them – but please do if you feel like 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!


Blog Friends
Budgeting and Frugality
Early Retirement
Financial Independence
Location Independence
Making Money
Personal Finance


Crystal @ Budgeting in the Fun Stuff writes Our Budget – Then and Now – I started saving our budget info on my flash drive in April 2007, right before we bought our first home. Here’s a fun look at our budget – then and now.

Mr.CBB @ Canadian Budget Binder writes August Net Worth: +1.90% The calm before the storm – This month I talk about how we did in August with our finances but I also talk about how much money we did spend on shopping at the mall and purchases such as a laptop. The point of the calm before the storm means that we can’t prepare for all situations where we need to go out and spend money but in some cases it is necessary.

Matt Becker @ Mom and Dad Money writes The Peer-to-Peer Lending Numbers They Don’t Want You to See – I see a lot of glowing reviews of peer-to-peer lending extolling the high short-term returns earned by the people singing its virtues. These reported returns have always seemed a little fishy to me, so I decided to dig a little deeper. Today, I want to share some of the results I found that the peer-to-peer lending marketers hope you never see.


Oscar @ Money is the Root writes 3 Free Online Retirement Planning Tools – Many retirement plan providers as well as a number of financial planning service providers have added online tools to their mix of services to better help their customers plan for retirement.

Jay @ Daily Fuel Economy Tip writes What’s the deal with fuel efficient, low rolling resistance tires anyway? – Fuel-efficient tires aren’t new to the market to be sure but, as far as being able to purchase them at your local tire shop, they are definitely something new.

Danielle @ Saving Without a Budget writes Planning your Retirement? Here are 8 Mistakes to Avoid – A recent national survey showed that over 85% of all respondents weren’t confident that they would be able to retire comfortably based on their current retirement plans.

Matt @ Budget Snob writes Easy Ways to Start Saving – Today we live world where being a big spender is a symbol of status and is seen as positive, but saving money and frugality were once considered great virtues.

Amy @ Money Mishaps writes Top Tips for Saving Money on Groceries – One of the largest costs that most families face is the cost of food. Indeed, just as the cost of gasoline has shot up in the last few years, the cost of food has shot up as well.

Justin @ Digit Fox writes Renting Versus Owning – Have you ever noticed how renting seems to carry some negative stigma with it? People are all in favor of going into debt to own an asset, but should you temporarily borrow said asset all of a sudden it becomes the worst financial move you can make.

Lenny @ Best Money Saving Blog writes 10 Excellent and Frugal Finance Tips – Today it seems that everyone is looking for financial advice to help them save as much money as possible, and rightly so. With the cost of gasoline, food and clothing inching ever higher, saving a few dollars here and there can actually add up to quite a bit at month’s end.

Hadley @ Epic Finances writes Saving For Your Child’s Future – “For today’s young people, making their way financially in the adult world is harder than ever before. College costs and housing fees are through the roof! ”

Andrea @ So Over This writes Getting Your Child to Contribute Towards Education Costs – Every parent wants their child to have a good education and be able to enjoy a prosperous and rewarding future. However, even the cost of higher education can be crippling for some parents.

Bob @ Dwindling Debt writes 50 Excellent Tips to Improve Your Finances Part 5 of 5 – We have 10 more excellent tips for you on how to improve your finances right now!

Lily @ Paying Debt Down writes Top personal finance tips for young adults – As with many things in life, learning to handle finances correctly takes time and practice. Unfortunately, very few people ever get the education and direction that they need and so must learn how to handle finances on their own.

Katie @ IRA Basics writes When Buying a House Becomes a Headache – Whether you are a first-time buyer, second-time buyer or any other multiple-of-times buyer, getting hold of your dream home can be a really exciting time.

Sam @ The New Business Blog writes Hobby or Business in the Eyes of the IRS – Statistics are showing that the number of home businesses and side businesses has been growing of late as the economy has turned south.

Monica @ Monica on Money writes 7 Things I Refuse to Give Up to Save More Money – I love saving money (who doesn’t) and some would even say I’m cheap! So I recently started looking for ways to save money on everything, but there are 7 things I refuse to give up to save more money.

Richard Adams @ Frugality Magazine writes Ways To Save Water At Home And Reduce Your Bills By $184 – According to the EPA the average American uses 100 gallons of water per day at home. However by understanding all the various ways to save water it’s possible to reduce your household water bill by approximately 30% – while helping the environment too.

Edward Antrobus @ Edward Antrobus writes Blue Collar Budgeting Basics – Everyone needs a budget, but it can be daunting for blue collar workers. Here are some budgeting basics to get started even if you have unsteady income.

Carmen @ writes How Much Car Can I Afford To Buy? – We want to prevent you from becoming the guy who drives around in a Benz, BMW or Escalade and then pulls up to a rent-controlled apartment. While that happens more often than you think all over the United States, it is critical that families not spend more than they can afford on a car. So, how do you determine how much car you can afford? Read our comprehensive guide to learn multiple strategies and considerations.

DW @ No Exam Life Insurance Guide writes Want a No-Needles Plan? How About a No Physical Life Insurance Policy – Unfortunately traditional plans require a medical exam before they will insure you. No physical life insurance can make this process a lot less stressful. Here are a few of the benefits.

Christopher @ This That and The MBA writes The Structured Settlement Institute – Anyone that is going to be involved with structured-settlements should visit the Institute’s site and gain some knowledge on which option is best for them. The Institute knows full well how critical their role can be in the planning of lives.

Edgar @ Degrees and Debt @ Degrees and Debt writes Dating on a Budget – How to date while staying within a budget!

Jacob @ Cash Cow Couple writes How to Lower Your Electric Bill to Zero – Tired of $300 electric bills? Come check out our advice on how to lower your electric bill to under $50 per month.

Jon Haver @ Pay My Student Loans writes Consolidate Student Loans For The Lowest Rates – If you want to save money over time, locking in a low interest rate as soon as possible without lengthening your repayment term is attractive, because the sooner you pay off the loan, the more you save. With federal loans, you can even make an extra payment here or there if you want, because there is no prepayment penalty.

Bargain Babe @ writes DIY Cheap Car Repairs: I Saved $400! – I share tips to perform cheap car repairs to save big bucks!

Kyle @ The Penny Hoarder writes How to Save 10%+ on Your Grocery Bill Without Cutting a Single Coupon – If you’re someone who won’t use coupons or you’re somebody who uses coupons, but wants to save even more, I’ve got an unconventional way to cut the grocery bill.


Buck @ Buck Inspire writes Workplace Productivity In America – Due to Baby Buck’s ever changing sleep patterns, my energy levels have been all over the map. I’ve been compensating by taking quick power naps during my lunch break. Take a look at workplace productivity and another way to deal with low energy.

Brian @ Luke1428 writes The Secret Weapon to Contentment – Most people don’t realize contentment can be learned. Here are some suggestions to help you practice the art of contentment.


Adam @ Money Rebound writes Could You Afford to Retire Early? – Taking early retirement is a dream for many people in full time work. So can you afford to retire early or will it remain just that, a dream?

SBB @ Simple Budget Blog writes Budgeting for the future: when do I need to write my Will? – At the end of your working life, you should be able to enjoy the fruits of your labours. By being disciplined and setting aside a little bit of money every month, you can ensure that retirement is what it should be – time for you to relax and to do all the things you’ve always wanted to do.

Derrick @ Break Broke writes Debt tips for the baby boomers: Retire financially strong using them – As the baby boomers reach retirement, knowing exactly how to eliminate current debt can help you reach a successful retirement


Anton Ivanov @ Dreams Cash True writes 5 Reasons You Will Never Reach Financial Freedom – The vast majority of people will never reach financial freedom. Is one of these 5 reasons going to stop you from becoming financially free?

Jack @ Enwealthen writes How to Gain Financial Freedom Playing CashFlow 101 – A review of Robert Kiyosaki’s Cashflow 101 game and my first experience playing it to learn more about financial independence.

MMD @ My Money Design writes How to Make Money with a Website and Why Most Personal Finance Sites Don’t – If you’re wondering right now how to make money with a website or why yours isn’t doing as well as you hope, then you really need to hear Jon’s story! He’s killing it making $3,000 per month!

MMD @ IRA vs 401k Central writes What Is a Non Deductible IRA and How Do I Contribute To One? – Very few people realize that you can contribute to a non deductible IRA regardless of your income level and still enjoy tax free investment growth. Here are some things that can help you get the most out of your savings.

Mr FD @ Financial Debauchery writes Cool Checking Account Promotions from Banks that Want Your Business – Fortunately when banks want your business they offer some really cool checking account promotions to entice you. See how you can take full advantage of them!

Robert @ Cult Of Money writes 8 (Passive & Active) Ways to Diversify Your Income Stream – I thought it would be fun to think about all the ways there are to earn extra money outside of a traditional day job. Here’s my list of four active income sources and four passive income sources to help you better diversify your income stream.

Harry Campbell @ The Four Hour Work Day writes One Stream of Income is Never Enough – I’ve had more jobs than I can count since I ‘officially started working’ at the age of 14. And I say officially because I was always hustling as a kid. There were the ordinary things like lemonade stands and selling my old junk at our family’s yard sales but I could get pretty creative when it came to making money. In high school, I remember asking my mom to give me extra bags of chips and snacks in my lunch so that I could re-sell them to my classmates for 75 cents or even a dollar.

Pauline @ Reach Financial Independence writes What does Financial Independence really mean? – Anton explores the meaning of Financial Independence

Minimalist @ Minimalist Finance writes Ways to Make Extra Money Quickly – While saving money is certainly an important aspect of good financial health, making extra money can be equally as valuable in building wealth, if not more so.

Usiere @ Financial Freedom Inspiration @ Financial Freedom Inspiration writes How much money do you need to attain financial independence? – How much money do you need to live on? This is the question on the mind of many when it comes to the subject of financial independence. There is no one right answer. The answer differs from one individual to the other depending on your individual circumstances, your desired standard of living and the strength of your desire to be on your own, for those considering quitting their jobs.

John @ writes 6 Things to Know about Term Life Insurance – Term Life insurance is an insurance policy which covers you at a fixed rate of payments for a period of time. In other words, it will pay out a set amount if you die within that set period of time.


David @ Financial Nerd writes Lending Money To Friends – I made this terrible mistake a few months ago of lending money to my friend. It has not turned out well

Thomas @ Mr. Moneyvator writes Residential Real Estate Investing in Great Britain – Buy investment properties in the UK!

CAPI @ Creating a Passive Income writes Chutes and Ladders: Investing Lessons From Famous Children’s Games – While kids’ games are very simple, they can actually have profound meaning in today’s financial world and what to do in investing.

Robert @ The College Investor writes Time to Buy Apple after the Low Expectations for the Future – Apple (NASDAQ:AAPL) fell by over 8.3% last week following the announcement on Tuesday, September 12 of its two new iPhone offerings, including the long-awaited new “low cost” model. The sell-off could present an opportunity to buy if you believe the price drop is overdone. However, this could also mean the negative sentiment that has plagued the company’s shares for much of its recent history is returning.

Grayson @ Debt Roundup writes Why Do We Fall For Ponzi Schemes? – My idea for this is to try and figure out why we, as
humans, fall for Ponzi schemes. I have a ton of questions and can only think of a few things that can explain why people jump into such schemes.


Harry Campbell @ Your PF Pro writes Get 2 Free Months of Health Insurance Through COBRA – Quitting my job has turned out to be a great decision. Although I really enjoyed working for my last company, I was ready for a change and once we found out that my fiancée had gotten into med school in Irvine, we started planning for our move. Taking time off from work has allowed me to really focus on all of my online entrepreneurial activities and although I’m making a lot less than I was at my day job, I’m also working a lot less.

GMM @ Grad Money Matters writes Are you a bad freelancer? – Freelancing is a topic that I have been covering a lot on the blog lately. Many bloggers have been increasing their freelancing services. So, what makes a good freelancer? What makes a bad freelancer?

Robert @ Entrepreneurship Life writes North-East SME Programme Creates 170 jobs in a Year – A scheme designed to help the north-east’s businesses to grow and expand has led to more than 170 jobs being created in the last year alone. The Business Acceleration for SMEs programme, which was launched in 2012, was designed to help 400 small to medium-sized enterprises develop their sales to the process industry through a combination of mentoring, events and workshops.


Daisy @ Money Bulldog writes Would Taking on a Second Job Suit You? – Many people have at some time in their life considered a second job, but would a second job suit you?

DW @ Great Passive Income Ideas writes What Are Some Good Online Residual Income Opportunities? – The Internet has got some great online residual income opportunities that will help you earn that extra cash you need. Here are a few tips you can try.

Pauline @ Making Money Your Way writes How I made $1,000s thanks to my mum – I explain how I made $1,000s thanks to my mum referring some work over to me, and how you should use your network to make more money

Roger the Amateur Financier @ The Amateur Financier writes 5 Starting Steps to Creating a Business Website – A guide to important factors to consider if you want to start a business website, covering domain name selection, webhost selection, and website creation.

Mike @ Personal Finance Journey writes – One of the best tools for an Offline or Online Business – Before paying anything read our review on payanywhere and how it can help your day to day business thrive and succeed

Lindy @ Minting Nickels writes How to Get Free Money – These 17 Companies Will Give You $1,820.25 – Who says there’s no such thing as a free lunch? Every year businesses give away thousands of dollars in free money and gift cards as a way of promoting their company, read more to find out to you to can get free money and cards.

Maria @ The Money Principle writes 3 traps that business start-ups fall into – In this article three common traps for start up business are discussed: lack of research, insufficient funding and imprecise growth estimation.

Tushar @ Start Investing Money writes Starting From Zero: Investing for Newbies – If you’ve just left school or university, and you’re about to embark on your first full time position, congratulations are in order. This is a big time in your life – not just in terms of your career but in terms of your finances too.

Mr. Frenzy @ Frenzied Finances writes LinkedIn: How and Why You Should Use It – LinkedIn is a social networking site that focuses on business connections and is a way for people to be available for new opportunities. Read here for tips!

Wayne @ Young Family Finance writes The Lowdown on Home Loan Modifications – What you need to know if you’re interested in mortgage or home loan modifications.

LaTisha @ Young Finances writes How Much Do We Save to Buy a House? – Let me start by saying that I have never purchased a house, so researching this post was a great exercise for me and it actually convinced me that I should not rush into renting and instead focusing on saving money to become a homeowner.


Jon @ Novel Investor writes Traditional IRA Rules: Everything You Need To Know – Everything you need to know about the traditional IRA rules (and probably some stuff you don’t) so your retirement plan goes off without a hitch.

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes When in Doubt…Go Back to School? – Remember when you thought you would get a job right out of school? Then remember how hard it was to actually find a job post-grad? Well moving to a new city is no different, and since I have a lot of free time on my hands job-hunting I’ve been thinking about going back to school.

Jack @ Money Saving Ethics writes What Can Financial Planners Do For You? – One subject that, unfortunately, is not taught in high school is the subject of financial planning. The simple fact is that everyone, no matter who they are, will have to deal with finances and financial planning as adults.

Daniel @ writes When You Should Pay Bills Manually – I have automated just about everything, but there are a few times I still pay bills manually. There are only two reasons not to automate bills.

FI Pilgrim @ FI Journey writes Imagine The Freedom Of Owning A House With No Mortgage – What would your life be like if you owned your home free and clear? How would having a house with no mortgage payment every month free your money up?

Robert @ Kids Ain’t Cheap writes Children and Computer Safety – Since having a child, I have become increasingly aware of the world around me. I can’t read the newspaper or listen to the news without something bothering me. Something that gives me a stark reminder of the world we live in. Though we parents we try our hardest to protect our children, we can’t always be with them.

Vanessa @ Cash Cow Couple writes eHealthInsurance Review – Are you overwhelmed by health insurance providers? We wrote this eHealthInsurance review to show you how to easily find the plan that’s right for you.

Joshua Rodriguez @ writes How To Protect Yourself From Identity Theft Online – In this post, Joshua discusses ways that consumers can protect themselves from identity thieves online. Learn 4 simple ways to protect your information!

Michelle @ The Shop My Closet Project writes Let us be honest! I do not want to work for someone else. I want to work for myself! – I’ve been unhappy with my job. Not because it’s a bad job-but, because I’ve worked the job for too long. I have put myself on a 2 1/2 year trajectory to get my debt paid and grow my business. I think this is manageable and it gives me a clear end game.

MR @ Money Reasons writes J.P. Morgan Forced To Take Bailout Money? – With recent attacks on JP Morgan, I was surprised what Barney Frank had to say on the matter! What do you think?

krantcents @ KrantCents writes Success Is What Is Accomplished! – So much has been written about success! How to be more effective, productive and successful usually starts with a list of ten (10), fifteen (15) or as many as twenty-five (25) traits, steps, or tips to become successful. With so many books, articles and stories, you would think there would be more successful people.

Kanwal @ Simply Investing writes What Can You Learn from Someone Who Has Returned 586,817%? – Since 1964 Warren Buffett has been able to increase the book value of shares in his company by 586,817%.

Luke @ Learn Bonds writes How To Estimate The Real Rate Of Interest And Why It Matters – What steps to take when estimating the real rate of interest on your investments and why they are important for bond investors to understand.

Hank @ Money Q&A writes Hank Coleman Discusses Peer To Peer Lending Investments On Fox Business – I recently had the privilege of being on the Gerri Willis Show on Fox Business and discuss the value of peer to peer lending through services like Lending Club.

Mrs. Accountability @ Out of Debt Again writes How To Save Money on Burial and Funeral – Donate Your Body to Science – I don’t know anyone that likes to talk about dying. But you know, it’s a fact of life that we are all going to die one day.

Ryan @ Cash Money Life writes Nervous About Stocks? Here’s What You Can Do About It – Are you nervous about the stock market? The stock market has been near all-time highs for months and many people feel the markets are due for a correction.

Corey @ Steadfast Finances writes Has The Stock Market Gone Parabolic? – As I watch the Stock Market rally continue to gallop upwards, I have to wonder when the next correction will occur. Since the gains this year almost seem parabolic, will we have dip soon?

Ted Jenkin @ Your Smart Money Moves writes Five Celebrities That Know How To Save Money – Most of the media generated stories about celebrities consist of shock and awe showing situations resembling the Titanic sinking into the ocean.

Eva Baker @ TeensGotCents writes 7 Reasons Parents Should Have Life Insurance – Insurance is important. Life Insurance for parents is even more so! Here are 7 reasons you should check into it today. It isn’t as expensive as you think!

SavingMentor @ How To Save Money writes Money Saving Tips: Bring Your Own Oil For An Oil Change – Most people think the only reason to buy their own engine oil for their vehicle would be if they wanted to change the oil themselves to avoid paying someone else to do it. The truth is most garages and dealerships will allow you to bring your own oil if you simply ask.

Suba @ Broke Professionals writes Choosing Health Insurance: Did We Make The Right Call? – Trying to figure out what a health insurance policy based on an HSA means for your family’s bottom line? Here’s exactly what it meant for mine.

Lauren @ L Bee and the Money Tree writes The Costs (and Benefits) of Procrastination – Procrastination can both save you money and cost you money.

Daisy @ Suburban Finance writes How to STOP Spending Money – Ever wonder how to stop spending money? It’s not a mystery. It’s actually easy to curb your spending.

Cat Alford @ Budget Blonde writes How To Get Your Wedding Sponsored & Save Lots of Money – If you can’t afford your dream wedding, get your wedding sponsored! Here are a several tips on how to accomplish just that!

Tushar Mathur @ Everything Finance writes Dating on a Budget: 7 Cheap Date Ideas – When my husband and I were first married, we barely had enough money to pay our bills.

Crystal @ Married (with Debt) writes Car Insurance Too Good to Be True – Our car insurance is up for renewal again in a couple of months, and I am waiting for bad news. I got a deal that just seems too good to last.

Debt Guru @ Debt Free Blog writes Beware Of These Everyday Rip-Offs – It seems like everybody is trying to get ahead. There’s no harm in that, but not everyone is doing it legally. Here are 10 everyday rip-offs.

IMB @ Investing Money writes Investing in Entertainment Stocks – The changes in the entertainment industry are dynamic and happening at warp speed. It’s a crazy industry! Read here for stock information on entertainment.

Jacob @ AllPersonalFinance writes Creating A Suitable Five Year Financial Plan – There is no skill more important than being able to manage your money. Regardless of your current financial state, you should know where your money is coming from and where it will be going over the next five years.

Don @ MoneySmartGuides writes Are Warranties Really Worth It? – For a lot of shoppers, the word ‘warranty’ sounds like music to their ears. Most people these days do not buy any expensive products that do not have a warranty.

Corey @ 20s Finances writes Most Important Thing for Young Adults to Learn – Do you have a spending problem? Find out how to control your spending and why it’s important to change as a young adult.

Sean @ writes 8 Tips to Help Prevent Mortgage Fraud – Mortgage fraud can be a frustrating thing if it happens to you. Here are eight tips to help you avoid mortgage fraud.

John S @ Frugal Rules writes Should You Pay Off Debt or Invest in the Stock Market First? – There can be a fine balance between paying off debt or investing in the stock market first. The truth is that it’s a personal decision and one that will aid your wealth building, debt reduction and saving for retirement at the same time.

Daniel @ Make Money Make Cents writes What is your Debt to Credit Limit Ratio? – Having credit is a vital part of any adult life but knowing when and how to use it is actually more important bit of financial knowledge that all people need to have.


Whew, good job for making it all the way down here!!! That’s it for the 15th 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.

{ 13 comments… read them below or add one }

krantcents September 20, 2013 at 4:34 pm

Thank you for inclusion and hostng, I really appreciate it.


Cat Alford (@BudgetBlonde) September 20, 2013 at 4:47 pm

Thanks for including me!


Anton Ivanov September 20, 2013 at 4:52 pm

Thanks for including my article! I hope you have a great weekend 🙂


canadianbudgetbinder September 20, 2013 at 5:06 pm

Wow, that’s loads of articles to read through. You are very obsessive but I like how you are so organized. If you feel my posts are in the wrong category by all means move it around. I can’t believe this is number 15, time flies. Thanks mate.


Jack @ Enwealthen September 20, 2013 at 5:55 pm

That’s a staggering number of articles to read, but just as amazing to have organized them all.

Thanks for including me in the carnival! Time to get reading!


Brian @ Luke1428 September 20, 2013 at 8:48 pm

Thanks for hosting and including my article! I like how you have this organized.


Betsy Muse September 21, 2013 at 8:48 am

I wish I had time to read them all, but I love seeing posts organized in categories. It saves a lot of time when I’m searching for something to read.


Simon @ Modest Money September 22, 2013 at 8:31 am

Wonderful carnival, expertly organized and informative.


Green Money Stream September 22, 2013 at 3:51 pm

Wow, seriously there are a ton of articles here! Thanks for putting this together. I only need to come here to stay current on some great blogs.


Buck Inspire September 25, 2013 at 2:05 am

Thanks for hosting and including me!


MonicaOnMoney September 25, 2013 at 8:49 pm

Thanks for including me with the group! Awesome articles everyone!


MonicaOnMOney October 2, 2013 at 2:50 pm

Thank you for including my article this week!

Reply October 5, 2013 at 11:14 am

Thanks everyone! I appreciate you all stopping by to comment and read the other articles!


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