Aspiring Blogger – Personal Finance Carnival #18 – November 1, 2013


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

Welcome to the 18th edition of the Aspiring Blogger – Personal Finance Carnival. Well, it turns out I was a little premature with my announcement that we were shifting to a weekly carnival format! The behind the scenes takes a lot more work than I see – but it should be done soon. In the meantime – enjoy another huge number of articles!!

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
Making Money
Personal Finance


Mr. CBB @ Canadian Budget Binder writes Budget Smarts- eating right for a healthy life – Eating well doesn’t have to break your budget nor does eating healthy mean you have to create meals with ingredients you just don’t understand. Learn some substitutions for common foods and how you too can eat well on less.

Crystal @ Budgeting in the Fun Stuff writes The Minimalism-Personal Finance Connection – For years I didn’t want anything to do with minimalism. I love my stuff and I had no intention of getting rid of it all. Then I started down the rabbit hole.


Tushar @ Finance TUBE writes Three simple ways for a business to save money in 2014 – Every other day seems to bring news of a price hike for one essential expense or another, and this means most people are looking to make savings without cutting corners.   Careful budgeting is even more important for a business than it is for household expenditure.

Daisy @ Suburban Finance writes How to Choose the Right Budgeting Software for You – You have a lot of options nowadays when it comes to choosing a budgeting software that can help your family (small or large) make the most of its income. There are free platforms like Mint that track and monitor your … Continue reading →How to Choose the Right Budgeting Software for You is a post from: Suburban Finance.

Pauline @ Reach Financial Independence writes Finally, a scanning code of practice! – This post will show you how important is a scanning code of practice.

Daniel @ Make Money Make Cents writes The Boom in Posh Pawnbrokers – If you watch any TV at all you have probably at least glanced at some of the myriad Pawn reality shows that have become so popular as of late. Cash poor but asset rich Americans are turning to pawn brokers for short-term loans, something that has been dubbed ‘high-class pawn brokering.’

Oscar @ Money is the Root writes The facts about Socially Responsible Investing – Socially responsible investors care more about the impact of their investments then the actual money that their investment will make.

Jay @ Daily Fuel Economy Tip writes Your Fuel Economy Cheat Sheet – One of the most important influencing factors for gas mileage is the one that is completely different from automobile to automobile; the driver.

Danielle @ Saving Without a Budget writes Tips for Creating an Engaging and Profitable Website – Having a website is definitely a must-have business tool today. The problem is that most business website owners do not really have a clue as to how to optimize their website and, more importantly, make it profitable.

Matt @ Budget Snob writes What kind of Debt is the Worst? – We all know that carrying any kind of debt is not exactly a good thing but is there actually a wost kind of debt to carry?

Jack @ Money Saving Ethics writes 5 Things You Shouldn’t Look for in Your New Home – One of the most important aspects is to actually find the right house for you, something that can be exceedingly difficult for first-time buyers who do not have the experience of knowing exactly what they want.

Amy @ Money Mishaps writes Airline Fees That Might Actually Be Worth Paying For – While most people are loathe to pay anything extra when traveling by plane, especially considering that it is so darned expensive already, there are actually a few extras that might be worth paying for.

Lenny @ Best Money Saving Blog writes How to Figure Out your Credit Score – The average person has a very basic idea about their Credit Score. It is either great, good or bad. But what exactly does your Credit Score really mean?

Hadley @ Epic Finances writes An Excellent ETF fund: Vanguard Dividend Appreciation – If you are looking for a great vehicle to meet some of your financial goals, the Vanguard Dividend Appreciation (NYSEARCA: VIG) exchange traded fund (ETF) is definitely one you should consider.

Andrea @ So Over This writes The Movers Destroyed My Belongings! – My wife and I just went through the process of moving, twice within a 4 month span. We hired the same movers both times, and thought we had received good service the first time around.

Lily @ Paying Debt Down writes The Best Car Price Negotiation Tips – The average person absolutely dreads purchasing a new car for one simple reason; negotiating for the price. Successfully negotiating an excellent price on a new car entails some research, commitment, the right attitude and more than a little bit of patience.

Bob @ Dwindling Debt writes Can you Really Go Contract Free with your Smart Phone? – Today there are plenty of options that you can take advantage of once your current phone contract has expired.

Katie @ IRA Basics writes What Does Business Capitalisation Mean? – A phrase often seen in business-related publication is that of business capital or business capitalisation. What does that mean?

Sam @ The New Business Blog writes Entrepreneur Tips on Using LinkedIn from the Pros – Here are several tips and some great advice that successful entrepreneurs use to get lots more eyes in front of your content.

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.

Marissa @ Thirty Six Months writes Barbados Luxury on a Budget – Many people consider budget and luxury to be at opposing ends of a financial spectrum. This is not necessarily always the case.

Buck @ Buck Inspire writes Yelp For Food Help – We were .a little behind schedule so by the time we finished checking in to Las Vegas, it was already past midnight. Our food options were limited

Monica @ Monica On Money writes $25 Giveaway & I Still Want A Cheaper iPhone Plan – $100 Per Month For An iPhone Is Not Frugal! My 2 year long contract with AT&T FINALLY ended this week! So I am excited to find a new (cheaper) cell phone plan and start saving some money!

Barbara Friedberg @ Barbara Friedberg Personal Finance writes Diversification Strategy: How To Figure Out My Risk Tolerance – There are many risk tolerance quizzes online, all promising to tell you how much volatility you can tolerate. The truth is no one cares when their portfolio value increases. The only risk we worry about is the decline in value!

Larry @ KrantCents writes I Am a Stud! – What makes me think I am a stud? One reason is I bought a fuel efficient car!

Alexa @ Single Moms Income writes Health Care Reform: A Single Moms Perspective on Obamacare – Obamacare does not exactly have everyone jumping for joy. Some are for it. Some are against it. And many do not even understand it.

Alexa @ Defeat Our Debt writes Are These 3 Things Preventing You From Becoming Debt Free? – The journey to paying off debt can often be a long one. Depending on the amount of debt you have it could take months, or even years, to pay it back. And, paying off debt comes with its fair share of struggles.

Graham @ Moneystepper writes Free Online Giveaways – Pros and Cons of Hosting Competitions – Free Online Giveaways – Pros and Cons of Hosting Competitions

Robert @ Kids Ain’t Cheap writes Can Laser Eye Surgery Improve Your General Fitness? – There are many reported benefits of laser eye surgery. From vastly improved or perfect vision, to reduced costs (owing to the fact you no longer need to pay for expensive lenses) laser eye surgery could improve your quality of life in many ways – but could it improve your general fitness too?

Adam @ Money Bulldog writes Shopping with Kids: How Not to Let It Ruin Your Life and Budget – Dealing with kids during errands can be a difficult task sometimes but here are some ideas on how to manage through those days.

Adam @ Money Rebound writes Is Downsizing to a Simpler Life Possible? – Using the unexpected economic changes to improve your life in many different aspects.

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes For Love & Money Friday – Making a Budget as a Couple – Every Friday my husband and I get together to talk money, and this week we discuss budgets, specifically creating a joint budget for both of us to use to reach our mutual financial goals.

Richard Adams @ Tech Toucan writes Natural Link Building: How To Build White-Hat Links With Weekly Blog Roundups – One of my favorite link building methods is getting my content linked to from weekly blog round-ups. In essence, a wide range of blogs – in many niches outside the IM world – publish a weekly “round-up” of the best posts that the respective bloggers have read over that seven day period.

Brian Fourman @ Luke1428 writes Dealing With My Daughter’s Big Milestone – My 12-yr. old daughter has been budgeting and saving her own money for months for her first big purchase. Even though I knew it was coming, I wasn’t prepared when she popped the question. She surprised me though with an unexpected frugal comment that made me real proud.

Sustainable PF @ Sustainable Personal Finance writes Adopting Minimalist Principles to Save Money and Live Sustainability – Congratulations! You have just finished paying for a wedding, which means you just spent the equivalent of a home down payment or a year of college on a single day. Now that the wedding’s all taken care of, your major expenses are over, right?

Pauline @ Reach Financial Independence writes Cheap DIY Halloween costumes: How to Make Fairy Wings, Wand and Crown – This post will show you how to make cheap DIY halloween costumes: How to Make Fairy Wings, Wand and Crown

Anton Ivanov @ Dreams Cash True writes Credit Sesame Review – Free Credit Score & Other Credit Tools – Access your credit score, credit monitoring and other great tools for free. Check out the full list of features in my Credit Sesame review.

Alexa @ Defeat Our Debt writes Are These 3 Things Preventing You From Becoming Debt Free? – The journey to paying off debt can often be a long one. Depending on the amount of debt you have it could take months, or even years, to pay it back. And, paying off debt comes with its fair share of struggles.

JC @ Passive-Income-Pursuit writes 2013 Goals – 3rd Quarter Update – I’m a firm believer in setting measurable goals if you want to make a change in your life, especially when it comes to your finances. Setting goals allows you to see where you stand and lets you develop a plan on how to get to where you want to be. In this post I take a look at how I’ve progressed on my goals for 2013. Lots to like and still some left to achieve.

Adam Kamerer @ Stop Worrying About Money writes 5 Christmas Gift Ideas For Friends and Family Who Struggle With Money – No one likes seeing family or friends struggle under mountains of debt and other financial woes. It is even worse when Christmas rolls around.


FI Pilgrim @ FI Journey writes Get More Done: A Few Favorite Productivity Methods – We could all use some extra time in the day. Here is a list of a few of my favorite productivity methods that help me to get more done!


Corey @ 20s Finances writes How to Retire With Rental Properties – Many people doubt the power of real estate, but I prove beyond a shadow of a doubt that it’s possible to retire with rental properties.

Justin @ Root of Good @ Root of Good writes Rethinking Retirement – Nick from guest posts at Root of Good and discusses “pretirement” as an alternative view of the traditional concept of retirement. Pretirement is a phase of life where you can do what you want to do for fun and for an income.

John @ Frugal Rules writes Protecting Your Retirement Funds in These Volatile Economic Times – Whenever you invest in the stock market, it’s important to be aware of current economic conditions and how they may impact your retirement portfolio as you seek to build wealth that’ll last for the long run.


Robert @ Entrepreneurship Life writes Entrepreneurial Writers: Make Your Website Look Good For Less – Fortunately, there are a few options you have to make your website look good (and unique) without having to hire a web designer that will cost your an arm and a leg when you’re first getting started.

Harry Campbell @ Your PF Pro writes I Finally Filled Up My Lending Club Roth IRA – It seems like years ago that I wrote my two part series on opening a Lending Club Roth IRA and how to invest it. It was actually only 5 months ago, but it marked my first major investment into peer to peer lending. I was convinced to make a larger investment because my experimental account of $500 was still above 10% returns after two years. That gave me the confidence to put $5,000 into my LC Roth IRA for 2013 with another $5k on the way next year(in 2014).

Quizzle @ Quizzle Blog writes Credit Life Insurance – Why Term Life Insurance Is Better – Life insurance companies offer many different types of policies and riders for consumers. Credit life insurance, for example, is used to protect and cover loan repayments in case a borrower dies before full repayment. However, a traditional term life insurance offers all the advantages and more, with none of the disadvantages of credit life insurance. Learn why term life insurance is almost always a better form of coverage.

Robert @ Kids Ain’t Cheap writes The Improving Lives of Expat Families in the UAE – Combine the sunny weather with high salaries and a vibrant community of like-minded, adventure-seeking families, and it’s easy to see what makes Dubai such an attractive proposition. If you’re not quite convinced, here’s a brief breakdown of the growing opportunities for expat families in the UAE:


ETZ25 @ Entertainment Timez writes Thoughts on a Dividend Stream For Entertainment – I hash out my plan of attack for the future dividend stream for entertainment.

IMB @ Investing Money writes Investing in ETFs for High Dividend Yields – ETFs are similar to mutual funds but offer several advantages. Read here for more information on investing in ETFs and its rising relevance.

Robert @ The College Investor writes How Your Personality Type Dictates Your Investing Style – What if I told you a crucial key to your investing success is something you never expected? It’s your personality type. Now, bear with me: I’m NOT talking about astrology, newspaper horoscopes, or those scammy online tests. Those are for entertainment, not insight. I’m talking about the Myers-Briggs Type Indicator, a tested psychological instrument used by Fortune 500 companies to identify the strengths and weaknesses of their employees.

John @ Frugal Rules writes Putting Time On Your Side: How to Start Investing in Your 20s – A common excuse given by those in their 20s as to why they can’t invest is because they can’t afford to. However, there are ways to get started investing when you’re young and doing so will do wonders for your wealth building and giving yourself more time to grow your retirement portfolio.

Jacob @ Cash Cow Couple writes American Express High Yield Savings Account Review – If you’re tired of earning zero interest from your checking account, check out this American Express High Yield Savings Account Review for a better option.

Martin @ Investing into Stocks – Hello Suckers! writes Options ladder. What ladder? – My plan on creating a ladder of options and have at least one option expiring each month to create a monthly income

Dividend Growth Investor @ Dividend Growth Investor writes My Retirement Strategy for Tax-Free Income – I am maxing out my 401K, and maximizing tax efficiency of my investments. The goal is to get a tax deduction today, then rollover the money in a Roth IRA when I retire, while paying a lower amount of taxes in the process.

Adam @ Money Bulldog writes 4 of the Worst Investments You Could Make – Investments are indeed a big deal to most people, choosing the right ones early on can make a huge difference in your life.


Corey @ Steadfast Finances writes Quick and Easy House Sales which are Also Cost Effective – In my experience the selling of a property is never a straightforward one, and as time drags on with no completion it starts to cause stress. This is not how it should be, as selling a property should be an exciting time in your life as it means that you are moving to somewhere new.

CAPI @ Creating a Passive Income writes Getting The Job: How to Boost Your Resume – Your resume is the key to unlock the door to opportunity. In order to unlock the door you need the right key.

Roger @ The Amateur Financier writes Breaking Into Business When You’re Broke – A guide for helping you get into businesswhen you have no money available to fund your business, including do-it-yourself, work from home, and crowdfunding.

Hank @ Money Q&A writes Things To Remember When Setting Up Your Business – There are a few important things to remember when setting up your business. Some of the main ones are listed here to help you get started in setting up your business.

Ted Jenkin @ Your Smart Money Moves writes 5 Ways to Save Money on Braces – As someone who regularly gets to work with families to plan their finances and prepare for expenses like a child’s college education, I increasingly find m

Crystal @ Married (with Debt) writes My Parents versus Me – I have come to realize, as I was wrapping up my mother’s estate, that my parents probably were not the best money managers.

Dollar @ Easy Extra Dollar writes Free Ways To Make Money Online – Most of the new comers who want to start online work didn’t know much about job and most of them also have no resources to spend and start their work. So people want to start their work for free and earn sufficient money. So some of the ways to start and earn income without spending money initially are as fallows.

Pauline @ Make Money Your Way writes Make money renting your car or vehicle – This post will show you on how to make money by renting your car or vehicle.

Adam @ Money Rebound writes The Things Lying Around Your House That Are Worth Money – Making easy money by selling the cluttter in your house right now.

Dollar @ Easy Extra Dollar writes Affiliate Marketing – Earning Money Through Work From Home – Working from home or home-based work is one of the most popular ways in making money since loads of opportunities are also offer to those who are willing to spend their time in performing the tasks required by the clients.

Pauline @ Modest Money writes Crush Your Debt by Earning More – There is just so much flab that we can cut from our budgets. Earning more on the other hand is almost limitless quickening our debt crushing process.


Cat Alford @ Budget Blonde writes How to Handle Winning the Lottery or Any Financial Windfall – There are right ways and wrong ways to handle winning the lottery or getting a huge inheritance check. See the steps you should take if you’re the lucky one!

SFB @ Simple Finance Blog writes How To Survive Office Politics – Everyone in an office environment is most likely to experience office politics in some form or the other.

Suba @ Broke Professionals writes Medicare – Turning 65 – Medicare – Turning 65 is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed.

Tushar Mathur @ Everything Finance writes 5 Secrets of Successful Savers – Are you a saver or a spender? You might think the preference to be a saver or spender is hard wired from the time you’re born, but there are actually seve

Luke @ Learn Bonds writes Person-to-Person Loans – An overview of person-to-person loans which are also known as peer to peer or consumer loans. How they work for both the borrower and lender.

Rich @ Growing Money Smart writes The Power Of Realizing When You are Wrong, and Recovering – If you can master realizing when you are wrong, I think you can grow from it. Even the most intelligent of us make mistakes, but believing you are always right hurts your prospects in life.

Mrs. Accountability @ Out of Debt Again writes Trimming Daily or Impulse Habits – Do you kick off the day with a $2 cup of Joe? Or buy a $5 pack of cigarettes every day? Do you grab a pack of gum at the grocery store…

Minimalist @ Minimalist Finance writes How Sleeping Well Can Help Your Finances – Sleep is a very important aspect of our lives. Whether or not we have a good night’s sleep can determine our performance at work, our cognitive ability, and even the choices we make about food. Without a good night’s sleep, it’s difficult to focus and to stay motivated.

Maria @ The Money Principle writes Salary Guides: a useful tool for employees and employers – Salary guides are useful tools for both emploees and employers; for now these are produced for ‘the professions’.

Mr. Frenzy @ Frenzied Finances writes Freebies: 10 Ways to Get Free Stuff Online – Nothing’s better than free! Especially from the convenience of our computers. Read here for tips on where to find online freebies and get some free stuff!

Brent @ PersonalFinance-Tips writes Worried about your Credit Score? 4 Ways to Make it Better – When looking to increase your credit score, there are a few easy steps to take. Once you educate yourself about what makes a good credit score (or why you have a bad one), it will be easier to get on your way to working towards a respectable score. When following these four tips, one can see their credit score rise drastically.

Don @ MoneySmartGuides writes Essential Steps for Protecting Yourself in a Bankruptcy Proceeding – In this article are the steps to take to protect yourself in a bankruptcy proceeding.

Bargain Babe @ writes Should I Reveal My Net Worth? – Should I Reveal My Net Worth? offers tips on saving money every day.

Ryan @ Cash Money Life writes How to Know if a Bank is Safe – Bank safety is essential. You should only trust you money with a bank or credit union that is insured by the FDIC or NCUA. Learn how to verify deposits.

Eva Baker @ TeensGotCents writes A New Spin On Gift Registries – Shopping With Sarah – Sarah has an inspired idea to share with all the girls (and the guys extra secure in their manliness). See how gift registries can prepare you for life!

Mike @ Personal Finance Journey writes One Man’s Trash is Another Man’s Treasure – Did you know how easy it is to make extra cash by selling items you no longer use? Simple ways to make this happen.

Kyle @ The Penny Hoarder writes Can You Make Money Investing in Life Insurance? – I’ve recently heard quite a bit of chatter from “experts” that whole life insurance should be used as an investment vehicle. We sent our Penny Hoarder team out to investigate….

PPlan @ Provident Plan writes Steps to Get Out of Debt – Getting out of debt is only a matter of a few steps, but that doesn’t make it easy.

Debt Guru @ Debt Free Blog writes The Rough Patch: Loan Alternatives in Tricky Times – Times are tough now – it’s a good idea to look into loan alternatives, so what are your options? Read here for tips on how to find loan alternatives.

Michelle @ The Shop My Closet Project writes Personal Finance Blogger Hell-Never achieving my financial goals – There is a blog that I read from time to time and have read for the past year or so. Each time I check out a post, I’m hoping and praying that things have begun to turn around for this blogger. They never seem to. About six months ago I began to notice something-they were still at the point where they had started when they had begun writing the blog a number of years ago.

Jacob @ AllPersonalFinance writes Building a brand for a small business – taking the right steps – The brand is a concept which defines all the thoughts, images, impressions and, generally, everything people see and hear about your certain product or your company, as a whole.

Lindy @ Minting Nickels writes Online Casino Taboos You Should Break – When in a difficult financial situation, there are some activities that are considered inappropriate – almost a ‘taboo’ – in the eyes of society.

Jester @ The Ultimate Juggle writes Home Financial Education Tips For Raising Kids – This is a list of 4 ways that I’m teaching my kids how to handle and manage money. So far, it has been very successful.

Lauren @ L Bee and the Money Tree writes Anniversaries on a Budget – A few ideas on how to have an awesome yet moderately priced anniversary celebration.

Wayne @ Young Family Finance writes Young Gourd Finance: How to Diversify your Halloween Pumpkin Purchase – More of what your family sees in parking lots and markets is in the orange and green range. Of course, I’m talking about the pumpkin!

Mr.CBB @ Canadian Budget Binder writes Do I Need A Tenants Insurance Policy When I Rent – Talk to your landlord to see if they require tenants insurance before you try to rent. Many places require this insurance if you rent which is relatively low in cost but make sure you read the fine print in full.

Anton Ivanov @ Dreams Cash True writes The Best Savings Accounts for 2013 – The best high yield savings and money market accounts for 2013. Complete with a list of things to look for when shopping for the best savings accounts.

Christopher @ This That and The MBA writes How to Secure a Great Home Loan in These Tough Financial Times – Most people dream of owning their own homes, however not everyone has the funds and means to be able to do so, particularly in these tough financial times when home loans are more difficult to obtain, or housing prices, way out of our reach. For the majority of us, securing a home loan is the only way to reach our dreams of owning a home.

Chuck @ The Tortoise Banker writes Protect Your ASSets and Income – Get Rich Once. Follow these important steps to assure you are prepared should the worst happen and can thrive under any circumstances

Justin @ Root of Good writes $150,000 Income, $150 Income Tax – Justin at Root of Good reveals how his household made $150,000 and paid only $150 in income taxes through a combination of contributions to workplace savings plans and IRA’s. Tax efficient investing and tax loss harvesting also played a key role in keeping his income taxes at 0.1%.

Jon Haver @ Pay My Student Loans writes 3 Things Every Student Graduating With Student Loans Should Do – So, you’ve graduated. You’ve gotten a job, a new life, and you’re on your way. You’re paying rent, maintaining a car, buying food, clothes, and otherwise keeping yourself alive.

Robert @ The College Investor writes Top Five College Myths – Dispelled! – The main problem is that many of us still abide by myths that may have once been truths, but really no longer apply to the college graduate of today. What follows are just a few common myths about college, dispelled.

Christopher @ This That and The MBA writes 5 Things you Need to Know about Financial Spread Betting – Financial spreading is an area of interest to a lot of people, who are keen to increase their income by speculating on financial markets. However, many people lack the confidence that comes with understanding, to immerse themselves into this type of trading.


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. Hopefully I’ll get the weekly carnivals setup ASAP so we can start spreading out this great content and sharing it weekly instead of every other week!

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.

{ 7 comments… read them below or add one }

Anton Ivanov November 3, 2013 at 1:45 pm

Thanks for hosting and including my post!


canadianbudgetbinder November 3, 2013 at 5:52 pm

Thanks for including me in your carnival again this week.. you’re awesome!! Cheers mate. Mr.CBB


Brian @ Luke1428 November 3, 2013 at 8:46 pm

Thanks for hosting this carnival and including my post. Appreciate it!


Martin November 4, 2013 at 12:14 am

Wow, man this is growing big! Soon you will have no time for blogging but managing the carnivals only.

I admire your effort on this as I am still looking for a way of creating my link love and save time and stay organized.

Well, great job and thanks for including me in the great list!


Simon @ Modest Money November 4, 2013 at 3:33 am

Appreciate you hosting and including our post.


Buck Inspire November 14, 2013 at 12:47 am

Is it just me or are these carnivals getting longer and longer? Thanks for hosting and including me!


Mrs. Accountability @ Out of Debt Again November 22, 2013 at 6:48 pm

Thank you for including my post on Trimming Daily or Impulse Habits!


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