Aspiring Blogger – Personal Finance Carnival #16 – October 4, 2013

by AB@AspiringBlogger.com

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

Welcome to the 16th edition of the Aspiring Blogger – Personal Finance Carnival. Before we go into the carnival piece, I want to give you – my loyal readers an explanation for my “leave of absence” the last couple of weeks. If you’ve noticed, I haven’t posted any new content since the last carnival….two weeks ago! Since I began AspiringBlogger.com 13 months ago I’ve posted twice a week without fail. Well, A couple of weeks ago I got sick – it seemed like allergies/a sinus infection, but it persisted. I’m only now 90% recovered, so I’ve been sick for two plus weeks. During that time I had zero motivation to write anything or even login to my computer to even tend to anything blog related! I think the pace of work combined with making sure that I get two articles out a week (which doesn’t seem like much…but it is) finally caught up with me. The two week break, while I didn’t do much other than sleep, was good for my brain. I want to apologize and say I won’t go that long again without checking in with all of you! That’s all for this section – thanks for reading and look out for new content on a regular basis again!

Now – on to the carnival! Once again we’ve got almost 100 articles. I’ve decided to move this to a weekly carnival starting in the next week or so, that way hopefully each author will have more of a chance to get their articles featured. Like last time – I didn’t change any of the categories – so if someone put a post in a strange category (a post talking about making money in the budgeting category) then let me know and we can fix it or just delete it! :)

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!

AB

Blog Friends
Budgeting and Frugality
Contentment
Early Retirement
Financial Independence
Investing
Making Money
Personal Finance
Conclusion

BLOG FRIENDS

Mr.CBB @ Canadian Budget Binder writes Living on a budget is for losers – A budget for some people means they are restricting themselves from spending and for others it means understanding where their money goes. There is no wrong or right answer when it comes to budgeting because a budget doesn’t have to be an excel spreadsheet all you need to know is where your are at, where you are going and are you succeeding at reaching your goals.

Michelle @ Making Sense of Cents writes Is Satellite Worth It? Costs and Other Alternatives – There are some shows that we feel that we NEED to watch (Boardwalk Empire, True Blood, Walking Dead, and the list goes on forever), but the rest are mainly just shows that we watch to procrastinate with things that we should actually be doing.

Crystal @ Budgeting in the Fun Stuff writes Things I Don’t Miss About My Last Day Job – Someone asked me if I missed having a “real” day job. Honestly, there are things I miss about it, but those are outweighed by the things I don’t miss at all.

BUDGETING AND FRUGALITY

Mrs. Accountability @ Out of Debt Again writes Budgeting in a Move – After recently helping a family member move, I realized just how costly some moving products are.

Maria @ The Money Principle writes Frugality or folly: home baking – Is home baking frugality or folly? I say that naking your own bread makes you frugal artist; what do you think?

Pauline @ Make Money Your Way writes Make Money in Eye Care – This post will show you a few of the ways eye care can be profitable.

Matt Becker @ Mom and Dad Money writes Buying a Car: How to Negotiate With the Dealers – Check out my exact step-by-step process for negotiating a killer price on your next car. The best part: it can all be done through email!

Robert @ The College Investor writes Five Ways to Reduce your Long Distance Phone Bills – In many cases you won’t even know about these fees until your phone bill arrives, taking a big bite out of your monthly budget. Fortunately, there are several ways to reduce the cost of long distance or international phone calls.

Alexa @ Defeat Our Debt writes 5 Drastic Ways to Free Up Money for Debt Repayment – Paying off debt can take a long time. Depending on how much debt you’ve racked up it could take months or even years to pay back. If you’re serious about eliminating your debt you may need to make some drastic changes. Here are 5 drastic changes you can make to free up money for debt repayment.

Harry Campbell @ The Four Hour Work Day writes Paycheck to Paycheck is No Way to Live – I’ve been very fortunate in my life never to have lived paycheck to paycheck. Although I attribute a lot of my financial success to myself, I’ll be the first to admit I’ve also gotten lucky. I bought a house at the very bottom of the market, when rates also happened to be at their lowest, simply because that’s when I happened to graduate.

Vanessa @ Vanessa’s Money writes Want to graduate debt-free? Move to Quebec! – Start thinking of outside of the box tips to lower tuition and graduate debt-free!

Brock Kernin @ Clever dude writes Save Money By Sharing a Mobile Plan – Share a cell phone plan with friends and family? If it will save you money, why not?

Edgar @ Degrees and Debt writes 7 Financial Tips for College Freshmen – Tips for College Freshmen regarding their finances!

Anton Ivanov @ Dreams Cash True writes 10 Ways to Show You Care without Breaking the Bank – Expensive dates or lavish gifts will probably not win her (or his!) heart. But these 10 simple and cheap ways to show you care just might.

Monica @ Monica On Money writes Do You Make These 9 Budgeting Mistakes? – We all make mistakes with our budgets, even those who seem to have it all together financially.

Daniel @ Make Money Make Cents writes How to Save Even More on Everyday Purchases – Creating a budget has become a normal part of any household to make sure the money coming in is being allocated correctly. This means finding ways to save on everyday purchases in any way possible.

Jay @ Daily Fuel Economy Tip writes Testing the Tips – How the Gas Saving Tips actually Measure Up – Unless you live in Siberia and use snowshoes to get around, you are probably aware that gas prices are at an all-time high. You know that, no matter where you look, there are tips for how to save gas, how to increase your MPG and how to save money at the gas pump.

Danielle @ Saving Without a Budget writes Is your 401(k) Plan Going to Be Enough? – The fact that many employers have matching programs that match the funds that a person puts into their 401(k) yearly is one of the big reasons that many people like them as well as the fact that the money deposited into 401(k) accounts is protected from taxes.

Matt @ Budget Snob writes Frugal Habits that may actually Cost You in the Long Run – When is a money saving habit not a good habit? When it actually cost you more money than it saves you.

Jack @ Money Saving Ethics writes Credit Mistakes that Older Americans are Making – The cost of healthcare is rising, pensions to supplement Social Security have been going away for quite some time, savings are not growing due to lower interest rates and, most significantly, credit debt has seen a huge rise. Here are some of the biggest mistakes that older Americans are making with credit.

Richard Adams @ Frugality Magazine writes Growing Melons In A Cold Climate: The Complete How To Guide – Over the last few years I’ve been successfully growing melons in the cool, damp British climate and today I’d like to discuss how you can do exactly the same thing no matter what your weather.

Christopher @ This That and The MBA writes How To Launch Your New Brand Into The Big Leagues – Owning a business is much like owning a baseball team. You have the minor leagues and the major leagues. Household names fall in the latter as do the biggest profits, so it only makes sense that everyone would want to try and shoot for the big leagues with their brand.

Robert @ Kids Ain’t Cheap writes Halloween Safety Tips – To avoid the many risks children face while trick-or-treating, it is imperative to use common sense. Here are some Halloween safety tips that will keep your kids safe and happy during this exciting holiday.

Adam @ Money Rebound writes The Mistakes That Stop Your Savings Account from Building Up – Want to know which habits can cost you money in the long run? Well, it’s time to break loose from them.

CONTENTMENT

Lisa E. @ Lisa Vs. The Loans writes Don’t Be a Complainy-Pants – It’s easy to come up with an excuse for everything – why you don’t have a job, why you don’t make enough money, why you don’t save, etc. Stop complaining and start doing something about it!

EARLY RETIREMENT

Roger @ The Amateur Financier writes 4 Sources of Income in Retirement – A guide to several sources of income during retirement, including social security, pensions, personal savings and investments, and working part-time,

Crystal @ Married (with Debt) writes Remembering the “Pay Yourself First” Rule – Before my husband and I went self-employed, I had a 401k and hubby had a pension plan. Those went bye-bye when we did. Now we are adding more options.

Michelle @ Diversified Finances writes When is a work environment toxic? – Is your job so stressful that you can’t even function outside of work? Do you have no work-life balance? Sometimes you need to think about your health and how your job is affecting your life and your family’s lives.

Justin @ Root Of Good writes One Month Into My Early Retirement Adventure! – Yesterday marked the one month anniversary of my early retirement. Where did the time go? Why did I not accomplish more? It seems like just yesterday I was working, yet it also seems like an eternity ago.

FINANCIAL INDEPENDENCE

Lindy @ Minting Nickels writes When Is The Ideal Time To Buy Gold? – Gold is often thought of as the ultimate symbol of wealth. People have been chasing it forever, and wars have been fought over it.

Mike @ Personal Finance Journey writes Money saving tips for the Laundry – Simple and easy Money Saving tips for the laundry. It doesn’t have to expensive to keep your clothes clean!

MMD @ IRA vs 401k Central writes Understanding the 401k Limits on My Contributions and Other Rules – The IRS has many 401k limits placed on how much you can contribute, how much your employer can contribute, and a lot of other aspects that can affect your savings and future withdrawals. This post will cover all the main highlights.

Usiere @ Financial Freedom Inspiration writes Achieving Financial Independence: the power of Momentum – Habits are such a powerful force. According to a quote by John Dryden – “We first make our habits, and then our habits make us.” Your habits can predict where you will end up if you keep going the way you are going. This holds true in every area of life, every goal we set out to achieve. It determines whether we are making progress towards it or it is just a pipe dream.

Harry Campbell @ Your PF Pro writes Which Cards to Apply For In My First Credit Card App O Rama – This is the second article in a three part series on applying for credit card bonuses aka App O Rama(AOR). In the first part, I talked about how to prepare for your first App O Rama, the potential benefits and the impact to your credit score.

Deacon @ Well Kept Wallet writes Getting Out of Debt: 5 Steps to Eliminate Your Debt Quickly – When your are looking to accomplish something, it is a lot easier to make progress when you have some steps to take. Otherwise it can be challenging to even figure out where to start. You also don’t want to have too many steps, you want to keep it simple so that you don’t get frustrated in the process.

Adam @ Money Bulldog writes The Financial Benefits of Volunteer Work – Get yourself familiar with the financial gains that a lot of people wouldn’t expect from volunteer work.

INVESTING

John S @ Frugal Rules writes When it Comes to Investing, Be the One Who Dives in Head First – Many allow fear to hold them back when it comes to investing in the stock market. However, if you give yourself some practical lessons you can put yourself in better standing to build a retirement portfolio and begin to grow your wealth.

Dividend Growth Investor @ Dividend Growth Investor writes Three Characteristics of Successful Dividend Investors – Just like practicing skills in any field, Dividend investing takes time to learn. In this article I describe what it takes to be a successful dividend investor

Jacob @ Cash Cow Couple writes Motif Investing Review – Motif Investing is an innovative company that allows you to hold motifs (bundles of specialized stocks) in your investment portfolio.

Robert @ The College Investor writes Microsoft Making Progress on Long-Term Plans – There are a few key questions but first and foremost is will Microsoft succeed in its push into more exciting, faster growing markets and offset ongoing erosion in PC’s which hurts its core Windows and Office product lines?

MAKING MONEY

Jim @ Save College Money writes saving for college goal – After a long talk with my parents, we’ve determined that I’m not going to have enough for the college education that I’m interested in. While my parents have been saving for my college education since I was born, the projected amount that will be needed for college will still fall short… Read my plans!

Mr. Frenzy @ Frenzied Finances writes What High School Never Taught You (And Should Have): What is a Bond? – High school teaches you algebra, english and history – but it doesn’t teach you finance! Read here to learn all about a bond.

Suba @ Broke Professionals writes Money Terms You Need to Know – Read these critical money terms that you should know to be knowledgeable in the personal financial world.

Tushar @ Start Investing Money writes Saving From a Young Age – There is a big difference between saving on behalf of your kids and teaching them good savings habits so they can start saving on their own. Many parents want to put something away for their children’s future – perhaps to help them through college for example.

Corey @ 20s Finances writes 6 Tips for Recent Grads to be Smarter With Their Money – Everyone knows that after graduation, there’s a lot you need to do. One of the most important things you can do is learn to be smart with your money. Whether you already have a job, or you’re looking for one after school is out, here are some money tips to help you stay ahead.

Don @ MoneySmartGuides writes 5 Autumn Home Maintenance Tips – With winter approaching, it’s important to get your house in order for the cold weather. Here are some autumn home maintenance tips for you to implement.

Cat Alford @ Budget Blonde writes Make Your Home Fancy and Modern On A Budget – If you want to modernize your home on a budget, here are some great tips to get that bright, airy feel you want without breaking the bank.

Lauren @ L Bee and the Money Tree writes My New Net Worth – Should I count my home’s value in my net worth?

IMB @ Investing Money writes The Big Question for Investors-Inflation or Deflation – Investors are scratching their heads asking: “What in the world is going on? What is real? What should I believe?” This is the big question on inflation.

Alexa @ Single Moms Income writes How to Make Your Side Business Grow Faster – When I first had the idea to start a side business my thoughts were that it would take approximately a year to bring in enough income to account for anything. And – I was partially correct.

Dollar @ Easy Extra Dollar writes Five Ways To Make Extra Money Online – Internet connectivity and services like email has allowed individuals to work from their homes. In the past, such work arrangement was done by consultant or freelance programmers. But with the present services offered on the internet, you don’t need to be a consultant or a programmer to make money online.

Adam @ Money Bulldog writes What Is Holding You Back from Setting Up Your Own Business? – How to turn your life around and be a business owner yourself. Defeat life challenges and become your own boss!

Pauline @ Make Money Your Way writes How to make money as a TV/Movies extra – Tonya shares how she made money as a TV extra and how it really is behind the scenes.

Simon @ Modest Money writes How to Get the Best Possible Price when Selling your Car – If you’re ready to trade your old car in for something new, you have a few options. You can either turn it into a dealership or sell it on your own terms. To get the best price for your car, you’ll need to invest a bit of time and research.

Adam @ Money Rebound writes Earn a Bigger Salary without Changing Jobs – Loving your current average-paying job but struggling to pay the bills? Find out how you can earn more without having to leave your dream job.

PERSONAL FINANCE

Eva Baker @ TeensGotCents writes The Envelope System – An Update – I use the envelope system to budget my money. I have been working very hard to save up for a car, college and retirement – here’s an update!

Ted Jenkin @ Your Smart Money Moves writes Let Me Tell You How It Was When I Was A Kid – Remember. Remember how thoroughly annoyed you got when your parents sat you down for that tongue lashing telling you about how spectacular your life is today

Minimalist @ Minimalist Finance writes Save Money on Heating This Fall – There’s no doubting that fall has descended upon the Western world. The days are becoming shorter, the leaves are falling off of the trees, and there’s a chill in the air that wasn’t around just a month ago.

Kyle @ The Penny Hoarder writes Are You Making This Budgeting Mistake? – If you’re like many Americans, you sit down every month and make a rough budget. You estimate how much money will be coming in, and you write down what you will do with that money. Perhaps, like many Americans, when the end of the month comes, you find yourself looking at a negative number.

Luke @ Learn Bonds writes Why The Recent Drop In Interest Rates May Not Be What You Think – The factors that contributed to Wednesdays drop in Treasury yield may have more to do than just the Fed and quantitative easing.

Jester @ The Ultimate Juggle writes Fairness In Spending On Kids – When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).

Jacob @ AllPersonalFinance writes Tax Season Is Around the Corner: Six Things To Do Today To Prepare – Many people do not start thinking about their taxes until April 15 approaches. However, it is never too early to start preparing for the next tax season. Preparing early can help you save a lot of time and stress. Read about these six tips that will help you prepare for tax season!

SavingMentor @ How To Save Money writes Know How Much Car Repairs Should Cost – I don’t know about you, but whenever I head to the service center to get my car inspected I’m always very apprehensive about what kind of problems they might find and how much it will end up costing me to get it fixed.

Don @ Money Reasons writes Do I Have Brilliant Ideas on Helping the Econony or No? – These are some ideas I have for helping the economy. While I think they are original, I wonder if they are being considered already within the government?

Bargain Babe @ BargainBabe writes Alternative Ways to Earn Income – Dedicated – Have you heard those radio add or seen the television commercials depicting individuals claiming they need help to “sell my gold”, “get cash now” or sell my diamond?” If you listen to the radio at all…

SBB @ Simple Budget Blog writes The Freelancer’s Budget – So you’ve decided to quit your job and turn your hobby into a freelance career! Read here for tips on how to set up a budget when you’re a freelancer.

Tushar @ Finance TUBE writes 3 Tips To Prepare Your Family For Cost of Aging – Admitting that your loved one is getting older is hard but not as hard to figure out our family will afford the overwhelming cost associated with aging. From hospital care to doctor’s visits, caring for your loved one Here are three tips how to financially prepare: Firstly learn more about financial planning.

Brent @ PersonalFinance-Tips writes 5 Secrets to Breaking Your Bad Financial Habits – If you want to gain control over your finances and break unhealthy habits, follow the following five tips. 1. Take Emotion Out of the Equation Some people spend a lot of money because they associate certain items with an emotion or experience. For example, a person may buy dolls because she associates them with her childhood and happy memories.

Hank @ Money Q&A writes Are You Losing The Financial Game Of Life? – Are you losing in the financial game of life? If you answered yes, you’re not alone. In 2008, 1 in 10 workers were made redundant.

Rich @ Growing Money Smart writes What is Debt Ratio? – What is Debt Ratio? This post defines the ratio and give a take on what if the ratio is a high number

krantcents @ KrantCents writes Do You Plan or Plan to Fail? – I plan because I do not plan to fail! If you have goals, you need a plan to make it happen. A budget is a form of a plan. Why budget? A budget is supposed to help you achieve your financial goals.

Wayne @ Young Family Finance writes Minding Your Business: What Type of Corporation are You? – Is your business a nonprofit, sole proprietorship, or corporation? If you’re starting a business, it could be important! Find out here.

SFB @ Simple Finance Blog writes Concerns that Parents should think about before cosigning a Loan – There comes a time in your life when you may be requested to co-sign on a loan.

Tushar Mathur @ Everything Finance writes Three Tips to Save Money on Halloween This Year – If you couldn’t already tell by the store displays and kids already running around in their costumes, Halloween is only a month a way.

Debt Guru @ Debt Free Blog writes Security for Less: Cutting Your Car Insurance Costs – It’s time to research options and get the most out of your insurance policy. Here are five tips to cut car insurance costs without missing out on coverage.

LaTisha @ Young Finances writes How Can I Use Credit Wisely? – Credit cards are not evil. You can build a healthy credit history. Use credit to borrow, get better car insurance rates and potentially secure employment.

CAPI @ Creating a Passive Income writes Staying Safe: The Pros and Cons of Safety Deposit Boxes – People are doing all sorts of things to keep their valuables safe. Today we’ll take a look at safety deposit boxes to establish whether they are efficient.

Daisy @ Suburban Finance writes Getting Fit Without Spending a Fortune – Getting in shape without a gym membership is easy. Save money and slim down with some of our tips.

Tushar @ Earn More and Save writes 3 Things You Need to Know About Paying Off Debt – You’re on a mission to earn more and save as much as possible. There is only one thing standing in your way. Debt. To build a solid financial foundation you first need to free yourself from the burden of debt.

Ryan @ Cash Money Life writes Income vs Wealth – And What it Means For You – There is a big distinction when comparing income vs wealth. Income is how much you earn, wealth is how much you keep. Make your money work for you.

Jon @ Novel Investor writes The Affordable Care Act 101 – The Affordable Care Act changes to health insurance coverage take effect in 2014. Here’s a quick overview of the early changes and what to expect.

Anton Ivanov @ Dreams Cash True writes How to Get a Free Credit Score – Your credit score is just as important as your credit report. Our guide explains how to get a free credit score from Credit Sesame in just a few minutes.

Todd @ Fearless Dollar writes Why The Fearless Dollar? – Todd and John from Fearless Men’s Lifestyle blog have broken down and have finally jumped into the Personal Finance arena aimed conquering fear and your money.

Robert @ Beat The 9 to 5 writes 6 Ways Entrepreneurship Could Leave You Needing a Lawyer – Whether you’re already working your side hustle, or just thinking about beating the nine to five, here are six situations which could leave you needing a lawyer as an entrepreneur or solopreneur.

Jon Haver @ Pay My Student Loans writes Student Loan Forgiveness Programs – Some student loan forgiveness programs have deadlines and stipulations to meet so it is ideal to look at these programs when even looking at loans to take out. If you have already graduated that is okay too but it is important not to delay finding out all the proper information on student loan forgiveness.

Natalie @ Debt and the Girl writes 20 Truths You Learn in your 20s – I have been reading a great book called 101 Secrets for your Twenties by Paul Angone. It inspired me to come up with my own list of 20 truths that I find to be true since being in my 20s.

Bob @ Dwindling Debt writes Avoid these 5 Financial Blunders – The ability to retire with very few financial worries is the goal that millions of people working today have set for themselves. Avoid these mistakes that could ruin your financial plans.

Andrea @ So Over This writes Direction of this Blog, and Getting to Know Me – By now I am sure the faithful have realized that this blog has taken on a considerably different tone in the last month or two. Our fantastic blogger and friend, Andrea, has decided to take some time away from blogging to focus on other avenues of her life.

Lenny @ Best Money Saving Blog writes Financial Advice that you Shouldn’t follow, as Recommended by Suze Orman – We put together some financial advice that you actually should not follow based on the words and opinions of one of the most respected financial advisors today, Suze Orman.

Jon Haver @ Pay My Student Loans writes Best Time To Refinance a Student Loan – There may be questions about when the best time to refinance a student loan is, or if it is a good idea to refinance the loans at all. We have created a brief guide that will help answer some of the pressing questions for college graduates.

CONCLUSION

Whew, good job for making it all the way down here!!! That’s it for the 17th 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.

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