Aspiring Blogger – Personal Finance Carnival #23 – December 20, 2013


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

Welcome to the 23rd edition of the Aspiring Blogger – Personal Finance Carnival. Not long to go before Christmas (if you celebrate it – which I do), so if you’re not done with your shopping, then time to get going! This year most my shopping was done via Amazon, so it’s been relatively painless (as long as they all arrive on time! Enjoy the third of our weekly carnivals, and I’ll talk to you all again after Christmas.

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! I want to welcome my friend – Martin – and his first carnival submission – see below – he’s the first one – thanks Martin! If you’re interested in participating in the next blog carnival, you can find out details here or submit your post here! Thanks for stopping by!


Blog Friends
Budgeting and Frugality
Financial Independence
Making Money
Personal Finance


Martin @ Investing into Stocks – Hello Suckers! writes How dividends (and options) protect my portfolio – Dividends and premiums from put selling when added to your cost basis can significantly protect your portfolio from large downtrends. After a year of dividend investing I can see results in my own account.

Crystal @ Budgeting in the Fun Stuff writes New Year’s Resolutions – 2013 Results and Starting Fresh in 2014! – With 2013 almost wrapped up, I thought I should probably review my New Year’s resolutions to see how 2013 turned out…

Mr.CBB @ Canadian Budget Binder writes Bust our Budget- How do you pay your bills – It’s inevitable that mistakes will happen whether they are by human error or computer generated mistakes that for the odd occasion can cause problems when it comes to your finances.


Lisa E. @ Lisa Vs. The Loans writes Use Your Personal Network to Save Major $$$ on Your Wedding – It’s no secret weddings are expensive. But with some creativity and a lot of help, you can achieve the wedding of your dreams regardless of your budget!

JC @ Passive-Income-Pursuit writes Income Update – November 2013 – November was a great month for both income and expenses. The key to creating a better financial future is to control what you can.

Daniel @ Make Money Make Cents writes Want to make smarter money decisions? Use these tips from Economist Noreena Hertz – Noreena Hertz advises people in power, including presidents, prime ministers and CEOs, about international debt and globalization. She also wants to help people like you and I make better financial decisions.

Oscar @ Money is the Root writes 5 Questions that All Taxpayers Should be Asking – If you want to keep as much money in your own pocket this year, rather than giving it to Uncle Sam, the first thing you need is a detailed and well laid out financial plan.

Jay @ Daily Fuel Economy Tip writes Today’s Cold Shipping Technology Involves Far More Than Dry Ice – Cold shipping is a specialized shipping service in which sensitive products, pharmaceuticals, chemicals, foods, healthcare products, biomaterials, human organs and even animals that need to be kept temperature-controlled may be sent and delivered safely.

Matt @ Budget Snob writes If you haven’t started thinking about your year-end finances, now’s the time to get started – As we move towards the end of the year it is definitely time to start thinking about your year-end financial planning. Things like taxes, open enrollment options at work and reassessing your overall financial plan should be done before January.

Danielle @ Saving Without a Budget writes Removing Some Risk From CFD Trading – Contracts for Difference (CFDs) are growing increasingly popular with traders, but they are not without the element of risk.

Jack @ Money Saving Ethics writes Holiday Travel Tips 2013 – If you are planning to travel this holiday season? If so, you definitely should start making plans as early as possible because, as most of us know, traveling during the holidays can be expensive, tiring and stressful.

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 Practically Guarantee a Loan Application Approval with These 5 Steps – Getting your loan approved is not as easy as it used to be. Lenders across the UK, and the world, have become much more strict since the financial crisis, and loan applicants must work harder than ever before if they want their loan application to be approved.

Andrea @ So Over This writes Avoid Travelocity and Their Poor Customer Service – I have explained in previous posts that I am one to rant, and this is my soapbox from which I stand. I feel like I am a magnet for poor customer service, and all the headaches that come with it.

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.

Bob @ Dwindling Debt writes Considering Lending Money to a Family Member? If so, follow these 3 Basic Rules – While this may sound a bit harsh, the best rule of thumb when considering lending money to family or friends is simply this; Don’t.

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.

Katie @ IRA Basics writes Benefits of a Budget – Budget. It is a dreaded word, not one that instills ideas of grandeur and immense fun. It is also a word that’s often neglected, an idea that most of us would rather not think about.

Sam @ The New Business Blog writes Marketers Capitalizing on 3 Emerging Social Media Trends – If you are a marketing expert (or would like to be) you probably already know about social media and probably, like most, have been migrating between social media platforms.

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.

Justin @ Edward Antrobus writes Auto Insurance – What It Is and Why You Need It! – Auto insurance is one of those things that you do not really think about until it is either time to pay for it, or you need to use it. I am guilty of this myself. I renew my auto insurance twice a year, and if it is relatively the same price than I simply click the renewal button and send payment through.

Aaron @ Aaron Hung writes How to stay safe when transacting online – As e-commerce sites and online transactions have become more popular the opportunities for fraud and scams have also increased. Just like any other type of fraud, online scams look for vulnerabilities or weak points and exploit them to walk off with your hard earned cash.

Monica @ Monica On Money writes How My PT Cruiser Saved Me $27,600 – I bought a PT Cruiser in 2004 for $17,5000 and still have it today. Some people think that is crazy.

Holly @ Club Thrifty writes 8 Investing Excuses We All Make – When it comes to not saving enough, we all make investing excuses from time to time. Read this post for eight investing excuses we have all made.

Natalie @ Debt and the Girl writes Feeling a Little Stressed Out Lately… – I think this time of year is particularly stressful. I think this ever bustling time of year can be hard on a lot of people. This is true for me at least.

Alexa @ Single Moms Income writes A Day in the Life – I just thought I would give you a little glimpse into what life has been like over the past few weeks.

Graham @ Moneystepper writes Santa Rally and other market phenomena – are they real? – Santa Rally and other market phenomena – we often hear these phrases being said. But does the data support the existence of the Santa Claus Rally?

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.

Alexa @ Defeat Our Debt writes The Costs of a Five Year Old’s Birthday Party – Kids birthday parties can be very expensive. Here is how much I spent on a birthday present for my five year old.

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.

Kathleen @ Frugal Portland writes Year-End Review: 2013′s Love List – Last year, I made a list of things I would love to do. Did I?

FI Pilgrim @ FI Journey writes Don’t Worry ‘Bout The Mule, Just Load The Wagon – Sometimes we need to close the computer, stop planning for the future, roll up our sleeves and put in the work! Don’t worry ’bout the mule, load the wagon!

Woman with a Plan @ Change the Race writes How to make (and live with) big financial decisions – We all make big financial decisions. Here are three decision-making tips to help you sleep better at night.

David Leonhardt @ World Vacations Travel Blog writes Six Cheaper Ways to Use Your Cell Phone Internationally – Even if you arrive home from an international vacation to find all your doors and windows intact and your belongings untouched, you might still have been robbed. Just wait for that cell phone bill to arrive! Here are six ways to protect yourself.

Carmen @ Gajizmo writes How Do I Improve My Credit Score? – With bank lending coming back and interest rates rising, American consumers can no longer get away with OK credit scores and still get good rates. Your credit history and score will determine whether you can make the right investments and build wealth – learn how to improve your credit score now so when opportunities arise, you can take advantage of them.

Mel @ brokeGIRLrich writes How to Pay Off Your Debt – Would you run away with the circus to pay off your debt? I did. Some ideas for paying down your debt.


Ben Luthi @ The Wealth Gospel writes How to Waste Time and Kill Productivity – Even though I don’t waste large amounts of time, I still find myself shooting myself in the foot by doing these two things


Ben Luthi @ The Wealth Gospel writes What People Living on Less Than $1 a Day Taught Me About Money – A few years ago I had the privilege of going to Fiji to help people. What I learned from them changed my life forever.

Adam @ Money Bulldog writes The importance of emergency funds for the self employed – Do you have some money saved up just in case things don’t go your way?

JC @ Passive-Income-Pursuit writes Net Worth Update – November 2013 – After November’s net worth increase I’m approaching $500k in assets and I’ve already passed my revised net worth goal for the year. The journey to this point has been truly amazing and looking at the chart shows what the combination of a high savings rate and determination can yield.

Christina @ MyLifeInsurance101 writes Universal Life Insurance Pros and Cons – Learn about the pros and cons of variable universal life insurance? By comparing the flexible premiums, investment options, and tax advantages, you can determine if universal life insurance is the best type of coverage for your family.


Lindy @ Minting Nickels writes Facing Your Fear of Investing – There are those who love investing and are comfortable doing it seemingly from day one.

Matt Becker @ Mom and Dad Money writes Should Young Investors Really Fear a Market Downturn? – For younger investors, the fear of market downturns really needs to be challenged. In fact, the biggest risk we face is not the big market downturns, but failing to participate in the big market rallies.

John @ Frugal Rules writes Betterment Review: A New Investing Option to Consider – 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.


Kyle @ The Penny Hoarder writes What Makes a Good Accountant? – According to the U.S. Bureau of Labor Statistics’ “Occupational Outlook Handbook,” there are a few concrete traits and educational requirements that make up a good accountant. These include analytical skills, being detail oriented, possessing a great ability to compare, interpret, and analyze complex figures, and having keen organizational skills.

Rich @ Growing Money Smart writes Is Baidu a Good Investment For Kids? – Is the Chinese Google (Baidu) a good investment to have for kids?

Wayne @ Young Family Finance writes It’s Christmas! Don’t Panic. – Yes, Christmas is upon us, but there’s no need to get anxious about it. Here are some things to do to ease your mind.

Jacob @ AllPersonalFinance writes How to save money without being a Scrooge this Christmas – Christmas is a joyous time of year. Everyone’s in top form; pubs are permanently busy and full of merry cheers, shops are full of jolly shoppers and festive designs, caf’es are not without Christmas cake and there is an unlimited supply of gingerbread men.

SBB @ Simple Budget Blog writes Renters Insurance: All the Pros, None of Cons – There are no cons to purchasing low-cost renters insurance for your apartment or home. Here are a few reasons why.

IMB @ Investing Money writes Janet Yellen’s Testimony and What it Means for Investors – Soon, Ben Bernanke’s role as Chairman of the Federal Reserve and Janet Yellen is nominated to replace him. What does this mean for us? Read here.

Hank @ Money Q&A writes Five Regulations Landlords Need To Know About Renting To Tenants – In the midst of the UK’s housing crisis, it’s difficult to be a tenant. It can also be difficult to be a landlord in this climate though and there are regulations landlords need to know.

Eva Baker @ TeensGotCents writes Affordable Christmas Gifts – Looking for affordable Christmas gifts? Here are some ideas and tips on how to keep costs down at the holidays for teenagers!

Don @ MoneySmartGuides writes How To Find Work – Do you want to know how to find work? Here are 6 tips for you to land a great job. The best part – all of these tips can easily be done without much effort on your part.

Jim @ Critical Financial writes Get Hundreds Of Facebook Fans With The ‘Like Box’ – The Like Box is aesthetically pleasing and complements your website brilliantly. A reader who visits your site will see the Like Box and potentially recognize others who like your page, making this a warm invite to ‘Like” your site.

Richard Adams @ Tech Toucan writes Top 10 Free Tools For Creating Unique Images For Your Blog And Social Media Profiles – Finding great quality images for your blog posts is one thing, but an even more effective strategy – even if it takes a little more time – is to create your own custom images designed specifically with your audience in mind. Fortunately though there are a range of tools designed specifically to help even the most talentless among us create professional-looking, eye-catching images.

Dollar @ Easy Extra Dollar writes Best Ways To Make Money Online – Online working is an eye-catching job but there are certain scams in this job. So people want the jobs in which there income safe and they got their income easily without any difficulty. So following are the ways from which you can earn good and scam free money.


Debt Guru @ Debt Free Blog writes What High School Never Taught You (And Should Have): Paying Your Bills – It’s important to pay bills! Yet this and other important finance lessons aren’t always taught in the modern education system. Read to learn about this!

Bargain Babe @ writes Are Gift Cards Good Christmas Gifts? – DO gift cards make great CHristmas and holiday presents – or are they a quick cop out? We debate the pros and cons of giving gift cards.

Corey @ 20s Finances writes Best Investment Advice: Avoid the Next Fad – Wondering what is the best investment? Read about how to make sure your investment won’t be gone tomorrow.

Brent @ PersonalFinance-Tips writes 5 Fool Proof Ways to Get Out of The Red With Your Family Finances – Many different families often have a difficult time staying afloat financially and staying out of the red. Although it can be a challenge to succeed in a struggling economy, there are a number of ways to thrive and establish a strong financial future.

Don @ Money Reasons writes Does Kiddie Tax Create Inequality – I wonder if anyone thinks about how unfair “Kiddie Tax” to kids and young adults? If you think about it, it’s pretty obvious that it discourages young adults from investing. Is the government indirectly creating wealth inequality?

Tushar @ Finance TUBE writes The Four Gift Rule – The four gift rule is based on simple promise. The holidays in US has becomes completely out of control. You can hear lots of parents talking about materialism saying it’s terrible and out of control. Yet they still have thousand gifts under the tree for their kids.

Tushar Mathur @ Everything Finance writes Find Success: Set Smaller Money Goals for 2014 – If you want to finally make some progress in terms of your financial goals next year, my advice is to set some smaller money goals to get you motivated!

Michelle @ The Shop My Closet Project writes My Favorite Debt Pay Off Posts! From 2013! – And I love seeing people win at the goals that they have set for themselves. I absolutely love reading the Debt Pay off posts. I am addicted to them. The reason I enjoy them so much is because it shows me that it’s possible to pay off your debts! These posts are so encouraging to me and besides being super happy for these people we see that there are many roads to debt freedom.

Luke @ Learn Bonds writes Toll Brothers’ Newly Issued Bonds Are Worth a Look – Despite trading a bit over par, Toll Brothers Bonds still offer an attractive yield for the given level of credit risk.

Roger @ The Amateur Financier writes Just How Long Should Copyrights Last? – A discussion of copyrights, how long they currently last, and just how long they should last, mostly focusing on how our copyright laws are too long.

Crystal @ Married (with Debt) writes How I’d Spend a Holiday Bonus – I was recently asked how I would spend a small windfall like a holiday bonus….here’s what I would do…

Ted Jenkin @ Your Smart Money Moves writes The Food In The Middle Sucks!! – With the explosion of large scale stores like Whole Foods and Farmer’s Markets in just about every different neighborhood, it is clear that the movement to eating more healthy food is becoming important to people in America.

JP @ My Family Finances writes CFDs and The UK Stock Exchange – Trading in CFDs on the UK Stock Exchange gives people a far cheaper alternative to the traditional buying and selling of shares.

Tony @ We Only Do This Once writes The 80-20 Money Saving Formula – The 80-20 Money Saving Formula Saving is one of the hardest things to do especially if you have never followed the 80-20 money saving formula.

Minimalist @ Minimalist Finance writes Watch Your Wallet and Your Health This Holiday Season – With 18 days until Christmas, it’s easy to fall off the wagon when it comes to both saving money and maintaining a healthy diet and lifestyle. Not only is the weather much colder, deterring most people from exercising outside, but there is goodies at every corner.

CAPI @ Creating a Passive Income writes Writing For Cash: How to Make Money Through Writing – Answering the question “how to make money through writing” isn’t easy, but for those who want to turn words into cash it pays to do some research.

Lauren @ L Bee and the Money Tree writes 3 Things I Learned from the Gratitude Project – Rather than run down a list of everything I was thankful for during the final week of my gratitude project, I thought I’d do a re-cap of everything I think I got out of this social experiment.

Maria @ The Money Principle writes How To Get A Mortgage With Bad Credit – Anyone can mess up their credit rating; the question is what you do next. This article offers tips for getting a mortgage with bad credit.

Mr. Frenzy @ Frenzied Finances writes Legal Listening: Music for Free – When people think of listening to music online, they think of listening illegally. The truth is that you can listen online and do it legally! Here’s how.

Suba @ Broke Professionals writes Embrace Workplace Change for Career Success – Embrace Workplace Change for Career Success is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. “Grant me the serenity to accept the things I cannot change, The courage to change the things I can!

Mike @ Personal Finance Journey writes Have you ever needed to Dispute a will? – Has the sad occasion of a funeral ever created the circumstances that require to you dispute a will? Have you ever considered the need?

Mrs. Accountability @ Out of Debt Again writes Arizona Tax Credits – No Itemization Required in 2013 – If you’re in Arizona, you may be able to divert some of your tax dollars to charitable organizations, rather than to pay them to the state.

Ryan @ Cash Money Life writes Save Money on Insurance: Self-Insure – Many people save money by canceling insurance policies and self-insuring. You can also partially self-insure to decrease your insurance premiums.

Cat Alford @ Budget Blonde writes How To Get a Classic, Simple Maternity Style – Even if a maternity dress costs more than you usually spend on clothes, I feel like pregnancy is one of those times where it’s okay it to feel comfortable.

Matt Becker @ Mom and Dad Money writes Understanding the Difference Between Group and Individual Disability Insurance Policies – Today I’d like to run through some of the pros and cons of purchasing an individual disability insurance policy (separate from work) vs. taking the group disability insurance offered by your employer. Each has their own strengths and weaknesses, and understanding them will ensure that your family has the protection it truly needs.

Joshua Rodriguez @ CNA Finance writes First Steps To Take When Repairing Bad Credit Scores – In this post, Joshua discusses the first steps that you should take to improve poor credit scores in a simple to understand step by step format.

Dee @ Color Me Frugal writes Foiled an Identity Theft… Barely! – Identity thieves get sneakier every day! My recent encounter with an identity highlights the extreme lengths to which they will go. Find out how to avoid becoming a victim!

Adam @ Money Rebound writes Coping with the worry of debt – Debt can take its toll on anyone. Can you handle your money problems to help yourself?

Adam @ The Cheapest Cars To Insure writes What do you look for when buying a new car? – Buying a new car is quite a decision to make, so here are the things to take into consideration before doing so.

Christopher @ This That and The MBA writes Litigation History: Patent Wars Throughout Recent History – It’s easy to assume that today’s patent wars are a new phenomenon. With billions of dollars spent on litigation – a figure that, in many cases, exceeds the amount used in research and development – the scale and intensity of today’s patent litigation can seem unique in history.

Jon Haver @ Pay My Student Loans writes How to Pay Off Student Loans Fast – The principal plus the interest is the total amount of the loan. The longer you have the principal on the books, the more interest you pay, so you are on a merry-go-round for quite some time.

Irfan @ Everything About Investment writes Credit Scores: Everything You Need to Know on Scoring System and How to Improve Them – It is no secret to anybody who has ever required a loan from a lending institution that one of the determining factors is a good credit score. Credit scores generally depend on the system the lending institution uses for evaluation, and sometimes the rates may differ but one thing is sure: if you have one very good score from one of the reporting agencies, your loan is almost 100% guaranteed and no financial institution will reject your application.

Justin @ Root of Good writes 11 Tips To Finish The Year Strong – Don’t make a huge financial mistake by ignoring these 11 things you have to do before 2013 comes to a close.


Well, that’s all for the 23rd 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.

{ 2 comments… read them below or add one }

Lisa E. @ Lisa Vs. The Loans December 30, 2013 at 10:58 pm

Thanks for including my post! 🙂


MonicaOnMoney January 2, 2014 at 1:08 pm

Thanks for including MonicaOnMoney! I really appreciate the support 🙂


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