Welcome to the 19th edition of the Aspiring Blogger – Personal Finance Carnival. Another carnival – another GREAT turnout! Thanks as always to the incredible authors/bloggers/superheros who take the time to not only write these awesome articles, but also to submit them to my carnival so that you are able to read them here! I’m still hoping to move to a weekly carnival – but until then, enjoy the variety and sheer number of articles in this carnival!
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!
Mr.CBB @ Canadian Budget Binder writes Tic Toc That’s The Sound Of Your Debt Clock – Debt isn’t all bad but recognizing that any money owed is debt and it’s a debt that needs to be paid back.
Crystal @ Budgeting in the Fun Stuff writes Marketing that Works! These Comercials Are Hilarious!!! – Mr. BFS and I have cable and we love our DVR. That means that I generally do not watch commercials.
BUDGETING AND FRUGALITY
Daisy @ Suburban Finance writes A Cup of Coffee: Daily Necessity or Daily Indulgence? – Starbucks coffee is very expensive, and is an indulgence.
SavingMentor @ How To Save Money writes 6 Tips For Keeping Better Tabs On Your Money – Keeping track of your money can be a chore that you don’t often want to think about. I know I dread the endless letters in my mailbox, the stack of unfiled papers on my desk, the bills that need paying, the bank accounts that should be checked, and the budgeting and investment spreadsheets I should be updating.
Pauline @ Make Money Your Way writes From having £12 and a suit to buying a property in 6 months! – Ben Edgson, the owner of workfromhomeblog.net shared his experience from having £12 and a suit to buying a property in 6 months!
Kylie Ofiu @ Aspiring Millionaire writes Should you move for cheaper rent or is it better to stay – I am in the position where rents have dropped where I live, but we have moved 3 times in 12 months. Is it worth moving again for reduced rent? I have 4 scenarios to choose from here. What would you do?
Vanessa @ Vanessa’s Money writes Tassimo/Keurig Machines are an Incredible Rip-off – It boggles my mind that people still have Tassimo/Keurig machines. I’ve done the math to show just how much more you’re paying for the (perceived) convenience of a one-cup serving coffee machine
Vanessa @ Cash Cow Couple writes 25 Ways To Save Money on Groceries – Read this post if you want to dominate your monthly grocery bill.
Jefferson @ See Debt Run writes Project: Free Play Set – We have been wanting to get a playset for our kids, but they are cost prohibitive. A neighbor on the move shows up with a new playset that might be exactly what we need.
Andrew Pohl @ Finance with Reason writes Spend Less Using Your Imagination – Imagining alternative options for the money you are about to spend when you want to buy something can help you put things in perspective and spend less.
Mel @ brokeGIRLrich writes Five Dolla’ Make You Holla’ Holiday Series – Some money saving tips for the holidays.
Harry Campbell @ Your PF Pro writes Why I Sort Of Hired a Wedding Planner – Even though I’m only working four hours a day, I’ve still been spending a lot of my free time planning for our wedding next summer. Since my fiancee is busy with school, I’ve become the ‘unofficial’ wedding planner and let me tell you, it’s a lot of work. We ended up picking a venue that requires you to bring in all your own vendors so there’s even more to do than normal. It’s our responsibility to coordinate everything from tables and chairs to a full kitchen and flooring for
Adam @ Money Rebound writes Having a Low Cost Kid’s Party – Money is not everything especially when it comes to arranging fun parties for your kids.
Christopher @ This That and The MBA writes 7 Ways To Help Establish Financial Stability After College – Your financial situation may change significantly when you graduate college and enter the workforce. Make sure your spending is in line with what you are actually making after taxes by sitting down and making a budget. Budgeting doesn’t have to be hard; simply list all of your expenses, including savings and fun money, and make sure that amount is less than what you make with a little wiggle room added in.
Michelle @ Fit is the New Poor writes Accepting the Temporary – How to accept that even the worst financial times will get better.
Robert @ The College Investor writes Strategies for Investing Against the Market – So many people put their money into the market and then forget about it for years, just assuming that because they invest in the market, they will yield large gains over time. And while this buy and hold strategy works very well, there are times when you may want to invest against the market.
Brian Fourman @ Luke1428 writes ATTN Men: A Woman Values Security. Get It For Her! – Financial security is something highly valued by women. When I realized this about my wife, it changed my view of money management.
Lee Veldkamp @ The Value Geek writes Mint & My Budget – How Mint Has Helped Me Organize My Budget
Mr.CBB @ Canadian Budget Binder writes Bust our budget October 2013-Romance and Money – You don’t have live the life of a couple who sits at home doing nothing week after week. Fidn out how easy it is to budget in some romance and enjoy your life.
Daisy @ When Life Gives You Lemons, Add Vodka writes What Could HR Teach You About Money Management? – A good HR department in a company is worth every penny in salary because they make the overall work environment more comfortable, more efficient, and create a higher work quality. Good HR is so good, that there are a few lessons for your budget.
Daisy @ Suburban Finance writes Is Your Car an Asset or a Liability? – Banks will consider your car an asset when they are assessing whether or not to grant you a loan, but is your car really an asset? Just because you can sell something does not mean it’s an asset.
Nicole @ How to Avoid a Cashtastrophe writes Reasons to Avoid Debt – Debt may seem like the norm in Western culture, but that doesn’t mean that it should be acceptable. Debt can poison your entire life. There are so many reasons to avoid debt, and Nicole lists some of them!
Andrea @ So Over This writes The Cost of Carrying a Baby: 8 Unexpected Expenses of Motherhood – On average, raising a child from birth to age 18 costs about $200,000. If you add college tuition to that number, you can end up paying up more than quarter million dollars to raise a college graduate.
Amy @ Money Mishaps writes How to Liberate Yourself from Student Loan Debt – The student loan crisis in America is absolutely massive and does not look like it is going to get better anytime soon.
Matt @ Budget Snob writes The High Cost of Using Cash – It has been calculated that the aggregate expense to all households in the United States for accessing and using their cash is $31 billion a year.
Jay @ Daily Fuel Economy Tip writes Picking the Right Auto Policy – Having the right kind of auto insurance is akin to having the right kind of health insurance, in most cases they can be equally as important.
May @ Messy Money writes I’ll Show you Mine! My Electric bill that is… – The good news is that our hydro electricity use is down 19% year over year. The bad news is that 75% of the homes in our neighbourhood use less than we do.
FI Pilgrim @ FI Journey writes Flipping The Script: How I Learned To Live On Last Month’s Income – Nobody wants to live paycheck to paycheck, but for a long time I did just that. Here is how I flipped the script and began living on last month’s income.
Brock Kernin @ Clever Dude writes Warranties, Good to the Last Day – How close to the end of a warranty period have you had to cash in? Can you beat 3 days?
Robert @ Cult Of Money writes The Little That Stands in the Way of Selling a Structured Settlement Annuity – Selling a structured settlement, a state lottery or some other annuity is the answer for a payee who cannot wait for the arranged periodic payments, whether they are monthly or annual payouts. Sometimes, the payouts may not begin for a period of months, or the payouts may not provide a sufficient amount to meet current monthly obligations.
Bobby @ Making Money Fast and Slow writes The True Cost of Commuting and Some Alternatives – You spend $125,000 over 10 years and 1.6 working years sitting in your car. So what can you do to stop this waste of time and money? Plenty.
Pauline @ Reach Financial Independence writes Managing a rental property from the distance – Do you own a rental property? Here are a few tips to keep your cool while managing your rental.
Robert @ Cult Of Money writes How I Raise Two Happy, Healthy Kids on a $20,000 a Year Salary – Unless a child has a serious medical condition, kids are only as expensive as you want them to be. They are also as inexpensive as you want them to be.
Robert @ Kids Ain’t Cheap writes Raising Polite, Responsible Kids – I don’t know what or when it happened but sometime during my generation (30ish years) parents totally lost control. Please note that I am by no means trying to seem like I’m some sort of perfect parent, but one thing I will do is enforce and demand a few things of my child such as structure, rules and politeness
Ryan @ Cash Money Life writes Should You Invest Your IRA in a Savings Account or CD? For Most People the Answer is No. – Should you trust your retirement savings to the volatile stock markets, or should you keep your IRA in a savings account? The answer may surprise you!
Tushar @ Earn More and Save writes How to Make $100,000 or More Per Year – What would you do if you earned $100,000 or more per year? Well, you could fund an early retirement, take time off work to travel, remodel your home, or save money and start your own business.
Debt Guru @ Debt Free Blog writes Fallen Behind: Catching Up On Retirement Savings – Proper financial planning takes serious dedication. If you have fallen behind, here are three helpful tips for catching up on your retirement savings.
Jon @ Novel Investor writes 401k Plan: The Definitive Guide – Everything you need to know about a 401k plan, the rules and limits, so you can take full advantage of this employer provided retirement tool.
Justin @ Root of Good @ Root of Good writes Developing a Retirement Budget – Justin at Root of Good reveals his $32,000 per year retirement budget for a family of five. He explains the process of developing a budget for retirement that is based on your actual spending and what you actually plan to do in retirement (instead of a crazy “80% of pre-retirement income” rule).
Pauline @ Reach Financial Independence writes Til “Debt” Do Us Part: Are You Financially Ready to Get Married? – David Moran of Finance for Your Future helps you to determine if you are financially ready to get married.
Harry Campbell @ Your PF Pro writes A Tribute to the Greatest Chipotle Article of All Time – When I first started this site almost two years ago it was with the intention to discuss topics like saving for retirement and investment strategies. But I quickly realized that those articles were pretty boring to read and to write. That’s why you see articles today ranging from travel hacking to saving money at Chipotle. The latter has actually become one of the most popular articles on my site and today it has over 5,000 total views.
Harry Campbell @ The Four Hour Work Day writes Why I Picked my Day Job Over the Four Hour Work Day – I started this site because I know that one day I want to work for myself and I think four hours a day is the ideal work day for maximum efficiency and happiness. I will never understand people that kill themselves at their day job: working long hours, weekends and overtime solely for the money. And that is why they’re doing it, what other reason could there be? I would rather work less, spend less and live more as this site’s tagline would suggest. The world that we live in has so much to o
Anton Ivanov @ Dreams Cash True writes The 7 Steps to Financial Freedom – Reaching financial freedom is one of the most sought-after goals. Get started on your wealth-building journey with my 7 steps to financial freedom.
John @ Frugal Rules writes What is the Key to Success When Paying Off Debt? – Many in our society struggle with paying off debt. There are various methods given to pay off debt, but they’ll all fail if you’re attitude isn’t in the right place desiring to kill the debt.
Vanessa @ Vanessa’s Money writes The Great TFSA/IRA vs RRSP/401(k) Debate – I answer, once and for all, the great debate over which retirement vehicle is right for you!
Jacob @ Cash Cow Couple writes Optionshouse Review – Optionshouse has some dynamite pricing as an online brokerage, but the service is far from perfect. Come check out all the details in my review.
Matt Becker @ Mom and Dad Money writes How to Start Investing From Scratch – Part 1 – This is the advice I would give myself if I were starting from scratch, with little money or understanding of investing. If you put your mind to it, you can probably accomplish all of this within the span of a few weeks. Remember that your initial investment returns are relatively unimportant to the long-term outcome, so the most important thing is to get enough of an understanding that you feel comfortable and then to just get started.
John @ Frugal Rules writes Jumping Off a Cliff: Investing in the Twitter IPO – The Twitter IPO is all the talk in the stock market lately. Many people want the opportunity to invest in it. However, when you’re trying to build wealth and grow a retirement portfolio, listening to the herd is not always the best course of action as it could have negative impacts on your growing of wealth.
Dividend Growth Investor @ Dividend Growth Investor writes Dividend Growth Investing Works for Everyone Willing to Put the Time Into It – I believe that dividend investing is a perfectly democratic way to earn passive income. In order to be successful, it does not matter what your age, gender, or nationality truly is. You do not have to play office politics, or focus on things that do not interest you. You do need to put in some work into it however, in order to learn how to screen for stocks, analyze companies, and build diversified portfolios over time.
writing2reality @ Write Your Own Reality writes Investing with Prosper – After four years of investing in peer-to-peer lending with Lending Club, I have diversified and added Prosper to the portfolio.
Hadley @ Epic Finances writes Build or Buy? – Taking the big step to buy a home can be difficult. Buyers are often faced with the decision of whether they want to buy an existing home or build a new one. Here are some things to consider before making that big decision.
Adam @ Money Bulldog writes Should I Get a Mortgage? – How mortgages can be a problem that you can benefit from in the long run.
Joshua @ Modest Money writes http://www.modestmoney.com/is-peer-to-peer-lending-worth-my-investment/ – Although, most peer to peer lending websites boast big returns, many investors are scared of the concept of loaning money to consumers who could possibly take the money and run with little recourse. So, is this a good idea?
Michelle @ Diversified Finances writes How To Become A Full-Time Freelancer Part 1 – I have only been freelancing full-time for a couple of weeks, but I have been building it up for a couple of years and have been working on it for over 40 hours a week for quite some time. I feel very prepared for my freelancing future.
Don @ Money Reasons writes Slow Sale Zone Concerns – This is about the concerns associated with a slow sales zone. You should take this points into consideration when looking into such a consideration.
Hank @ Money Q&A writes How To Get The Most Out Of This Holiday Shopping Season And Black Friday – It is going to be a tough holiday shopping season for businesses, but that is going to be good for shoppers and consumers. I talk to Jon Lal, founder of BeFrugal.com, on the podcast about the upcoming holiday shopping season.
Jester @ The Ultimate Juggle writes Easiest Way to Make a Profit in Real Estate – Investing in real estate can be a great way to set yourself up for the future. If you invest in the right property at the right price, you can create a positive cash flow from the beginning.
Lauren @ L Bee and the Money Tree writes How I Plan to Recoup Renovation Costs – Oh my glob. Any time someone asks me how my renovation is going I just shrug and say, “It has pretty much broken my spirit and soul as a person.” “But you love your house!” A co-worker replied. “Nope.” I said and finished eating my soup.
SFB @ Simple Finance Blog writes How to Save Money When Buying Your First Home – Buying a home is an American dream for most of us, but it is a bitter fact that home buying is an expensive process.
CAPI @ Creating a Passive Income writes Right Out of High School: Five Jobs That Don’t Require a Degree – Job markets are always changing. Here are five jobs that do not require the individual to have more than a high school diploma or a G.E.D.
Adam @ Money Bulldog writes 5 Business ideas for kids – Who says you’d have to be accomplished to get started on a business?
Ben @ The Wealth Gospel writes If You Can’t Ditch Your Job, at Least Get Paid More to Do It – Being an employee sucks sometimes. But if you can’t ditch your job, you can at least try to get paid more for doing it.
Dollar @ Easy Extra Dollar writes Make extra money through working from home – With the increasing and also improving the use and also accessibility to the internet things have presently changed. Anyone can perform at home business and make money easy without your manager and supervisor that always supervise your performance.
Pauline @ Make Money Your Way writes Side hustle series: Guitar Teaching – Lyle of The Joy of Simple shares on how he made money in guitar teaching.
Sarah @ Bloggerpreneuership writes Why The Number of Comments On Your Blog is Important – The number of comments on your blog is important, if you are a professional blogger. Sarah tells you why.
Sam @ The New Business Blog writes 5 Mistakes that Successful Entrepreneurs Wish they Would have Avoided – Many successful small business owners and entrepreneurs made mistakes when they started their businesses that they wish they could go back and correct.
Daniel @ Make Money Make Cents writes How to Boost Sales Using Just Slatwall in Your Shop – If you have your own shop and you are aware that you could improve your display area, slatwall could be an ideal option for you.
Adam @ Money Rebound writes The World’s Best Rags to Riches Stories – Get your daily ounce of motivation from these people who had little way back but have almost everything in the world now.
Robert @ The College Investor writes Countdown to Black Friday $1000 Giveaway – Looking for the best contests around this holiday season? Make sure to visit SweepstakesFanatics where you can find the newest sweeps, blog giveaways and even a special section for Canadian giveaways.
Dollar @ Easy Extra Dollar writes The Success of Generating Money Online – Know the tracking processes that your affiliates use to track visitors from your website to theirs and on to successful sales. Make sure that these tracking procedures are robust and cover sales that get made off-line.
Mike @ Personal Finance Journey writes Stay at home and save while making the most of your garden this winter – When you want to escape the house during winter do you consider your home garden? 10 Ways you can use the home garden and save!
Maria @ The Money Principle writes Business in the European Union – how is it doing? – How is the European Union doing in the face of all the problems in the world? Has it achieved its founding 4 principles? We present a report.
Tushar @ Start Investing Money writes Write Down What You Spend: You’ll Save More – Do you have any idea how much you spend on a regular basis? This is a tricky question to answer unless you happen to write everything down. Few of us do this and that’s a shame – if we did we’d have a much more accurate view of our spending habits. But that’s not all.
Suba @ Broke Professionals writes Should You Learn to Fix Your Own Car? – Read my view on whether you should learn to fix your own car, and if it makes sense for you.
Lindy @ Minting Nickels writes Know How To Spend And Manage A Credit Card Account Responsibly – Millions of Americans use credit cards; many people use their cards every day.
Minimalist @ Minimalist Finance writes Unusual Causes Of Damage That Warrant A Second Look At Car Insurance – One woman in BC submitted a car insurance claim due to a bear attack, and drivers should use the experience to find the right insurer for their needs.
Mr. Frenzy @ Frenzied Finances writes Single Cent Problems: The Truth About The Penny – Looking at the history of the penny is a fun way to find meaning and the sense of miracle in something as small as one single cent.
Kyle @ The Penny Hoarder writes Get the Tools to Increase Your Small Business Cash Flow – Increase your small business cash flow with business banking tools and cash management solutions. From managing your business cash flow online to automating payments, you can easily grow your cash flow and increase your bottom line.
Ted Jenkin @ Your Smart Money Moves writes Why Can’t We Do It All? – This question is often bandied about in regard to the endless quandary of many women who struggle daily…
Mrs. Accountability @ Out of Debt Again writes Who Should Pay For The Date? – To tell you the truth, I have not dated much in my life. But here are some thoughts on the topic!
Don @ MoneySmartGuides writes Ten Tips for Choosing the Best Home Loan – Buying a house is stressful enough before even taking into account the loan. here are 10 tips for choosing the best home loan.
Brent @ PersonalFinance-Tips writes Are You Covered? 5 Tips in Giving You Peace of Mind and Control over Your Future – While identity protection companies put the fear of financial ruin in people, the reality is that only 3% of the US population has any financial data stolen (guides.wsj.com) each year. If you are in the small percentage, however, it can wreak havoc in your life.
Corey @ 20s Finances writes Optimizing Credit Cards – Are you missing out on this strategy with credit cards? Try to optimize your use of credit cards to earn more money with little hassle.
IMB @ Investing Money writes Railroads Increase Revenue from the US Oil Boom – The US Oil Boom is a big topic in politics, the environment and finances these days – and railroads increase the revenue from the boom! Read here.
SBB @ Simple Budget Blog writes Cruisin: How to Budget Your Vacation on the Seas – Going on a vacation on the seas? Here’s some tips on how to budget some of the extra items available on a cruise – so you and your family can have more fun.
Bargain Babe @ BargainBabe.com writes Is Bankruptcy Better Than Debt? – Is Bankruptcy Better Than Debt? offers tips on saving money every day.
Cat Alford @ Budget Blonde writes Tips for Starting An eCommerce Store – If you are interested in starting an ecommerce store, this post contains several tips and tricks for cutting costs and making sure you turn a profit.
Luke @ Learn Bonds writes Bond Buying Criteria – Looking at corporate bonds as an investment? Here are the criteria to look at when buying corporate bonds.
Roger @ The Amateur Financier writes A Few Harsh Truths About Blogging – Some of the tricky things to learn about blogging, such as getting a server, getting assistance, and paying money to keep your website running.
Wayne @ Young Family Finance writes Small Things That Make a Big Difference in Your eCommerce Business – When you’re running an eCommerce store, one of your most important assets is your customers’ loyalty. It’s not something you can buy, but it is something you can cultivate. Surprisingly, it’s the little things that make the biggest difference. Here’s what you can start doing now to make the best impression on your customers.
JP @ My Family Finances writes Lost Health Insurance Because of Obamacare: Can I Still Sign Onto My Spouses Plan? – Spouses everywhere are taking a second look at their plans now that millions of Americans have lost their coverage due to Obamacare.
Eva Baker @ TeensGotCents writes Goodwill Training – Shopping with Sarah AND Eva – Sarah takes Eva on a night filled with fun, food, and Goodwill shopping tips. Who knew that shopping at Goodwill could be a competitive sport?
Alice Sibley @ Earning My Two Cents writes Health Over Money – Money comes after health, despite my worries
Robert @ Kids Ain’t Cheap writes Life Insurance: A Must Have for New Parents – While you may resign yourself to paying for these items, one important item you may not even consider is life insurance. If you don’t have life insurance yet, you’ll want to get a policy as soon as the baby is born. Hopefully you’ll live a nice, long life, but if you don’t, you want to leave money so that your spouse or another caregiver can afford to raise your child.
Jon Haver @ Pay My Student Loans writes 5 Steps to Private Student Loan Forgiveness – The application process for student loans varies depending on the lender and the loan type. The method may seem very overwhelming to the applicant. Outlined below are the steps that will assist in finding the money needed for you to fulfill your academic needs.
The Warrior @ Net Worth Warrior writes Ultimate Guide to (Finally) Building an Emergency Fund – An emergency fund can help keep you on a path to financial freedom by reducing stress, eliminating the worry of affording an emergency and providing security that you can maintain progress. Through this guide, you will (finally) establish a painless emergency fund.
Marissa @ Thirty Six Months writes Hello, ING Direct, errr Tangerine – ING Direct was acquired by ScotiaBank last year. As a result of the acquisition, ING Direct was required to change their name as they are not owned by the ING Group anymore.
Marissa @ Finance Triggers writes How to spot a good mortgage broker from a bad one – How can you decide if a mortgage broker is a good one or a bad one? The best way is to learn the answers to these questions.
Lily @ Paying Debt Down writes 5 Home Improvement Tips to Help you Sell your Home Quicker – Selling a home these days is all about image. The problem that most people have is that they put a lot of effort into making the interior of their home look absolutely wonderful but fail to do the same for the exterior of their home.
Lenny @ Best Money Saving Blog writes What Is the Importance of Seeking a Mortgage Broker? – Many first-time homebuyers make a mistake by trying to negotiate a mortgage directly with a lender. Unless you are an expert in home loans, it makes much more sense to hire a mortgage broker to do the negotiating for you.
Oscar @ Money is the Root writes What Home Loan Is Right For Me? – Buying a home is a huge financial step that permanently changes the household budget for a family. Understanding the different types of home loans before signing any paperwork is a must.
Nell Casey @ The Million Dollar Diva writes 5 Things You Might Be Doing to Sabotage Your Savings Goals – If you are struggling to reach your savings goals, you may be falling victim to a financial saboteur. Whether your goal is too big, undefined or your savings are not automated could be a reason for not achieving your goals.
Kali @ Common Sense Millennial writes Twenty Things Twenty-Somethings Should Know About Money – It takes work and time to figure out something as complicated as money and personal finance – and sometimes, it is overwhelming trying to understand it by yourself. I wanted to help by composing a list of the twenty things most important for twenty-somethings to know.
Christopher @ This That and The MBA writes 3 Money Mistakes I’ve Made and How to Avoid Them – If y’all remember my first post here, I confessed that while I’ve never been in debt, until recently I had absolutely no credit history. While I consider that my most major money mistake, I’ve made a few more that I’m sure others could learn from.
Grayson @ Debt Roundup writes The Gift Of Debt – Enjoying My Hobby – I used to be in debt. When you get out of it, you realize that debt actually gave you a gift. The gift is different for each person and I am no different. Debt gave me many things, but it also gave me a new perspective on my finances. Debt gave me the ability to enjoy hobbies again without worrying where the money was coming from.
Well, that’s all for the 19th 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. As always – I really appreciate you all stopping by and spending time reading/commenting/etc!
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.