Aspiring Blogger – Personal Finance Carnival #21 – December 06, 2013


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

Here it is, the 21st edition of the Aspiring Blogger – Personal Finance Carnival – and the first edition of our new weekly carnivals! I know I’ve been talking about this for a while, but I think this will really help to showcase all the amazing articles without overloading all of you. Even though this is just half of a normal carnival – it still has a TON of submissions – which is crazy/awesome!

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!


Budgeting and Frugality
Early Retirement
Financial Independence
Making Money
Personal Finance


Mr.CBB @ Canadian Budget Binder writes Comparing the comparison sites in Canada – If you love a good deal then you know you can compare prices using comparison sites online.

SBB @ Simple Budget Blog writes The Physical Manifestations of Keeping a Budget – How maintaining a budget can keep you healthier for years to come.

Harry Campbell @ The Four Hour Work Day writes Have You Ever Had a Really Great Manager? – On most nights when I get home from work, I have a pretty consistent routine. I’ll work online for a couple hours while I have a little snack and then it’s off to prepare dinner, or grab a quick bite to eat. Once in a while, my fiancee will even cook dinner for me! But after that, I sit down in front of the TV and put on one of my favorite shows: The Office. It’s kind of sad but that show is one of the only ones I can watch over and over without it ever getting old.

Daisy @ Suburban Finance writes Using Online Classifieds to Help With Home Revovations – Home renovations can be pretty expensive and labour intensive. We like to use online classifieds such as Craigslist to keep costs down.

Daniel @ Make Money Make Cents writes It’s Time To Stop Trying to Keep Up With The Joneses – Keeping up with the Joneses is the phenomenon of using your neighbors as a standard for which to compare your own life and material goods.

Oscar @ Money is the Root writes Shop a Little Smarter This Holiday Season – Tis the season of giving, right? Wrong! It’s more like the season of shopping and buying things for others.

Jay @ Daily Fuel Economy Tip writes Five Ways for Parents to Save on Tutoring – You may be starting to notice your child’s strengths and weaknesses in school, as far as grades go. There is a solution: tutoring.

Danielle @ Saving Without a Budget writes What you should be Teaching your Teenager about Credit – One of the basic goals of every parent is to teach their child the lessons they need to know to be able to make it on their own when they become adults. Of all those lessons, one of the best that you can teach to your kids is how to handle credit.

Matt @ Budget Snob writes How your Upbringing Affects your Money Habits Part 2 – 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 Old Fashioned Money Saving Tips that Still Work – These days everyone is looking for newfangled ways to save money and, in the rush to do it, some people overlook old-fashioned tips and tricks that have been around for ages.

Amy @ Money Mishaps writes Online and Mobile Retail make Black Friday practically obsolete – Ladies and gentlemen, here is a certifiable fact; marking down prices for Christmas is an American tradition. Here is another fact that is a bit newer; today, those markdowns and bargains come right to you at home so there is no need to actually go to the store to get them.

Lenny @ Best Money Saving Blog writes Frugal Habits that you can Copy from the Rich – We put together a number of frugal habits that the upper class have taken to using. Use them yourself and you will build financial independence and long-lasting wealth.

Hadley @ Epic Finances writes Do Exchange-Traded Funds have an Advantage over Index Mutual Funds? – One of the questions that we frequently get is whether or not there is an advantage for long-term investors to use exchange traded funds instead of index mutual funds. It’s an excellent question, to be sure.

Andrea @ So Over This writes More Money, More Gifts: Effective Ways to Save on Holiday Shopping – There are so many people looking to save money during the holidays while also getting the gifts that they want for their family and friends. Fortunately, there are several effective ways that this goal can be accomplished.

Lily @ Paying Debt Down writes Money Saving Holiday Shopping Tips 2013 – Did you go so far over budget on your holiday spending last year that you didn not pay off your bills until the Fourth of July? If yes, then this post is definitely for you.

Bob @ Dwindling Debt writes How Much Do You Actually Need for Retirement? – It might seem rather difficult to determine exactly how much money you need for retirement, as there are so many variables that come into play.

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 Not All Mortgages are Created Equal: Three Reasons Why – In 2013 fewer Americans than ever put pretax dollars a way to cover future medical expenses but changes in 2014 will make these flexible spending accounts bit more attractive. These new changes will actually give taxpayers a bit of extra time to use their money.

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 Conference Planning: Not for the Weak – The days were still long and humid when I first sat down to plan out the idea of Canada’s first fashion and beauty conference in Toronto. My first call was to Anjali, our content and programming Director, who sat down and listened to me without judgement. I was scared. I tend to get these crazy ideas in my head, and recruit people who I think would be great.

Justin @ Edward Antrobus writes 10 Reasons To Consider Small Business Exporting – Exporting used to be seen as something that only the bigger companies really did. These days the process is more accessible than ever before, even to small businesses.

Aaron @ Aaron Hung writes How to Get a Credit Card for Your Startup – Some argue that the best way to avoid debt is to pay it down right away. This is not always the case. If you dream of running your own business someday, you have likely weighed the option of using a credit card against using capital for financial needs.

Dee @ Color Me Frugal writes Top 6 Reasons to Look Your Bank Statements Over Carefully – Bank errors and other mishaps happen more often than we would like! Find out what you need to be looking for to keep your money safe.

Buck @ Buck Inspire writes Club MomMe Family Fall Fest 2013 Entrepreneurship for Moms Recap – Like I mentioned in my Club MomMe Family Fall Fest 2013 Recap, the Entrepreneurship for Moms speaker panel was one hour filled of informational and inspirational stories. The interesting thing was you could not get a more diverse mix of styles and personalities.

Monica @ Monica On Money writes It’s Beginning To Look A Lot Like Christmas! – I personally have decided to skip Black Friday shopping this year, mostly because in the past I have spent a lot of money on Black Friday for random things on sale that I did not need. It is tempting to buy something just because its on sale.

Holly @ Club Thrifty writes Avoiding Obamacare: Screw You Guys, I’m Outta Here – Avoiding Obamacare has become my goal over the past few months and I think I found a way to do just that. Read about it here.

Natalie @ Debt and the Girl writes Finding Out What Makes You Thankful This Holiday Season – This time of the year always makes me reflect on certain things in my life and how fortunate I am for what I have. It also makes me reflect on certain things that I can do to make things better for myself and those that I care about.

Andy Prescott @ Art of Being Cheap writes Why credit cards are the best way to pay – The fact of the matter is that credit cards are the best way to pay for all of your purchases. They are the most convenient way to pay, they are the cheapest way to pay, and they are the safest way to pay.

Alexa @ Single Moms Income writes My Work at Home Truths – It has officially been one month since I quit my job to work on my online businesses. Over this past month I have had some revelations.

Sustainable PF @ Sustainable Personal Finance writes How Mobile Banking Can Help You and the Environment – Thanks to technology, it is possible to stay on top of your banking anytime you want. Not only is this helpful for you, but it can also be helpful for the environment.

Alexa @ Defeat Our Debt writes How to Use a Zero Sum Budget – If you want to improve your financial health you need to budget. Here is how you can use a zero sum budget to improve your personal finances.

Jason @ The Money Makers writes Olivia Wilde is Having a Baby: What are the first-month expenses? – Olivia Wilde recently announced her pregnancy with fiance Jason Sudeikis as she is due with her first child in the coming year. Although the couple have declined to reveal their due date, they likely are expecting to set aside a budget for their baby, even with their high incomes.

Graham @ Moneystepper writes 2014 New Year Resolutions – Update on my 2014 goals – Maybe I’m being a little impatient, but I started early this year! Check out my November progress!

Adam @ Money Bulldog writes How Long Could You Live Without Your Salary? – The importance of having a backup plan when you suddenly lose your job.

Jessica @ Lovely Life Cents writes Save Money Shopping Online – With Christmas fast approaching, many of us are planning to spend some time and money shopping over the next few weeks. I’ve found a few great ways to save money that I thought I’d share.

Christopher @ This That and The MBA writes Easy Household Budget Strategies – Most people live paycheck to paycheck, and spend what they want whenever they want. But if you keep up that pattern long enough, you’ll soon discover that the money runs out before you’ve paid all the bills, and there is never any left over for special purchases or holidays.

Ben Luthi @ The Wealth Gospel writes Rules of Thumb to Ignore – Rules of thumb can be helpful when you’re just starting to learn how to deal with your finances. But for some people, they can be holding you back from reaching your potential.

Adam @ Money Rebound writes Finding the Balance Between Saving Money and Living Life to the Full – Working through the challenges of enjoying life on a budget while finding that perfect middle ground.

Chris @ Big Day Coming writes How to Save Money at Home Depot – For those of us who like to do a lot of DIY projects, or have homes that need some remodeling, we spend an awful lot of time at Home Depot and Lowe’s buying tools and supplies. So it can pay to know how to save money at Home Depot. Here’s an exhaustive list of ways to save you cash on your Home Depot purchases.


Justin @ Root of Good writes Three Months of Early Retirement – In this tell-all exposé, Justin reveals the secret life of a 33 year old early retiree. Buying baby diapers in bulk, repairing appliances, tracking spending. It’s all in here folks!

John @ Frugal Rules writes My Retirement Dream: To Keep Working! – Many want to follow the traditional retirement dream of working until 65 and then leaving the workforce completely. My retirement dream is different – to continue working. With frugal living and an aggressive investing strategy I believe many can pursue that dream and eventually work for yourself in retirement.


Tushar @ Finance TUBE writes 5 Secrets of Successful Savers – Are you a saver or a spender? There are several things you can do if you make saving more natural or spender. There are also strategies you can use that will help your children become savers and set them up on a path to wealth.

Adam @ The Cheapest Cars To Insure writes What Does Fully Comprehensive Insurance Cover? – How you can make sure that you’re buying enough with the right insurance for your car.

Pauline @ Reach Financial Independence writes Why I Will Not Leave an Inheritance – This is a guest post from Snarkfinance. Talking about the concept of inheritance is similar to running a marathon and then having to walk home.


Harry Campbell @ Your PF Pro writes Am I Ready for a Career in Financial Planning? – One of my goals during my three month work hiatus was to look into a career in financial planning. Even though I majored in aerospace engineering during college, it wasn’t until after I graduated and started working that I found out how much I liked helping people with their finances. People are usually surprised to discover that I’m so into personal finance considering my educational background. But I think the two go hand in hand; I base a lot of my investing principles/techniques off f

Chad @ The Stock Market and I writes The Coming Challenge to Diversification – With stocks and bonds appreciating at the same time, investors will have to make some tough decisions as pricing in both bonds and stocks will likely decline together.

Jon @ Making Money Fast and Slow writes Potential Catalysts for an Upcoming Market Correction in Early 2014 – With the S&P up 27% YTD, is it any wonder that we might be seeing a correction soon?

JC @ Passive-Income-Pursuit writes Owens & Minor (OMI) Dividend Stock Analysis – I take a closer look at a budding health care company, Owens & Minor, to see how they stack up for a dividend growth investor.

Pauline @ Make Money Your Way writes How are Currencies Traded? – Today Troy continues the investing for beginners series, he explains how exactly are currencies traded?


Jacob @ AllPersonalFinance writes Five Great Tips For Cutting The Cost of Owning a Business – Every business has a certain amount of overhead that cannot be avoided. These expenses make it possible to produce products or deliver a service. Many other costs, however, can often be lowered. Lowering ownership costs can increase margins and revenue over time. There are five great tips for cutting the cost of owning a business.

JP @ My Family Finances writes Shopping Online or In the Store: See Which One Is More Cost Effective – You will find that eCommerce allows you to maintain the highest profitability based on lower costs and increased sales.

Debt Guru @ Debt Free Blog writes College Finance: Tips for Starting a College Fund – Everyone knows how expensive college is. However, by utilizing a few of the tools listed below you too can begin saving for college.

Kyle @ The Penny Hoarder writes 4 Ways to Save Money on Your Small Business Expenses – If you have a small business, it is almost just as important to minimize expenses, as it is to generate more revenue. If you don’t watch your expenses, you could easily find yourself running a deficit and struggling to maintain your business. Here are some simple tips to save money on your small business expenses.

Pauline @ Make Money Your Way writes I bought another PF blog! – I just bought a third PF blog, here are the details of how to value a blog and the expected returns!

Irfan @ Everything About Investment writes Warren Buffett: How to teach your children about money – Warren Buffett is one of the most famous billionaires in the world. He also loves sharing his advice with kids as part of his Secret Millionaires Club. Here, he answers five questions, including what he thinks the biggest mistake is that parents make when teaching their kids about money and how he learned about money.

Dollar @ Easy Extra Dollar writes The Success of Generating Money Online – Internet is becoming very useful nowadays, and as it is being used commonly, it is giving us more benefits that we can used in everyday living. One of the most advantageous use of internet is that, it is giving so many opportunities where you can find easy ways to make money online.

Mike LaCava @ Modest Money writes The Top 7 Things You Must Know When First Flipping Houses – If you are just getting started house flipping, there is much to learn – and I don’t think there’s just one thing I can point to that will lead to ultimate success. But there are a number of different things you should be aware of if you are planning on making the leap into flipping houses.


Roger @ The Amateur Financier writes Keep Your Cyber Monday (and Other Holiday Shopping) Inexpensive – A list of advice on how to keep your online shopping relatively inexpensive, looking at rebate sites, free shipping, coupon codes, and comparison sites for shopping.

Mike @ Personal Finance Journey writes Christmas time and your credit card spend – Do you understand completely your credit card and its features this Christmas before you begin spending? Are you using the right card for you the right way?

Lauren @ L Bee and the Money Tree writes Holiday Gift Ideas for Pets (Giveaway!) – Do you give your pet a gift every holiday? It may sound weird to some, but for as long as I can remember, my family has been gifting our dog a present. Usually just one or two that stays wrapped underneath the tree. My mom is really good at remembering to always gift the family.

SavingMentor @ How To Save Money writes Insurance: Can You Get A Better Rate? – Insurance, more than any other product or service I pay for, makes me nervous …

CAPI @ Creating a Passive Income writes Single Day Jobs: Making Money Quick – Your demand for extra cash need not be dire to be worthwhile. There are a number of legitimate ways to make money quick – read here for a few ideas.

Lindy @ Minting Nickels writes Credit Card Myths: Are They Really What They Seem? – The typical wallet might have at least one credit card inside it.

Tony @ We Only Do This Once writes Debt to Income Ratio Calculator – If you are trying to get a loan or a line of credit you may want to check your Debt to Income Ratio with an online debt to income ratio calculator.

Cat Alford @ Budget Blonde writes How to Avoid Big Purchases and Deal with Emergencies – If you want to know how to avoid big purchases and be better prepared to deal with financial emergencies, look no further than this post!

Suba @ Broke Professionals writes How Much Should De-Stressing Your Life Cost? – We all have stressors. Some of them are the little nagging ones, like getting to daycare on time to pick up the kids and avoid extra charges.

Brent @ PersonalFinance-Tips writes Make More Money: Real Estate Tricks to Flipping Houses – Flipping real estate for a profit is not nearly as easy as some of the TV shows might suggest, but there are many professional house flippers who can attest to the profitability of this income opportunity. By following a few helpful tips, flipping houses can become a profitable and exciting income source for you.

Crystal @ Married (with Debt) writes My 2014 Financial Plan – Rather than prepare a list of financial goals, I’ve chosen to instead craft a solid financial plan ahead of 2014, with a goal of sticking with it for 2014.

Bargain Babe @ writes My Christmas Shopping Secret to Save Extra 10% Off Everywhere – My Christmas Shopping Secret to Save Extra 10% off Everywhere – discounted gift cards!

Maria @ The Money Principle writes Is saving really a virtue? – Saving builds savings; you are still working for your money. Start investing and make you money work for you.

Daisy @ Suburban Finance writes Cheap Things to Do on New Years Eve – Looking for an inexpensive new year celebration? We have listed some cheap things to do on new year’s eve (NYE on the cheap).

Minimalist @ Minimalist Finance writes Batch Cooking to Save On Your Grocery Bill – Batch Cooking to Save On Your Grocery Bill has been published on Minimalist FinanceThere are many ways to cut back your grocery budget, such as shopping at discount stores, using coupons, and even shopping at stores like Costco to buy in bulk.

Don @ MoneySmartGuides writes Beginners Guide to Power of Attorney – The idea of power of attorney can be a complicated one. It is important that you understand the logistics of how power of attorney works before you are in the situation of being one.

Michelle @ The Shop My Closet Project writes Black Friday Pay Off Challenge-Did I Succeed?? – I decided about a month ago to pay off a credit card on Black Friday. I’m not anti-Black Friday.

Luke @ Learn Bonds writes What Recent Bond Market Volatility Means For Investors – Here’s what you need to know.

Eva Baker @ TeensGotCents writes Faithful With a Few – Khaleef Crumbley – Khaleef Crumbley of ‘Faithful With A Few’ shares the story behind starting a biblical finance website and gives teens tips and ideas on managing money.

Crystal @ Budgeting in the Fun Stuff writes Growing a Blog – Sorry, It Takes Time – A bunch of you have emailed me over the last 2-3 months asking how to grow your site as fast as humanly possible.

Hank @ Money Q&A writes The Three Best Online Shopping Tips And Tricks I Have Heard All Year – Scott Elling from has several incredible online shopping tips and tricks for saving a ton of money this holiday season with coupons and other shopping life hacks.

Ryan @ Cash Money Life writes Bitcoin: Investment or Speculation? – Bitcoins are an entirely digital currency that is growing quickly. People want to know if they are a good investment, or if we are nearing a Bitcoin bubble.

Wayne @ Young Family Finance writes Easy & Best Way to Do Your Christmas Shopping – It’s almost Thanksgiving, and while that means a lot of things, it means, perhaps most importantly, that Christmas shopping is in full swing. Regardless of whether you are planning to hit the shops on Black Friday or not, you need a plan to do it the right way.

Ted Jenkin @ Your Smart Money Moves writes Why Does Generation X Have Lifestyle Envy? – It’s official. For years and years everyone has labeled my generation (Generation X) the slacker generation.

Mrs. Accountability @ Out of Debt Again writes Why Should You Stop Payment on a Check? – Checks are being used less by ordinary people, but the check business is alive and thriving in businesses.

IMB @ Investing Money writes Investing in Drone Technology – Ten years ago, the US had 50 drones in service. Drone technology is spreading quickly from the military to the private sector.

Syed @ The Broke Professional writes Student loans: Set it and forget it? – Is it better to just make minimum payments on your student loans and coast until the end or would it be more prudent to pay them off as agressively as you can?

Stu @ Poor Student writes Why Students Should Get a Summer Job – If, as a student, you don’t have a job already, summer jobs are a great way to be able to explore your interests, chosen career, and build experience so you’ll be in a better position when you graduate.

Sarah @ BloggerPreneurship writes How to Think of Blog Article Ideas – It is very difficult to think of blog article ideas. As a blogger and entrepreneur, you rely on your blogs and websites for at least a portion of your income. Whether or not blogging is directly related to your income or it drives customers to your actual business, having fresh new content is incredibly important. This is no surprise, but what may be surprising to you is how difficult it is to find topics to write about on a consistent basis.

Daisy @ When Life Give You Lemons writes How to Stay-Budget Conscious While Connecting with Long Distance Friends – When you’re jonesing for a hit of good times from an old friend who lives far away, embrace these tried and true methods for connecting on a budget.

FI Pilgrim @ FI Journey writes Avoid Overspending When Throwing A Pity Party – Do you have a tendency to spend money when you are having a pity party? Trying to make up for lost time, or make yourself feel better?

Jon Haver @ Pay My Student Loans writes 5 Reasons to Refinance Your Student Loans – College graduates have a lot on items on their “to do” list; resumes, job interviews and perhaps finding a new place to live. You may also want to consider refinancing your student loans.

Brian Fourman @ Luke1428 writes Be Intentional: How to Develop a Giving Plan – Feel like giving has become an obligation? Unsure about where to send your money? This five step plan will show you how to become intentional with your giving and maximize the return on your donation. Experience the joy and freedom that comes from giving wisely.

Matt Becker @ Mom and Dad Money writes What to Look For in a Disability Insurance Policy – There are a lot of variables to consider when looking at disability insurance, and with all of the different terms it can quickly get confusing. Today I’d like to explain some of the most common and important characteristics of a disability insurance policy so that you can make a more informed decision when evaluating your options.


Well, that’s all for the 21st 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.

{ 5 comments… read them below or add one }

Syed December 11, 2013 at 9:32 am

Awesome list of posts! Thanks for the including mine as well.

Reply December 14, 2013 at 4:06 pm

No problem, thanks for stopping by!


Jon December 12, 2013 at 11:14 am

Wow AB! This list gets longer and longer every time I check it out. I know it takes a lot of work to put this together and I appreciate it. There are some great reads in this edition.

Reply December 14, 2013 at 4:06 pm

Thanks Jon, I appreciate you stopping by!


Buck Inspire December 19, 2013 at 1:37 am

Thanks for hosting and including me!


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