Aspiring Blogger – Personal Finance Carnival #22 – December 13, 2013


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

Welcome to the 22nd edition of the Aspiring Blogger – Personal Finance Carnival – and the second of the weekly carnivals! Also, happy Friday the 13th – so much going on today. I can’t believe that it’s only been a week since the last carnival and there are over 70 articles in this one! Maybe I’ll have to think about switching to daily carnivals? Haha, just kidding…mostly!

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
Financial Independence
Location Independence
Making Money
Personal Finance


Harry Campbell @ Your PF Pro writes “Lots of New Amex Sync Offers: $25 Free at “ – Last summer I wrote about all the great benefits of my Amex cards when it came to promotions with social media. The promotions this past summer weren’t as good but there were still a few decent ones here and there. But with Christmas time coming up, Amex is really turning up the heat when it comes to partnerships and free cash back for spending.

Jefferson @ See Debt Run writes Doing SEO Research for a Niche Site – Niche sites can be an excellent way to generate income. This article discussed how to do SEO keyword research for your niche site with Market Samurai.

Grayson @ Debt Roundup writes Dear Verizon, This Is Our Final Goodbye! – After 14 years of being a loyal Verizon customer, I have decided to move on. After mutiple price increases, I realized there were many other options that would cost me much less. I left Verizon for a no-contract plan and brought my wife with me.

Jacob @ Cash Cow Couple writes Low Cost Cell Phone Plans – We’ve been researching the cheapest cell phone plans available. Come check them out and save a boatload of money on your monthly bill!

Gabe @ CPA Tax Guy writes Accountant Tips for Taxes – If you’re looking to find ways to save money on taxes before the upcoming IRS filing, come read and learn.

Ben Luthi @ The Wealth Gospel writes Fun Ways to Give This Holiday Season – Giving is on everyone’s minds during the holiday season. Here are some of my favorite ways to give

Dee @ Color Me Frugal writes 12 Free or Cheap Ways to Get Exercise in the Winter – Here are 12 frugal and fun ways to make sure you stay active when the weather turns cold!

May @ Messy Money writes Pursuit of Thrift Report -December – I was feeling a bit blue about it so I sat down and made a list of positive financial events this month. I did manage to squeeze in a few frugal deeds that will help, so here is my Pursuit of Thrift Report.

The Warrior @ Net Worth Warrior writes The Ultimate Guide to (Finally) Cutting the Cable or Satellite Cord – In-depth review of how to make the transition from cable or satellite to other resources of television entertainment.

Daisy @ Suburban Finance writes Frugality at It’s Finest – Those two words don’t always go together. It sounds more like an oxymoron to me. Why? When you think of billionaires, you almost always think of yachts, private jets, mansions, etc. Everything is high-end and very expensive. However, there are many billionaires who are actually frugal.

Stu @ Poor Student writes Cheap and Semi-Healthy Snacks to Help You Through Your Next Cramming Session – If you are one of those students who makes frequent trips to the vending machine at 11:00 at night to fuel another couple of hours of cramming, you aren’t alone.Why put your body through that? It’s not good for your mind and eating all of that sugar and sodium can counteract the good you are doing with studying.

Mark @ The Money Mail writes Renters Insurance: Is it needed or not? – Whenever you go for a rental apartment, there is a question in mind. Should one go for rental insurance or not? Well to be honest, the answer is not that simple. While insurance does come in handy if anything goes wrong. It is expensive and may or may not covet things you are concerned about. In order to decide if you should go for renters insurance you have to consider many factors and in this article we look at all the important factors to make up your mind.

Jack @ eMoneyLog writes A guide to shopping from thrift stores – Shopping at a thrift store can be difficult if you do not know what to buy at these stores. It can actually be very intimidating. Some of the items are just crap, many are average quality but you can also often find gems if you know what to look for. In this post I take a look at the best items to buy from the ones available at a thrift store. There are many stores that will carry old items that have antique value. If you know how to identify these you an end up with some really good items at

Gary @ Gajizmo writes Common Craigslist Scams – Some Americans may be using Craigslist this holiday season for their shopping. If you can get a good deal, who can blame them, but check out our list of Craigslist scams to avoid.

Christopher @ This That and The MBA writes Using Online Tools to Manage a Household Budget – If household expenses seem to pile up each month out of nowhere and you find yourself struggling to make ends meet, it’s time to create a budget. Many consumers used to rely on financial planners and other professionals in order to get their finances in order, but today’s array of free online tools can save you money.

John @ Frugal Rules writes And You Wonder Why We Have Financial Problems… – Recent studies show, and not really surprisingly, that much more money is being spent to market financial products as opposed to teaching about them. While this may seem like an impossible problem to solve, teaching financial literacy can help stem the tide. Teaching financial literacy will help individuals begin to make wiser financial decisions like saving for retirement and living within their means.


Justin @ Root of Good writes I Have a Luck Making Machine – Find out how the Luck Making Machine makes us wealthier and always makes smart choices. From houses to cars to careers, we always seem to have the best luck thanks to the Luck Making Machine we own.


Jester @ The Ultimate Juggle writes Family values are high on the UAE priority list – It’s good to know as you pine for the expatriate lifestyle and consider joining the thousands of Americans and Europeans currently living and working in the oil-rich United Arab Emirates (UAE) that family values are high on the list of priorities of the country’s citizenry. And that’s the same for both nationals and expats alike.

Mel @ brokeGIRLrich writes Why Debt Sucks – A story of young love. Not. How Pete and I met, fought and co-existed for two and a half years before I kicked him to the curb.

Harry Campbell @ Your PF Pro writes Tuning Up a Bicycle is Easier and Cheaper Than You Think – Ever since I moved up to Newport Beach a few months ago, I have been biking nearly everywhere. When you don’t have a job, you have a lot more free time on your hands so you’re not in quite as much of a rush. A lot of people think riding your bike takes significantly more time than driving in a car, but once you’ve got a few weeks of riding under your belt, you can make surprisingly good time. You might show up to your destination a little sweaty, but you’ll save a ton on gas and you g

Pauline @ Reach Financial Independence writes Little house in Guatemala, week 52, back home edition – I finally made my way back to Guatemala, just on time for my one year anniversary. I had been away for over two months, and thankfully the trip back was less eventful than the way out via Cancun.


Tushar @ Start Investing Money writes Can Research Save You Money at Christmas? – We tend to focus a lot on investing money throughout the year, but trying to keep this up as we get closer to Christmas can be difficult. However even though you will likely spend more than usual on gifts for other people, you can still save money while doing so.

Wayne @ Young Family Finance writes Cable, Satellite, or Neither: Which Television Solution is Right for Your Budget? – Should you choose cable, satellite, or neither for your next television show provider? We provide the advantages and disadvantages to each.

Joshua Rodriguez @ CNA Finance writes Is It Time To Start Investing – In this post, Joshua talks about when it’s the right time to start investing as well as other things that beginning investors should know.


Harry Campbell @ The Four Hour Work Day writes How Efficient Are You at Work? – For those of you who don’t know, I recently had the pleasure of testing out the four hour work day. Although my experiment only lasted a few months, it gave me great insight into what it would be like if I was working for myself full time. And by full time, of course I really mean only four hours a day


Brent @ PersonalFinance-Tips writes Five Steps to Follow for The First Time Homebuyer – Buying a home at first can seem like a daunting task. There are a multitude of factors to consider, some of which are not immediately clear or apparent, as well as a variety of factors that differ based on location, what type of home you are looking for, etc.

Don @ MoneySmartGuides writes Small Business Banking Options – Do you own a small business? Do you know all of you your small business banking options? Times have changed and you could be paying too much for your banking services.

Jacob @ AllPersonalFinance writes Top unusual ways that can help you earn a good sum of money online – There is a plethora of ways to earn money. Some prefer working long and tedious 9 – 5 hours while some prefer working from home or running a business. However, there is also a section of the world’s population that is engaged in earning a good chunk of money from varied online sources.

Tushar Mathur @ Everything Finance writes Working To Live Or Living To Work? – The concept of work and its role in a human’s life has always been somehow controversial in whether job is a ‘need to’ or a ‘want to’.

Debt Guru @ Debt Free Blog writes Refinance Your Mortgage: Is It Right For You? – Though refinancing one’s mortgage is a good choice for some, it can be a costly decision for others. A homeowner should weigh out the pros and cons.

Mrs. Accountability @ Out of Debt Again writes Examine Your Utility Bills Every So Often – Do you get your bills and pay them without taking a second glance? What if your bill is higher than normal? Do you just assume it’s your fault and pay it?

Tushar @ Earn More and Save writes The Questions At The Centre Of The Mortgage Journey To Homeownership – Each Canadian family must ask questions that form the basis of the mortgage journey to ensure their investment in a home is a wise decision.

Adam @ Money Rebound writes Could You Spend a Million Bucks in a Week? – Have you ever dreamt of having a million dollars to just spend on anything you could ever want?

Dollar @ Easy Extra Dollar writes Develop the Offering: Quick Money – What you need to do is to continue your research and questioning within the social groups you have joined – perhaps for some time – until you find a product that properly satisfies the necessity of your prospect.

Pauline @ Make Money Your Way writes November blog income and stats recap – Time for a new blog income and stats recap over at Make Money Your Way


SBB @ Simple Budget Blog writes Analytical versus Creative Budgeting: Which one do you do? – Are you an analytical or creative budgeter? Both have methods to their budgeting, just different ones. View these examples to view where you fit!

Ryan @ Cash Money Life writes Why an IRA Makes Sense Even If It Isn’t Tax Deductible – Not all IRAs are tax deductible. But that doesn’t mean you should avoid them. In fact, it’s almost always a good idea to invest in an IRA for retirement.

Corey @ 20s Finances writes The TRUE Cost of Moving – I used to think that calculating the cost of moving was simple. The calculation looked something like this: Cost of packing supplies + cost of movers (optional) + uhaul rental = cost of moving Oh boy, was I wrong.

Suba @ Broke Professionals writes Play the Savings Game – Play the savings game, it’s a different perspective on savings.

Cat Alford @ Budget Blonde writes We Rocked November – I was really determined to make November an awesome month financially, and I’m proud to say despite several setbacks, we drop kicked November in the face!

Hank @ Money Q&A writes Is Your Excessive Tipping Causing Poor Service For Others At Restaurants? – Is your excessive tipping ruining service at restaurants for the rest of us that have to come into contact with poor servers? Are we reinforcing bad service with excessive tipping?

Ted Jenkin @ Your Smart Money Moves writes What Is A Bitcoin? – In the past several months, more and more people have been asking me about the stock market, the US Dollar, and just in general where the direction of the

Daisy @ Suburban Finance writes How to Not Pay Taxes – Tax time is coming up and that means we get to discuss my favorite topic: taxes. Paying taxes can be an exhausting obligation. It’s really sad sometimes to see such a large portion of your income go toward something that can be reduced!

IMB @ Investing Money writes Investing in Robotics – As time passes, robotics become much more relevant. Learn about robotics and investing through this week’s post.

CAPI @ Creating a Passive Income writes FSAs: All About the Flexible Spending Account – Hearing more and more about FSA’s – or flexible spending accounts? Read here to learn just what these three words mean and what they can do for you.

Rich @ Growing Money Smart writes 100K in Five Years Challenge Update 2013-12-10 – This is my latest 100k in five years challenge update. This time we take into consideration the kiddie tax treatment of gains that my young friend might encounter in his account.

Lauren @ L Bee and the Money Tree writes Cut the Crap This Christmas – You don’t have to give or receive “stuff” this Christmas. Cut the crap and go for consumable gifts!

Don @ Money Reasons writes Not All Personal Financial Blogs Are A Good Fit For You – I’ve noticed that not all personal finance blogs are really a good fit for everybody. In this article I mention a few great sites, and then a few ideas that I consider bad ideas from lesser sites.

Michelle @ The Shop My Closet Project writes 2013 was just the Debt Repayment Dress Rehearsal – I’m amazed that I kept up with blogging. I’ve saved money outside of my retirement! Traveled 3 times using cash and 3 times for work. I made sure to understand how per diems work and was able to request back moneys used on business trips.

Roger @ The Amateur Financier writes Net Worth Update: December 2013 – A update on my net worth, listing where my savings, investments, and debts currently stand, as well as how close I am to meeting my goals for the year.

Minimalist @ Minimalist Finance writes Prepare Financially for the New Year – Prepare Financially for the New Year has been published on Minimalist FinanceEvery year seems to go faster and faster, and 2013 was no exception. We have just a few short weeks left of the 13th year of the millennium, and it’s time to start preparing for the new year, financially.

Luke @ Learn Bonds writes How To Start Investing In Consumer Loans – Building Your Portfolio – What you need to know to get started invesging in P2P loans.

Bargain Babe @ writes Early Childhood Toys that are Worth the Money – A list of early childhood toys and games that are not only worth the money but are also educational. These toys have stood the test of time.

Mike @ Personal Finance Journey writes Grow or Buy – Can I Save Money Buying My Food? – The Pros and Cons of buying your Food and whether you can save money or not compared to growing it on your own.

Lindy @ Minting Nickels writes Finding New Ways to Save Money and Pay Off Your Debt Faster – If you’re on a mission to pay off debt, you’ve likely already found obvious ways to slash your budget.

Eva Baker @ TeensGotCents writes $1,000 Challenge – Insurance and Miscellaneous – Trying to get my budget in great shape for 2014. Sure hope that you will join me as I follow Brian O’Connors advice in The $1,000 Challenge!

Tony @ We Only Do This Once writes The Debt to Income Ratio Factor – The Importance of Your Debt to Income Ratio Debt to income ratio is a major factor for banks when evaluating a loan Your debt to income ratio is a pretty big ratio to take heed of.

Maria @ The Money Principle writes Frugality of Folly: breadmaker for Christmas? – Having a breadmaker is key to saving on food and I am getting my sons one for Christmas.

JP @ My Family Finances writes Save On Healthcare Costs – What are some of the ways that you can keep these healthcare costs under control?

SavingMentor @ How To Save Money writes Save Tons Of Money On Almost Any Purchase! (VIDEO) – There’s an amazing deal going on right now where you can save a huge amount of money while purchasing almost any product you can buy online in Canada (use your imagination) by stacking multiple promotions together via the Shop.

Crystal @ Budgeting in the Fun Stuff writes 4 Ways to Travel for Mind-Bogglingly Cheap Prices – Check out these four ways to travel for mind-bogglingly cheap prices.

PPlan @ Provident Plan writes Is Trading Forex an Effective Way of Supplementing your Income? – While the UK government may be taking solace in improved growth portents and the prospects for a brighter 2014, there is still considerable work to be done!

Kyle @ The Penny Hoarder writes 10 Weird Ways to Make Christmas Cash – Christmas is around the corner and if you’re in need of some quick, holiday cash, try one of these 10 weird ways to make extra money…

Daisy @ Suburban Finance writes Real or Fake? – Now, now, that’s not what we’re talking about today! Today we’re talking about Christmas trees! My very favorite part of the Christmas season is the tree. I love the smell, lights, decorating and mostly, how it makes a room feel.

Corey @ Steadfast Finances writes Personal Finance and Lending – When you decide that you want to take out a loan there are many things that you need to consider.

Jim @ Critical Financial writes My Thanksgiving Gratitude To Lowes – In the spirit of Thanksgiving I feel the need to express my utmost thanks to something outside of family, good health, church, job, etc etc.

Jon @ Novel Investor writes Year End Financial Review To-Do List – A year end financial review is a great way to take stock of your money goals each year, see what worked, what didn’t, and make adjustments for the new year.

Nicole @ How to Avoid a Cashtastrophe writes Don’t Trick Yourself Into Thinking Your Handling Money Well – See more at: – You’re headed down a dangerous and catastrophic (or, cashtastrophic) road if you are tricking yourself into actually believing that you are being good with your money when you aren’t.

Adam @ Money Bulldog writes Credit Builder Credit Cards – Using them wisely – How your credit score can easily go from bad to good through credit builders.

Bobby @ Making Money Fast and Slow writes 5 Money Mistakes 20-Somethings Make – Be sure to steer clear of the following money mistakes, which can put a damper on your financial future.

Adam @ The Cheapest Cars To Insure writes 10 of the Best Insurance Group 1 Cars – Getting the best affordable insurance policy for your type of car.

Irfan @ Everything About Investment writes Tips for Personal Financial Success – Getting a handle of managing your basic personal finance can return many financial rewards as well as provide you with more free time to pursue your interests and freed up money to invest. When we talk about the basic elements of anyone’s personal finances we are including a personal budget, savings and investment planning, managing your income and outgoings resourcefully as well as applying for loans and finance and various insurance policies you may need over your lifespan.

Jon Haver @ Pay My Student Loans writes 3 Tools to Help Pay off Student Loans – Graduation day is arguably one of the best days in the entire college experience. After years of study, students are now ready to pursue a career in their chosen field and reap the rewards of their hard work. It also means that the start of student loan repayments is just around the corner.


Well, that’s all for the 22nd 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.

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