Aspiring Blogger – Personal Finance Carnival #17 – October 18, 2013



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

Welcome to the 17th edition of the Aspiring Blogger – Personal Finance Carnival. As you will see – we have another 100ish articles this edition, which is just nuts! So, beginning next week, we will be moving to a weekly carnival format! I’m excited about this change as it will give the authors a better chance to have their articles featured and you (readers) more of a chance to get through the articles! I really think it’s going to work out better for everyone involved, so I’m excited!!!

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 How I lost 40 lbs And Improved My Finances – The following is a guest post from Stuart Laing of Daily Money Bucket. This is how he lost 40 pounds and improved his finances.

Mr.CBB @ canadianbudgetbinder writes Thanksgiving: Being Thankful On A Budget – Thanksgiving doesn’t have to break the budget if you plan in advance. There are ways to save money in your budget so you can have a lovely meal and celebrate with your family and friends on a day we should all give thanks for what we appreciate in life


Andrea @ So Over This writes 3 Tips for Saving Money on Your Internet – Anyone who pays for Internet knows how costly it can be to stay on top of the bills each month, especially in a society that leaves a lot of web surfing to be desired.

Katie @ IRA Basics writes Benefits of a Budget – Budget. It is a dreaded word, not one that instills ideas of grandeur and immense fun. It is also a word that is often neglected, an idea that most of us would rather not think about.

Marissa @ Finance Triggers writes Saving Money on Gluten Free Products – Gluten is wreaking havoc on diets these days. Most people think that this is a new trendy diet, and while it is not really a new ailment, but one that has been plaguing people for years.

Jason B @ The Butler Journal writes October Debt Update – My October debt repayment update. I have a long way to go.

Brian @ Luke1428 writes 4 Reasons Your Budget Isn’t Working – Budget success doesn’t happen overnight. When my wife and I first started trying to budget, we found these four things wrecked our plan every month.

Robert @ The College Investor writes How Frugal Do You Need to Be? – According to Google, the definition of frugal is sparing or economical with regards to money or food. Here lately, thanks in large part to TV shows like Extreme Couponing and Extreme Cheapskates, frugal living has become a fad.

Pauline @ Reach Financial Independence writes Budgeting lite, a budget for the budget haters – Are you a budget hater? Try this Budgeting lite an approach to budgeting is a no budget approach.

Christopher @ This That and The MBA writes Easy Household Budget Strategies – The way you’re paid can determine how you budget your money each month. If you’re paid on a weekly basis, you can calculate your budget based on four paychecks a month. That means you’ll have four extra checks throughout the year to help with extra expenses.

Adam @ Money Bulldog writes Find a Cheap Hobby and Enjoy Life More – Having a great hobby doesn’t always mean spending money, here are some cheap but fun things to do on your free time.

Chuck @ The Tortoise Banker writes Enjoy Life – Folks interested in extreme savings techniques and early retirement strategies should look to this post for some very important reminders on why it’s important to LIVE life, not EXIST!


Grayson @ Debt Roundup writes When Opportunity Knocks – I had an opportunity to score a new to me Jeep Wrangler. I thought about it and ended up getting a used auto loan. There are some reasons why and I lay them out here.

Lisa E. @ Lisa Vs. The Loans writes The Future You – Are you making life easier or more difficult for Future You? What things do you need to sacrifice in order for Future You to be content?

Tushar @ Finance TUBE writes Simplify Your LIfe in 3 Easy Steps – There so much talk about simplifying but it’s not often how people expect to do it. We know this simplifying is good for us and help us to be lighter and breathe a little easier. So to get motivated there are three easy steps to get motivated for once and for all.


Jon @ Novel Investor writes Roth IRA Rules: Everything You Need To Know – The Roth IRA has its advantages. But is it a good fit for you? This guide covers everything you need to know about the Roth IRA rules and more.

Matt @ Budget Snob writes Guard Your Retirement Income with these Comprehensive Tips – One sad fact that all people nearing or already in retirement have to deal with today is that income during retirement is lower than it has ever been in the last 60 years.

Justin @ Root of Good @ Root of Good writes Early Retirement at 33: An Overview – Justin at Root of Good reveals his story of financing a very early retirement at age 33. All the steps from college to retirement are explained.


Michelle @ Making Sense of Cents writes Being Defined By Your Job or Career – I am completely serious. For some reason, many people who I tell my story to do not consider freelancing to be a “career.” I’m not sure why my boring financial analyst job (where I just sit in my office by myself all day and give millionaires even more money) is considered to be full-filling by others, whereas doing what I want to do and interacting with people on a daily basis who I actually care about, is considered to be not full-filling and throwing my life away.

Adam @ Money Rebound writes Tips for Finding the Ideal Work-Life Balance – Explaining just how important finding the middle-ground between work and enjoying your life really is.

Harry @ The Four Hour Work Day writes Passion Will Get You to the Top – “When I started my first blog in January of 2012, I had no idea what I was in for. I didn’t do it to make money and I definitely didn’t do it for the accompanying fame{who knew I’d become so famous?! 🙂 }. Instead, the main reason for starting my first personal finance blog was because I sincerely enjoyed talking about money. I liked saving money, I liked earning money and I wanted to have more of it. So why not start a blog that talks about all those things? ”


Maria @ The Money Principle writes The single biggest challenge to investors: the three faces of investing – Here I put forward the argument that the single biggest challenge for investors is that investing is at present, more than ever, a gamble.

Dividend Growth Investor @ Dividend Growth Investor writes Do not despise the days of small beginnings – In this article I argue why it is important to start investing, even if you have small initial amounts of funds to invest. The most important thing about investing is simply to get started.

Lenny @ Best Money Saving Blog writes Investments That Aren’t Really A Very Good Investment – Everyone wants to make as much money as possible with as little effort. That is not always possible of course and, when it comes to financial planning, you need to be aware that all investments are definitely not created equal.

Hadley @ Epic Finances writes As stocks approach record highs, the market is looking rather complacent – As the market nears a historic high on the S&P 500 some analysts are concerned that it is looking a bit complacent. Maybe even bored.

Lily @ Paying Debt Down writes How to Invest like an Old Pro (even if you’re a Young Amateur). – Something that your Wall Street broker never wants you to find out is that investing like a Pro is actually pretty easy. The fact is, practically anyone can put together a portfolio that’s well diversified with stocks, bonds and other investments with only a small amount of effort.

Barbara Friedberg @ Barbara Friedberg Personal Finance writes How To Build An Investment Portfolio Using Asset Classes – This multi-part series will walk you through, step by step, how to maximize your investment returns using asset classes investing.

John @ Frugal Rules writes OptionsXpress Review: An Online Brokerage Worth Looking At – Investing in the stock market is vital to building wealth and with the variety of options available of where to invest it can be confusing. Choosing a good brokerage that has good offering and low fees can be a great way to help grow your retirement portfolio and get your investing on the right foot.

Jon @ Novel Investor writes Does A Target Maturity Bond ETF Fit Your Portfolio? – A target maturity bond ETF offers some unique benefits that your typical bond funds don’t, like having a maturity date on a diversified bond fund.

Matt Becker @ Mom and Dad Money writes Beware the Source of Your Financial Advice – When it comes to financial advice, there’s so much BS out there and it makes me sick. When it comes down to it, you’re the only one who truly has your best interests at heart. There are people who can help you make your goals a reality, but you have to understand that there are likely even more who are much more interested in simply taking your money and running. And the financial services industry is one of the worst in this respect. Educate yourself and thoroughly evaluate any prospective ad


Michelle @ Making Sense of Cents writes Blogspot or WordPress? What should you use? – After my post How to Start a Blog – Tips for a Beginner (this post included tips on how to get your domain, self-hosting, etc. and reasons for why you should), I received several e-mails on how to switch from Blogger/Blogspot to WordPress. A lot of you also asked me what is better: Blogger or WordPress? WordPress or Blogger?

Michelle @ Diversified Finances writes Ways to Make Money In Your Home – With my side business (which will very soon be my main business), mostly everything that I do is online. I can work from the comfort of my home and create a schedule which best works for me and my services.


Tushar Mathur @ Everything Finance writes Deciding Whether You Should Rent or Buy a Home? Make Sure to Consider All The Costs – Interest rates are slowly creeping up, and the stale housing market is finally on the upswing.

Rich @ Growing Money Smart writes 529 Plan Tips – Here are my 529 plan tips based on my experience based on what I’m doing for me kids. Learn by not repeating my mistakes and optimize your college strategy.

Jacob @ AllPersonalFinance writes Reasons to Hire a Bookkeeper, Accountant… or Both! – In those heady early days of starting your own business, you probably thought you could get away with working 18 hour days, 7 days per week, indefinitely. You were drunk on the notion of success lurking just around the corner and who needs sleep anyway?

Jim @ Save College Money writes My Save College Money Strategy – The goal of the “Save College Money” is to save as much college money as possible before actually starting college, but with a twist.

Kyle @ The Penny Hoarder writes What Annuity Options Are Available Post-Retirement? – Retirement is something many of us will look forward to. Saying goodbye to the world of work, the daily grind and having to get up at 7am every weekday morning are just reward for decade after decade of turning up to our jobs on time, putting a good shift in and contributing to the economy…

Suba @ Broke Professionals writes How to Fit Exercise in a Busy Day – We all know we should exercise more, yet most of us have sedentary jobs and home lives.

IMB @ Investing Money writes Investing in Building Products-Retail-Wholesale – Housing prices are rising, with some increases quite dramatic. Time to invest? Read here for information on investing in building products and retail.

Don @ MoneySmartGuides writes Home Improvements That Can Boost Your Home’s Efficiency (and Value) – Read about home improvements that make a difference in efficiency! Even little changes can make a big difference

Wayne @ Young Family Finance writes The ABCs of Home Forfeiture – What you need to know about mortgage returns, short sales, and foreclosures.

Jester @ The Ultimate Juggle writes New Family Vehicle – This is how my family juggled the decision of what vehicle to buy for our family. See how my brain processes such decisions.

Sam @ Grad Money Matters writes 6 Questions To Determine What You Should Blog About (And Make Tons of Money From It) – It’s no secret that blogging, when done correctly can be a very lucrative past time. In fact, many people now work full time in the comfort of their own home, with their blog as their main source of income.

Michelle @ Diversified Finances writes Tips for New Bloggers – As a blogger, I am constantly asked what my top tips for bloggers are. I even have people in the offline world ask me to spend a day with them and teach them.

Sam @ The New Business Blog writes Tips to Get your Social Media marketing on the right Track – Social media is the new darling of the online marketing world and, if you are keen on tapping into the people, and the power, of social media, you’re going to need a plan.

Larry @ KrantCents writes Options to Leave Room for in Your Web Design – When putting together the design elements for your eCommerce store, you need to make sure that you leave room for certain options for payments, formatting, and the like.

Kay @ Green Money Stream writes Would You Rent Out a Room in Your House to Earn Extra Income? – To earn extra income some people consider renting out a room in their house. Here are some of the reasons why that could be a rewarding experience.

Dollar @ Easy Extra Dollar writes Quick Tips on How to Make Money Online – To make money online finding out about what stocks are performing well, what stocks are going up or down and when to buy and sell are the essential bits of information needed to make a decision when dealing with stocks.

Pauline @ Make Money Your Way writes September blog income and stats recap – This is my September blog income and stats recap.

Anton Ivanov @ Dreams Cash True writes Are You Buying Assets or Toys? – Wealthy people buy assets. Poor people buy toys. Buying assets will grow your net worth and allow you to reach financial independence.


SFB @ Simple Finance Blog writes How to Manage Your Finances If You Graduate Without a Job – Anyone who has graduated from college has indeed made a great achievement, but along with the excitement comes the anxiety of graduating without a job and not sure what the future holds for them.

Mike @ Personal Finance Journey writes Facts and Fiction about Interest Rate Definitions – 7 Myths and Facts about Interest rates and what do interest rates mean to normal people like us in our everyday lives?

Lauren @ L Bee and the Money Tree writes How to Manage Money (Virtually) – Learn how to manage money the virtual way with this cool infographic!

Mr. Frenzy @ Frenzied Finances writes For Your Bookshelf: 5 Financial Reads that Could Help You – An individual is able to educate their self through books, for your bookshelf: there are 5 financial read that could help you.

Eva Baker @ TeensGotCents writes Spent My Entire Emergency Fund… – I may have spent most of my emergency fund on something that was most definitely not an emergency, unless I can count Paparazzi jewelry as an emergency…

Roger @ The Amateur Financier writes Why Penny Auctions Suck – A review of penny auctions, looking at why they aren’t a good idea, from the costs to make bids to the disreputable activities some firms use on their consumers.

Ted Jenkin @ Your Smart Money Moves writes $5 Or Less Cheap Eats Lunches In Atlanta – If you make $100,000 or more, you might wonder why you could still be living paycheck to paycheck.

SBB @ Simple Budget Blog writes Worst-Case Scenario: Budgeting for a Natural Disaster – You never know when you’re going to be hit by a natural disaster, so it’s imperative to prepare.

Mrs. Accountability @ Out of Debt Again writes One Day We Will Get Out of Debt – We have been struggling to get out of debt again since 2007. In February 2002 I was completely debt-free.

SavingMentor @ How To Save Money writes No Fee Banking Is Totally Worth It – No fee banking has been around for quite a while now in Canada but I still see the majority of people around me using debit cards from one of the big five Canadian banks and I’m always asking myself “why?”.

Cat Alford @ Budget Blonde writes Would You Sell An Organ To Pay Off Debt? – Would You Sell An Organ To Pay Off Debt? What about donating your eggs? I don’t think I would, but I want to hear from you!

Bargain Babe @ writes 5 Ways to Cut the Cost of Raising Kids – A few weeks ago, MSN had an interesting article on how to cut the cost of raising kids in half. According to the U.S. Department of Agriculture, the cost of raising a child in 2013…

Hank @ Money Q&A writes 5 Ways To Save Money On Your Next Vacation – Whether you are planning a vacation on the slopes or in the sun, you’ll want to get a great deal. There are several ways how to save money on your next vacation.

Corey @ 20s Finances writes How We Are Planning to Save MORE Money – Do you need more money for something? Saving more money takes work, but here are 10 practical steps to help you save MORE money.

Justin @ Digit Fox writes A Collection of Some of the Best Apps for your Smart Phone – There are apps for grocery lists, games, calendars, notes, news and practically anything else you can think of. (Seriously, there is an app for practically everything!) Here are our favorites.

Debt Guru @ Debt Free Blog writes Stress-Free Filing: Filing Your Income Taxes The Easy Way – Filing taxes can be one of the most stressful times of the year for most people. People who like to procrastinate will often make this difficult time even worse. However, there are many ways to make income tax filing time easier. Here’s 5 stress free tips to filing your income taxes the easy way.

Daisy @ Suburban Finance writes How to Set a Christmas Budget – Ever wonder how to set a Christmas budget? You should be budgeting for Christmas as soon as possible to prepare.

ETZ25 @ Entertainment Timez writes Megamind – A Lesson Of Personal Development – Instead of good versus evil, the movie Megamind is really about personal development and becoming a beneficial member of society. Funny!

Minimalist @ Minimalist Finance writes Ways to Make Money Online – Making money online is something that is coveted by many, but achieved by fewer. While it is relatively easy to make money online once you get started, it can be difficult to get past the initial phase of not knowing where, or how, to start.

Ryan @ Cash Money Life writes How to Successfully File an Insurance Claim with USPS – It’s never fun receiving a damaged item in the mail, especially when it is valuable. Fortunately, it is easy to file an insurance claim with USPS.

Don @ Money Reasons writes Was the Removal the Uptick Rule Stupid? – The “Uptick Rule” was removed back in 2007 and within a few months we had the great recession… I thought removing the uptick rule was wrong then and I still do… read why!

Michelle @ The Shop My Closet Project writes Cash money, dollar, dollar bills – Go grab your wallet or purse before reading this post. Great, you’re back. Now, I want you to look into your wallet/purse whatever. You know, the thing that you put your cash and credit cards in, ok now count your money. Ignore the credit cards. They’re not real! Interested?

Luke @ Learn Bonds writes How Will the Affordable Care Act Impact Municipal Bonds? – The Affordable Care Act has caused tension with investors, but may not actually change how municipal bonds have historically spiked during financial crisis.

Brent @ PersonalFinance-Tips writes Tips For How To Manage Your Medical Bills – It is usually very simple to keep track of some bills associated with certain payments, such as electricity and water bills in your living expenses. For instance, it means that you owe your electric energy provider $50 when you receive an electricity bill for $50.

CAPI @ Creating a Passive Income writes Key to Earn Passive Income from Blogging: SEO – I’ve been blogging for over two years now and I’ve come to learn what it does and does not take to earn passive income from blogging. Many people have bragged about earning passive income from blogging, but the truth is that they work their tails off to earn that income – and it never stops.

Anton Ivanov @ Dreams Cash True writes The Best Finance Books of All Time – This list of the best finance books is a great place to start learning more about personal finance and investing. There is so much to learn from these 10 awesome books!

Oscar @ Money is the Root writes Why You Should Buy A House Before 2014 – If purchasing a new home is something that you are planning to do in the next year, making that purchase during the last quarter of 2013 might just be an excellent idea.

Jay @ Daily Fuel Economy Tip writes Avoid these Fuel Saving Devices that simply Don’t Work – Many of the devices on the market today lay claim to some overlooked factor that car manufacturers or gas producers do not want you to know about, something that is usually small and which should they claim to have figured out how to exploit.

Danielle @ Saving Without a Budget writes Buying a Home? These Tips will make it Easier – Even though it is a bigger dream than ever before, home ownership is still a dream for many Americans.

Amy @ Money Mishaps writes Are you Throwing Money Away? If You do These 3 Things, Yes – Science magazine just published a study that found that, if you are poor and also mismanage your money, it is possible that you might be able to make good financial decisions but more than likely you have trapped yourself into a vicious circle and cannot.

Marissa @ Thirty Six Months writes Proactive Ways to Lower Car Insurance Rates – Rather than accept the first sky-high quote that comes your way, it is important to compare your options carefully and take a few proactive steps to lower your rates.

Monica @ Monica On Money writes Government Shutdown: Everyone Needs An Emergency Fund – At this point, we all know about the Government Shutdown and how much it affects us directly and indirectly. But for now, on the positive side, this is a reminder to reflect on our own personal finances.

Holly @ Club Thrifty writes And……We’re Renting a Home – We have not found a house we want to buy….we were renting a home instead.

Alexa @ Defeat Our Debt writes 5 Drastic Ways to Free Up Money for Debt Repayment – It could take months of years to pay back your debts. If you’re serious about eliminating your debt you may need to make some drastic changes.

Connie @ Savvy With Saving writes Stay Healthy, Save Money – There has been a lot of talk about Obamacare and while I am not going to insert my two cents here, it has gotten me thinking about my health a lot lately.

FI Pilgrim @ FI Journey writes The High Price of Fanaticism – Being a fan or follower of any kind of mainstream media, news, entertainment or sports team has some hidden costs. Is fanaticism worth all that?

Chuck @ The Tortoise Banker writes Protect Your ASSets and Income – Generating meaningful wealth is tough enough, doing it more than once is enough to break anyone. Follow these important tips to assure you put a buffer between the world and your income and assets.

Jason @ The Money Makers writes New 100 Dollar Bill – What Changed? – The new $100 dollar bill was introduced to the world recently and Benjamin Franklin, the iconic figure who has traditionally graced the C note for decades, would, as a garish and innovative guy himself, completely approve.

Jon Haver @ Pay My Student Loans writes Federal Student Loan Forgiveness Program – Federal student loans not only help you get your college education but they can even help you not have any debt. You may be asking yourself how that is even possible. Most people when they took out their loans thought they would have to pay this money back without a doubt, but that is not necessarily the case.

J Rodriguez @ Modest Money writes Discover it® Credit Card Review – Top Cash Back Card – If you watch T.V., read finance blogs or even pick up a news paper or magazine once in a while, chances are, you know about the Discover it® card. But, what is It? Small promotions and funny commercials don’t give us nearly enough information to make an educated decision when it comes to choosing a credit card!

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.


Well, that’s all 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. Look out next week for the first of the weekly carnivals which hopefully will be a little shorter – but still packed with the goodness you’ve come to expect!

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.

{ 11 comments… read them below or add one }

canadianbudgetbinder October 20, 2013 at 11:08 am

Thanks for including Canadian Budget Binder this week! Mr.CBB

Reply October 20, 2013 at 11:11 am

Of course! Thanks for submitting!


Anton Ivanov October 20, 2013 at 12:12 pm

Thanks for including my post and hosting!

Reply October 20, 2013 at 12:13 pm

No problem, thanks for submitting your article and taking the time to stop by!


krantcents October 20, 2013 at 12:39 pm

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


Jason B October 20, 2013 at 3:12 pm

Thanks for including me.


Clarrise @ Make Money Your Way October 20, 2013 at 9:37 pm

Thank you for including Reach Financial Independence and Make Money Your Way this week!


Brian @ Luke1428 October 20, 2013 at 10:17 pm

Thanks for hosting this carnival and including my post.


Lisa E. @ Lisa Vs. The Loans October 22, 2013 at 2:32 pm

Thanks for including me! Will link to it in my next Links Lisa Likes post 🙂


MonicaOnMoney October 23, 2013 at 10:09 pm

Thanks for including my article! I linked to it at


Simon @ Modest Money October 28, 2013 at 6:46 am

Really appreciate your continual hosting of this carnival. Thanks for the inclusion.


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