Welcome to the 20th edition of the Aspiring Blogger – Personal Finance Carnival. Another carnival with AMAZING turnout! Thanks to everyone who took 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! Weekly carnivals are coming….soon – I promise, but in the meantime – you can enjoy this megacarnival with some really great content!
While you’re here, make sure to read as many of the posts as you can – I know it would be impossible 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 Christmas Shopping Online or in-store ? – Did you know there are only 40 shopping days left until Christmas? With Christmas being not too far away the rush to get one’s Christmas shopping finished begins. While some people prefer to shop only in stores there are many people who will choose to do the majority if not all of their shopping online.
Crystal @ Budgeting in the Fun Stuff writes 10 Tips to Save Money – Here’s an oldie but goodie from early 2011! Here are my top 10 tips to save money: 1. Save Automatically. Setting up automatic contributions is the best way, in my opinion, to save money…
BUDGETING AND FRUGALITY
Bargain Babe @ BargainBabe.com writes 9 More Ways to Stay Warm Without Turning the Heat On – 9 More Ways to Stay Warm Without Turning the Heat On
Dave @ Gen Y Finances writes What To Know Before You Buy a Home – I have seen many people buy a home only to have made many, many mistakes. Before you buy a home, there are many things that you should think about or look into before you make one of the largest purchases in your life.
Ben Luthi @ The Wealth Gospel writes Student Loans are Toxic – I have never heard someone look at their student loans and say it was worth it, and most students have no idea what they are getting themselves into. They give you a false sense of security and can push you into more debt later on.
Stu @ Poor Student writes How to Decorate a Dorm on a Budget – Nobody wants to live in a characterless room with four white walls while they are away from home, so you might as well try and decorate on a budget. Stu has some sweet ideas for decorating on a budget, especially in a small spac
Daniel @ Make Money Make Cents writes Investing is Key to Beating Inflation – Investing is the key to outpacing inflation and keeping your financial security on track. Consider that that $20 a 100 years ago would be equivalent to over $300 today and you can see the glaring impact of inflation.
Oscar @ Money is the Root writes How to Fight Back against Zombie Debts – If you think zombies are only found in the movies and in popular TV shows then you are dead wrong. (Pun intended.) The fact is, zombie debt is any debt that just does not seem to ever die or go away.
Jay @ Daily Fuel Economy Tip writes Obtaining an Offshore Bank Account – Have you ever thought about getting an offshore bank account? If not, allow me to give you some reasons why they are an important financial tool for your portfolio.
Danielle @ Saving Without a Budget writes Financial Tips That Sound Bad but Work Well – If you ask most certified financial planners you will find that one of the things they are constantly warning their clients against is making bad money choices based on popular financial advice, which is often wrong.
Matt @ Budget Snob writes How your Upbringing Affects your Money Habits Part 1 – Something that most people do not realize is that how they were raised as children can actually have a big impact on how they make decisions as adults, especially with money.
Jack @ Money Saving Ethics writes Top Tips for Earning Extra Cash During the Holidays – Well boys and girls the Holidays are practically upon us once again and, if money is tight, you may be looking for some ways to bring in some extra money so that you will be able to finance all of those holiday gifts, parties and so forth that you are excitedly looking forward to.
Amy @ Money Mishaps writes 6 Excellent Tips to Lower Your Car Insurance Costs – For many consumers one of the most expensive aspects of owning an automobile is the car insurance. Depending on where you live in the United States, you could be paying anywhere from $500 up to $1,500 a year just for one vehicle, and the national average is $120 a month approximately.
Lenny @ Best Money Saving Blog writes Avoid these Common Mistakes or you will Always be Broke – While being broke may just be the fault of your circumstance because you are out of work, underemployed or just went through bankruptcy, the fact is that most people are broke all the time because they make a lot of financial mistakes.
Hadley @ Epic Finances writes Increase your Retirement Savings without a 401(k) – One of the unfortunate facts of working today is that over 70% of smaller businesses do not provide their employees with any type of retirement savings plans at all.
Andrea @ So Over This writes Tips for Moms who want to Tackle their Financial Insecurity – A recent report shows that moms who are financially insecure report feeling a lot more tension, stress and anxiety than moms who consider themselves to be financially astute.
Lily @ Paying Debt Down writes Why You Should Enter the Market Sooner – The global real estate market is still recovering from the housing bubble, but now is the perfect time to purchase a new home.
Bob @ Dwindling Debt writes Every Day Tips for Saving Money – Have you ever heard the old adage penny wise and dollar foolish? If you have then you know what we mean when we say that many people who seem to take great care of their big bills have a hard time with their budget because their little bills end up wasting a whole lot of their money.
Katie @ IRA Basics writes The Secret of Saving for Your First Deposit – Are you ready to become a homeowner and do not fancy a no-deposit home loan? Then the biggest obstacle standing in your way is the first deposit or down payment.
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.
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.
Marissa @ Thirty Six Months writes The Things They Don’t Tell You About Money – I had a few people email me asking the transition period after University. It helps that my brother just finished his Undergrad, and looking to settle in the phase of his life where he cannot describe himself as a student anymore.
Buck @ Buck Inspire writes Tis The Enrollment Season To Be Jolly – It is time to enroll for your employee benefits! Some basics are pretty straightforward and really depends on personal preference like HMO versus PPO.
Monica @ Monica On Money writes 8 Warning SIgns That You’re Living Beyond Your Means – It might be hard to believe, but it is entirely possible to graduate from college debt-free. Think about how amazing it would be to start your new career without worrying about paying off student loans.
Larry @ KrantCents writes How to Take Control of your Life – Access to an education is the American way! A university education is expensive, but thanks to the internet, individual courses are free! Improving your skills should be a goal of everyone!
Natalie @ Debt and the Girl writes We Have To Escape… – I am going to let you in on a little secret. I have always wanted to escape. I just do not want to go into a private island somewhere in Fiji (though that would be nice). I have always wanted to get in my car and go.
Alexa @ Defeat Our Debt writes How to Debt Proof Your Christmas Shopping – If you are looking to have a debt free Christmas there are several things you can do. Follow these tips to debt proof your Christmas.
Jason @ The Money Makers writes Apple Launches iPad Air in November – With a lighter and thinner chasis, the newly announced iPad Air has a more powerful processor with a great new design and performance features that is sure to continue Apple’s trend setting reputation.
Sustainable PF @ Sustainable Personal Finance writes Could You REALLY Retire? – One of the most important questions that many ask themselves right now is this: Will I have enough to retire?
Kali @ Common Sense Millennial writes Why Hipsters Should Be Our New Financial Role Models – One of my favorite quotes about investing and money comes from one of the most instantly recognizable faces on Wall Street, the Oracle of Omaha himself, Mr. Warren Buffett: “Be fearful when others are greedy and greedy when others are fearful.”
Bobby @ Making Money Fast and Slow writes Janet Yellen Is Blind to Bubbles – Peter Schiff of Euro Pacific Capital spoke out today against Janet Yellen being confirmed as the next Fed Chairwoman claiming that she was completely clueless during the 2008 financial crisis.
Holly @ Club Thrifty writes Thoughts on Small House Living – We recently sold our home and moved into a temporary rental that is half the size. Read this post for my thoughts on small house living.
Christopher @ This That and The MBA writes Using Online Tools to Manage a Household Budget – With the array of online financial tracking tools, consumers are now able to stay on top of their budgeting and personal finance more easily. This gives you greater purchasing power in the future and can protect you from unexpected setbacks.
Harry Campbell @ The Four Hour Work Day writes Working From Home Can Get Lonely – “I learned a lot during my three months working at home. And although I talk about the benefits a lot, there are definitely some drawbacks to the four hour work day that you should be aware of. There’s obviously more risk to starting your own business and that can put a lot of pressure on you. If you have a bad month or sales are down, your income will suffer and you might not have enough money to eat. It’s also hard to get self-motivated sometimes since there’s no one forcing you to b
Pauline @ Reach Financial Independence writes Budget Your Way To An Even Longer Vacation! – Here are the top tips for saving money to make that holiday vacation last longer!
Mr.CBB @ Canadian Budget Binder writes How to keep the romance alive on a budget – It’s important to keep the romance alive in a relationship but there are ways to do it and still stick to your budget if you just plan in advance
Ben Luthi @ The Wealth Gospel writes What I Learned About Financial Independence as a Mormon Missionary – My experience as a missionary in Germany was unforgettable. Beyond meeting all the crazies and getting to serve others, I learned a lot about financial independence
Brock Kernin @ Clever Dude writes Budgeting for the Holidays Late, Again – Every year I plan to save up for the holidays early, but as usual, I’m Budgeting for the Holidays Late.
Sarah @ BloggerPreneurship writes How to Get More Comments on Your Blog Posts – There’s no doubt that the number of comments that one gets on their blog posts is important, and Sarah at Bloggerpreneurship writes about how to get more.
Daisy @ Suburban Finance writes How to Get Your Music Fix on the Cheap – Streaming music can go anywhere you go– at work, in your car, on your phone, you name it. You can also have access to a virtually unlimited number of artists, songs, and musical styles — all for about the cost of one CD per month. Sarah at Suburban Finance writes about a few cheap music options.
Andy Prescott @ Art of Being Cheap writes Review of the Moto X and Republic Wireless smartphone plan – A review of the Moto X from Republic Wireless. This phone comes with the cheapest plan in the phone industry, but how does it work? I tested it out and the results are amazing.
Christopher @ This That and The MBA writes Money Saving Tips For College Students – The good news is that you don’t have to resort to bullying and stealing just to save money. It may be difficult but it is not impossible. For one thing, students just need to know their priorities. They should always keep in mind that they are saving money for something important.
Jon Haver @ Pay My Student Loans writes Seven Ways to Get Student Loan Help – You should be able to get this information from the National Student Loan Data System. Be prepared. You can get help, but it comes faster if you know your facts and can breeze through the application.
Pauline @ Reach Financial Independence writes Is it Justifiable to Spend a lot on the Holidays? – Is it Justifiable to Spend a lot on the Holidays?
Adam @ Money Bulldog writes Let Your Inner Child Save You Money – What can your younger you do to help you save some money right now?
Adam @ Money Rebound writes Does Having More Stuff Make You More Afraid of Losing It? – Having too much can make you appreciate wealth less. Learn to enjoy what you have while you still can.
Robert @ Beat The 9 to 5 writes How My Wife and Baby Have Made Me A Better Entrepreneur – Let me share how my wife and baby have helped me become a better entrepreneur, and hopefully you can see some parallels to you own life and journey.
PPlan @ Provident Plan writes Is Income Protection Necessary? – My wife and I have finally gotten to a point where we are earning a decent amount more than our expenses.
Jon @ Novel Investor writes 2014 IRA Contribution Limits Stay The Same – Do you know the IRA contribution limits can change each year? Find out the 2014 traditional and Roth IRA limits, complete with income phase-out tables.
Pauline @ Make Money Your Way writes October blog income and stats recap – I’m sharing my October blog income and stats recap of Make Money Your Way and Reach Financial Independence.
Pauline @ Reach Financial Independence writes Money Choices: How Millennials Can Make The Right Financial Decisions – Here are some of the financial decisions Millennials can make and their implications on their personal life.
Harry Campbell @ The Four Hour Work Day writes There’s no Loyalty in the Corporate World – I will never understand why people go into work and kill themselves working long hours and sacrificing their social life just to make someone else richer. If you’re getting paid by the hour, then you’ll see a direct correlation between how many hours you work and how much money you make. Unfortunately though, most high paying jobs aren’t hourly these days so you’re stuck working for a fixed salary.
Mel @ brokeGIRLrich writes Mel’s Money Manifesto – A breakdown of my goals to be financially free.
Dividend Growth Investor @ Dividend Growth Investor writes How to buy dividend stocks with as little as $10 – I recently stumbled upon Loyal3, which lets you purchase shares of some of the best stocks in the world for no cost. In fact, you can purchase shares in some of your favorite dividend stocks with as little as $10 with no commissions whatsoever. Even better, you can use your credit card to purchase shares directly from the companies you are investing in with no cost and earn credit card rewards in the process.
Matt Becker @ Mom and Dad Money writes How to Start Investing From Scratch – Part 2 – Welcome to Part 2 of my mini-series on how to start investing when you have little money or understanding of investing. This article will give you some simple steps you can take right now to get started on the right path.
Chad @ The Stock Market and I writes Twitter-pated – With Twitter going public within the last two weeks, a look at the how large social media IPOs have done and the draw they have for the trading public.
Justin @ Root of Good writes Snapshot of Root of Good’s Diversification and Asset Allocation – Justin explains the asset allocation in his seven figure investment portfolio. Here’s a preview: global diversification spanning the US, Europe, Asia, and Emerging Markets along with a tilt to value and small cap stocks. There’s also a slice of alternative investments (real estate) to round out the portfolio.
John @ Frugal Rules writes Tradeking Review: An Online Brokerage Worth Considering – 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.
Pauline @ Make Money Your Way writes How does Currency Trading Work – Troy continues the investing for beginners series and now he talks about how does currency trading work.
Kay @ Green Money Stream writes A New ETF For Dividend Investors – I recently came across a new ETF that seeks to track the S&P500 Dividend Aristocrats Index. It may be an easy way to gain exposure to stocks of companies that have been increasing dividend payouts for 25 years or more. Could this ETF be right for you?
SFB @ Simple Finance Blog writes How to Set Yourself Up To Be a Financial Success When Starting the First Job—— – Whenever anyone starts out at their first job, it is a process of learning few significant lessons in order to succeed in the real world.
Crystal @ Married (with Debt) writes I Bought a New TV – I just bought myself a new TV. There wasn’t anything wrong with my old TV. I just wanted a new one. Before you start typing, let me explain.
Eva Baker @ TeensGotCents writes Paparazzi Business Update – I started a new business in September and spent my entire emergency fund in the process. This is my first paparazzi business update!
Roger the Amateur Financier @ The Amateur Financier writes Save Money While Job Hunting: A Few Simple Tips – A contribution discussing some ways to keep your cost of going to interviews and job hunting to a minimum while you are getting a number…
Maria @ The Money Principle writes Frugality or folly: stop wasting food! – We all waste too much food and it is time to stop. As a bonus you’ll learn how to make spaghetti carbonara and meringue.
Cat Alford @ Budget Blonde writes Wow, It’s Really Hard To Save Money Here! – Now that I’ve been back in the U.S. I’ve been spending money left and right. It’s really hard to save money here! There are so many unexpected expenses!
Mike @ Personal Finance Journey writes 5 Costly Mistakes Contractors Make When Starting a Home Remodel Project – 5 simple but easy to follow ways to avoid making mistakes and costing yourself money during a home renovation.
Hank @ Money Q&A writes How You Can Save A Ton Of Money With Coupons This Holiday Season – You don’t have to go to extreme measures to make coupons, coupon codes, and deals help you and your family save money with coupons. Here are some great tips to save a ton!
Derek Chamberlain @ MoneyAhoy.com writes Make Money By Helping Out Your Family – How to use your natural skills to help out your family and make money at the same time!
Jessica Moorhouse @ Mo’ Money Mo’ Houses writes Why I Won’t Be Home for the Holidays (Also My Big News!) – I can finally share my big news (and explain why I won’t be home for the holidays this year)! This past Monday I finally found out that everything is a go and I can share my exciting news with you! So what am I talking about? A new job of course!
Dollar @ Easy Extra Dollar writes Make extra money through working from home – If you want for make money easy without your company, you should be dedicated and determined. You should ensure that you believe the role of your employer; you will also be the servant so you should release these two functions.
Jason B @ The Butler Journal writes Side Hustles – This is a post about numerous side hustles I’ve had over the years.
Adam @ Money Bulldog writes 5 Signs You Chose the Wrong Career – Do you find yourself getting bored at work way too often? Maybe it’s time to switch career paths.
Ryan @ Cash Money Life writes Take the Stress Out of Christmas Shopping – Christmas shopping can be an expensive and stressful event! Use these tips to make your shopping list, set a budget, and the reduce stress of the season!
JP @ My Family Finances writes Why Paying Down Debt Is Better Than Investing In The Stock Market – Overall, while investing in the stock market may seem like a good idea, the fact remains that doing so would only put you at a greater risk of losing more money.
Lauren @ L Bee and the Money Tree writes The No-Spend Clothing Challenge Wrap Up – Was the no-spend clothing challenge a success? I cheated, but ultimately it was a success and I reduced my clothing spend by 73 percent.
Corey @ Steadfast Finances writes Reasons to Get Life Insurance – I was talking to a friend of mine the other day who is almost 3o and his wife is pregnant. When I asked him what type of life insurance he had, he looked puzzled. “Surely you have life insurance at your age, with a child on the way?” I asked him. I was shocked to find out that he did not think he needed life insurance because he was ONLY 30.
Tushar @ Earn More and Save writes 3 Reasons Why Bargain Shopping is Bad for Your Wallet – The economy is still shaky for the most part and everyone wants to be a bargain shopper nowadays. The problem? Bargain shopping can often be bad for your wallet. Here’s why.
Michelle @ The Shop My Closet Project writes Life in the Red-A tale of being in debt – I have spent my entire adult life living life in “The Red”. When I say in “The Red”. I mean in debt. When you talk living paycheck to paycheck I get it. I get juggling bills and money around to see what I have in the bank and in my pocket so that I can pay things off.
Brent @ PersonalFinance-Tips writes 6 Tricks To Help You Get Out Of Debt Quickly – Debt is something that the majority of people today have to deal with, which is unfortunate. With this being said, if you do have debt, there are simple things you can do to increase the rate at which you are able to pay it off. Below are six tricks to help you reach a debt free lifestyle as quickly as possible.
Ted Jenkin @ Your Smart Money Moves writes Do You Have 6.2% Extra In Your Paycheck? – It’s pretty amazing to me how many people truly still don’t understand our payroll tax system.
Luke @ Learn Bonds writes Two Moderately-Aggressive Asset Allocations For Income-Focused Investors – A look at 2 moderate risk asset allocation models for those who want to have a higher yield while being able to withstand risk in maturities.
IMB @ Investing Money writes Increasing the ROI on Your Investments – This holiday season, everyone wants a little extra cash to spend on those you love. If you are an investor, you might be looking for the money from your investments. If you can squeeze a little higher return from your investments, you might be able to spend a little more in Holiday shopping.
Lindy @ Minting Nickels writes Top Mistakes to Avoid in Online Forex Trading – There are plenty of places that tell you what you should do when you’re trading Forex online, but not as many telling you what you shouldn’t.
Debt Guru @ Debt Free Blog writes Hand Me Downs: Why They Win the Battle of New VS Used – Need clothes for your child? Consider the money savers that are hand me downs, or even used clothing from other sources, instead of buying new.
SavingMentor @ How To Save Money writes More Free Money: $100 Gift Card And Up To 5% Cash Back On Gas & Groceries – Last year about this time I wrote about a very lucrative deal where people could get a $100 gift to one of four popular Canadian stores or restaurants simply by signing up for one of the best no fee cash back credit cards available to Canadians. It was very popular amongst my readers and a lot of people took advantage of it including myself and my wife.
Kyle @ The Penny Hoarder writes Long-term vs. Short-term Small Business Loans – Learn about the key differences between short-term loans and long-term loans. No matter what kind of business you have, this information will help you determine which small business loans can best benefit your bottom line.
Tushar @ Start Investing Money writes Should You Blow Your Savings on Christmas? – This has to be one of the most tempting times of the year. It’s like a diet you stay on for 95% of the duration, only to fall at the final hurdle and let yourself down during those last few days that could have made a real difference.
Minimalist @ Minimalist Finance writes Ways to Find Money to Save – Over and over again, we hear about people that use the excuse that they can’t save money for the future because they don’t have enough money in the now. Many people struggle to put money away when they are already living hand to mouth.
CAPI @ Creating a Passive Income writes Getting a Kickstart: How to Use Donation Sites – Most people are either unaware of or are reluctant to use donation sites. For some, this may seem like virtual panhandling, but the exact opposite is true.
SBB @ Simple Budget Blog writes Ready, Set, Shop! Tips on Getting Through the Holiday Shopping Season – The things to watch out for as you begin your annual holiday shopping experience.
Wayne @ Young Family Finance writes Internet Tips: How to Make Extra Money Online – Looking for some extra for your wallet or savings? Here are some of the legitimate ways to make extra money via the Internet.
Mr. Frenzy @ Frenzied Finances writes Common Personal Finance Mistakes and How to Avoid Them – There are widespread personal finance mistakes made by many Americans that can easily be avoided. What mistakes are you making? Read here to find out!
Jacob @ AllPersonalFinance writes Commodities: Tips and Tricks to Expert Investing – Many investors, young and old, look to the commodities market when seeking double-digit returns. In this market, one can make serious returns even when the overall stock markets are down. However, when trading commodities, one should follow a few basic rules should they want to achieve success. Here are four tips for a commodities investor.
Daisy @ Suburban Finance writes Want to Learn About Personal Finance? Play Monopoly – According to dictionary.com, the term -monopoly- is defined as “exclusive control of a commodity or service in a particular market or a control that makes possible the manipulation of prices.” I highly doubt I knew what that meant when I was younger, but read what I learned.
Mrs. Accountability @ Out of Debt Again writes Shopping Cart Abandonment: Three Ways to Drop the Rate – Have you ever logged onto a store’s website and browsed around, maybe clicked on a couple of items to add them to your cart, then left the page without buying a single item?
Don @ MoneySmartGuides writes 5 Tips for Identity Theft Victims – Identity theft has made so many victims that you should no longer wonder if your identity will be compromised, but when.
Anton Ivanov @ Dreams Cash True writes Best CD Rates for 2013 – Highest Certificate of Deposit Rates – The best CD rates, updated for 2013. Find the highest Certificate of Deposit rates and learn what things to look for when picking the best CD accounts.
FI Pilgrim @ FI Journey writes Financial Lessons I Remember Learning From My Dad – I love thinking back to the lessons my dad taught me as a kid. Here I run through a few of the financial lessons I remember learning from my dad.
Adam @ The Cheapest Cars To Insure writes What Does Third Party Insurance Cover? – Know the important facts about your third party insurance inside and out before it’s too late.
Robert @ The College Investor writes The Best Broker for a Trust Account – I wrote a month ago how I was opening a trust account for the revocable living trust we created as part of our estate planning. Well, creating the trust was step one, and lately, we’ve been working on executing the trust (meaning we’re moving all the assets into the trust).
Jon Haver @ Pay My Student Loans writes How to find student loan relief – Your student loans are overwhelming, your paycheck does not go as far as you had planned, you lost your job, or you cannot find one, but your obligation does not go away.
Jeremy @ Modest Money writes How Not Being Careful Almost Cost Me $1200+ – Always go through your bank and other financial statements with a toothcomb. You might notice charges that will make your jaw drop and all save you tonnes in the long run. Better yet learn from my experience!
Nell @ The Million Dollar Diva writes How to Save for Your First Home 20% Faster – Want to get into your first home 20% faster? Here’s an easy way for Australian’s to get up to an extra 20% for their deposit.
Alice Sibley @ Earning My Two Cents writes How to Handle Medical Bills (Without Freaking Out) – Don’t panic! It’s just a medical bill. You can work out a way to pay it.
Grayson @ Debt Roundup writes The Black Friday Spending Spree – As a fan of infographics, I was able to find one about Black Friday and how much money is actually spent during that day and the weekend following. You might be surprised how much people spend and the trend seems to be increasing.
Well, that’s all for the 20th 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.