Aspiring Blogger – Personal Finance Carnival #30


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

Welcome to the 30th edition of the Aspiring Blogger – Personal Finance Carnival. After a slightly shorter carnival last week, we’re back with a FULL LENGTH version today. I guess everyone that took a week off decided to submit their posts this week – so we’ve got some great content for you to check out. I hope you enjoy!

While you’re here, make sure to read as many of the posts as you can – I know it would be difficult 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!



Jacob @ AllPersonalFinance writes How to budget and improve your finances – Trying to budget can often be a frustrating task. Maybe you’ve tried budgeting in the past but somehow you never seem to be able to keep it up? If you’re looking to improve your finances, the budgeting tips below will help. You’ll find some more unusual tips, along with a few simple and effective ways…

Pauline @ Savvy Scot writes New year financial boot camp: save on transportation costs – Do you use your car every day when you could take the bus or walk? Do you have two cars or more? Today, let’s look at how we can save on the transportation costs.

Mario @ Debt BLAG writes How I’ll save $600 by switching from Verizon to T-mobile; or How I left a T-mobile store with MORE money than I came in with without wearing a ski m – The story of how I took advantage of a T-mobile promotion which paid me to switch from Verizon, and will me save over $50 per month

Mr.CBB @ canadian budget binder writes How to handle when your spouse spends too much money – Money can easily become an issue in a marriage when one spouse spends more than the couple earns.

Jon @ Our Fine Adventure writes Save Money By Asking – If you are dealing with any type of customer service, one good thing to keep in mind – if you ask for a discount or rate reduction, you just might get it, and it could be a lot easier than you think.

May @ Messy Money writes Scrapping Household Metal for Extra Money – As a frugal experiment we began saving up our household metal and e-waste and taking it to the local scrap yard for cash. We are not getting rich off this scheme, but it helps fund the occasional indulgence. It brought an extra couple of hundred bucks into our house last year.

Daniel @ Make Money Make Cents writes Keeping these 3 Secrets from your Financial Advisor isn’t Advisable – There is an old saying that goes something like this: There are lies, there are damn lies and then there is what you tell your financial advisor.

Oscar @ Money is the Root writes Why should you join a Credit Union? – Did you know that Credit Unions usually have lower fees and tend to pay higher rates than your average bank? Nearly 1 million Americans are now using credit unions instead of traditional banks.

Jay @ Daily Fuel Economy Tip writes What’s the story behind low-rolling-resistance tires? – Car manufacturers, especially those who create hybrid cars, pay careful attention to fuel efficiency and look at everything possible to increase it. In the last few years however they have also devoted quite a bit of time to something that most people had not even thought of, tires.

Danielle @ Saving Without a Budget writes Seven Tips to Extend your Car’s Lifespan – Purchasing a new or used car is a hefty investment, and it is natural to want to make the most of your money. If you have purchased a car for the long haul, you will want to ensure that your car lasts as long as possible.

Matt @ Budget Snob writes The Good news about your Credit Score – Whether it is the interest you pay on your mortgage, your ability to get a car loan or being able to get a credit card with an excellent APR, your credit score, and making sure that it is a good one, is vital.

Jack @ Money Saving Ethics writes What is the best way to return a gift that was purchased online? – International shipping company FedEx recently released a survey that showed that nearly a third of all Americans are going to be going back and returning at least one gift this year that they purchased or received from an online retailer

Amy @ Money Mishaps writes Tips for Avoiding New (and old) Banking Fees – A recent report suggest that consumers who tend to skip over the fine print when they join a bank are usually the same consumers who get a big surprise when they find out the fees attached to the paperwork they signed when they did so.

Lenny @ Best Money Saving Blog writes Prepare yourself for Small Business Success in 2014 – as a small business owner, preparing yourself for success is something that should never stop. The thing is, there’s really not much of a difference between the end of one year and the beginning of the next.

Hadley @ Epic Finances writes The Advantages and Disadvantages of Ride Sharing – Car sharing services have taken off exponentially the world over in the past few years, with options ranging from ZipCar to RelayRides. These operate in slightly different ways. Some, like Uber or Lyft, work by allowing motorists to drive other passengers around the city for an informal taxi ride.

Andrea @ So Over This writes A New Year Brings New Beginnings – It is officially 2014, and with that comes a sobering hangover from the holiday binge spending! Sure we read the how-to tips on saving money during the holidays, but do we actually follow them?

Lily @ Paying Debt Down writes Top 2014 Money-Saving Tips – With 2013 coming to a close many people are looking towards 2014 and finally becoming financially independent. The fact is however that while 34% of us set financial goals, only 8% of us actually reach them, at least according to a study published in the Journal of Clinical Psychology that was done by the University of Scranton.

Bob @ Dwindling Debt writes Social Security and Part-time Income. What you should know – These days more Americans than ever before are going to be working past the traditional age of retirement. A recent Wells Fargo study of 1000 middle-class Americans showed that nearly 34% of them believe that they’re going to have to work until they reach the tender age of 80 years old.

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 Steps to Maximize Conversions on your Landing Page – If you use a Landing Page to attract and then send people to your website, and you are not satisfied with the results that you are getting, it is possible that the headline, body copy or your call to action are not as persuasive as they should be.

Marissa @ Finance Triggers writes Five Simple Steps to Succeed as a Landlord in 2014 – Welcome to the world of being a landlord! This is a job that comes with many perks but also carries many responsibilities. These five simple steps will help to guide you along the way to being a good landlord.

Justin @ Edward Antrobus writes Google’s New Cross-Media Project Aims to Dominate Your Waking Hours – Recently, Google’s Niantic Labs teamed up with giant publishing house Harper Collins in a bid to create a new, and better, augmented reality game that’s location-based.

Monica @ Monica On Money writes Ask the Readers: How Much $$ Do You Spend Eating Out? – Do you know how much money you’re spending on eating out? Write Down Your Guess and Save it.

Marissa @ Thirty Six Months writes The 7 Best Towns for Your Family to Relocate to – If your town does not feel very family friendly, it might be time to think about relocating. Many cities and towns throughout the U.S. offer community activities that your family will enjoy together.

Holly @ Club Thrifty writes Six Start-Up Ideas in Health and Fitness – If you are considering starting your own business in the fields of health and fitness, read this post for six start-up ideas.

Larry @ KrantCents writes Success Is Easy! – Success is easy! All you have to do is follow some easy steps. I can think back to school the first time I had a bad grade. All I had to do was listen in class, do my classwork, homework and study a little.

Natalie @ Debt and the Girl writes My Favorite (Cheap) Party Foods – Oh, delicious food! Why are you so tempting to eat? There are just too many crazy good party foods on the market today. Some are more expensive than others. I am a big lover of all things tasty in the food world but saving money is great too.

Alexa @ Single Moms Income writes Using Rental Properties for Retirement – When thinking about retirement options, is it always the same boring stock options? You know that it is important to diversify your portfolio, so why not add some good ole rental properties to the mix!

Alexa @ Defeat Our Debt writes How Does Non Profit Credit Counseling Work? – Do you think credit counseling would help with your debt pay off plan. If so, you are probably wondering how non profit credit counseling works.

Graham @ Moneystepper writes Fuel efficiency – how to improve your fuel efficiency – You may think that fuel efficiency is an after-thought when buying a car. However, from a financial perspective, the annual ROI between similar cars could be up to 59% when buying a more expensive car with better fuel efficiency.

Jason @ The Money Makers writes PRISM: Did the NSA kill privacy? – Revelations have been continuing to emerge regarding widespread surveillance tactics being internationally deployed by the United States government.

Sustainable PF @ Sustainable Personal Finance writes 3 Times it Makes Sense to Pay Someone Else to Do Something For You – Just because you can do something does not mean that you should. Here are 3 times it makes sense to pay someone else to do something for you:

Charles @ Getting A Rich Life writes 2013 Net Worth Review-A Look At My Investments – 2013 was an incredible year for all investments as the market lifted all asset classes. A closer look at all of my 2013 investment and their performance.

Irfan @ Being Investor writes Frugal Spending: What to Include in Your To-Buy List – People always find it challenging to make the most out of the money that they earn. Oftentimes, they end up with very little money, if none at all, left after all their spending sprees. The most basic financial rule is never to spend more than you can afford.

Christopher @ This That and The MBA writes Tips for Organizing an Effective but Frugal Home Budget – Making a frugal home budget is an art and to accomplish this art, one needs to have an insight to the capability of handling the finances. Organizing a frugal budget will not only be helpful to maintain a stable financial situation, but it will also indicate your financial prudence for the near future.

Harry Campbell @ Your PF Pro writes “My Latest Credit Card: The Amex Starwood Preferred Guest Card(SPG) “ – Since I’ve got a European honeymoon coming up this summer, I’ve been in full force research mode – comparing prices and figuring out how to redeem all my credit card points for free travel. We only have a limited amount of time to honeymoon during July and that happens to coincide with the busiest time of the year(and the hottest) for European travel. It can be a lot harder to redeem points during peak travel season but it is doable as long as you start planning early.

Jacob @ Cash Cow Couple writes Vitacost Review – This details the easiest way to buy health foods and supplies at bargain prices.

Sustainable PF @ Sustainable Personal Finance writes 3 Times it Makes Sense to Pay Someone Else to Do Something For You – Just because you can do something does not mean that you should. Here are 3 times it makes sense to pay someone else to do something for you:

Alexa @ Defeat Our Debt writes How Does Non Profit Credit Counseling Work? – Do you think credit counseling would help with your debt pay off plan. If so, you are probably wondering how non profit credit counseling works.

Natalie @ Debt and the Girl writes My Favorite (Cheap) Party Foods – Oh, delicious food! Why are you so tempting to eat? There are just too many crazy good party foods on the market today. Some are more expensive than others. I am a big lover of all things tasty in the food world but saving money is great too.

Larry @ KrantCents writes Would a Countdown Clock Make You More Productive? – As often as I watch sports, I sometimes forget that the clock which counts down to zero as the game continues. Does this create urgency amongst the players to perform? Perhaps, we need a countdown clock for every day of our lives to motivate us!

Monica @ Monica On Money writes How To Save Money Even If You’re Broke – If you are living paycheck to paycheck and struggling to save any money, here is an idea to start saving money, starting with just $1. You do not need to save hundreds of dollars each month to make progress.

Daniel @ Make Money Make Cents writes These 5 habits may change your financial life – Every year it is proven that most New Year’s resolutions are not kept, mainly because most of them are simply aimed too high.

Christopher @ This That and The MBA writes How to Create an Efficient Business Plan – Writing a business plan is a daunting task, but one that is essential. A well-written business plan can mean the difference between success and failure, according to Rohit Arora, a contributing writer for Fox Small Business Center.

Harry Campbell @ The Four Hour Work Day writes Would You Sacrifice Your Family Life to Make More Money? – Even though I have a pretty large online footprint(I’m currently writing for 6 sites and managing 2) I also go to a regular job during the day. A lot of people like to complain about their job or bitch about their boss, but I actually like my day job. That’s one of the reasons why I haven’t taken the leap yet to working online full time. That and the money of course; I’m pretty honest when it comes to why I’m working in the engineering field.

Mr.CBB @ canadian budget binder writes What is a high net worth? – f you believe you have a high net worth that means you have likely achieved many of the goals you have set out for yourself financially. That’s great.


Andrew @ 101 Centavos writes Try Some British Food. Tastes Just Like Chicken! – Here’s what not to say to your hired car driver in jolly old England: “You know, nobody ever says: hey, let’s go out for British food! I’ve been here over a dozen times, and never really had decent British food.” Such was the words blurted out by one American colleague from the backseat peanut gallery during last week’s trip. Discussing dinner options shouldn’t be a cultural minefield, but there it was.

Alexa @ Single Moms Income writes Stop Comparing Yourself to Other People – At one point or another we compare ourselves to others and feel inadequate. To find true happiness you need to stop comparing yourself to other people.


Don @ Money Reasons writes I think the MyRA will be a poor investment option – Read my reasoning why the myRA is a poor if not horrible investment option and instead young workers should start in a Roth IRA

Michael @ Save-Invest-Grow writes How Do You Define Success? – The post talks about defining success in today’s busy world. It looks at the concept of “early retirement” and how to set ambitious goals, while still having a balanced life.

Pauline @ Reach Financial Independence writes You Get Lucky When You’re Prepared – How does one get started in building wealth through assets? FI Fighter will help us to find better ways to build financial wealth and to have a better path to financial freedom.


Don @ MoneySmartGuides writes How To Become Wealthy – Do you want to know how to become wealthy? Then you’ve come to the right place. There are just two thing you need to focus on in order to becoming wealthy.

Pauline @ Savvy Scot writes New year financial boot camp: Choosing the best credit card for you – Today, we are going to make sure you have the best credit card to pay for all those expenses. Checking out you have the best card once a year or so can result in great savings, and only takes a quick phone call or an online application.

JC @ Passive-Income-Pursuit writes 2014 Goals – I like to set goals to help me focus throughout the year and make sure I improve on the areas I want to improve on. The key is to make sure you set measurable goals with set deadlines.

Justin @ Root of Good writes Reaching the Summit of Financial Independence – Reaching financial independence is a big goal that takes a long time to achieve. Find out how you can enjoy the benefits of wealth along the path to the top of the summit.

Gary @ MCI123 writes Types of Car Insurance Coverage – Ever wonder what every type of car insurance coverage on your policy actually protects you against? Maybe you are unsure of the details of GAP, personal injury, comprehensive, or collision coverage? Check out our comprehensive guide to learn about the different types of policy add-ons and what they means.


IMB @ Investing Money writes Investing in Crowdfunding – There is a new investing strategy that is sweeping across the world. It is called crowdfunding – is this kind of strategy for you? Read here.

Rich @ Growing Money Smart writes My Way of Analyzing Stocks – This is my way of analyzing stocks when I consider in invest in the stock market.

Chad @ The Stock Market and I writes Playing Defense – With the stock market suddenly losing it upside bias, there are a few ways to protect yourself if you want to be invested for the long term.

Jeremy @ Modest Money writes Best Peer To Peer Lending Sites Review – If you’re considering investing in p2p lending, you need to check out this review of the best peer to peer lending sites. Find out the best for you.

Erastus @ Prairie Eco-Thrifter writes What Type of Investor Are You? – Being a bullish or a bearish doesn’t really mean you know the type of investor you are. You should also know more about your lifestyle, the time you have, and the risk you’re willing to take.

Erastus @ Sweating The Big Stuff writes Start Investing, No Pity Party, No Excuses – Start Investing and stop making excuses. You have money to invest it’s only that you keep on procrastinating and if you don’t start investing today, you will loose more.

Matt @ Rising Returns writes Building a Dividend Ladder System – How to build a smart dividend ladder system to ensure a steady stream of passive income throughout the year.

Marvin @ Brick By Brick Investing writes 11 Monthly Dividend Stocks That Let You Sleep Well At Night – A detailed list of 11 stocks that pay dividends on a monthly basis. These stocks are a low risk and tax free alternative for an investor’s portfolio.

Charles @ Getting A Rich Life writes Top 5 Dividend Stocks For 2014 – These 5 high yielding dividend stocks can help you ride out any market turmoil.

Justin @ Edward Antrobus writes 3 Lame Excuses for not Investing in a 401(k) – There are plenty of justifications that people use for neglecting to invest in an available 401(k) but, frankly, very few of them are all that good. We’ve put together a list of 3 of the lamest excuses that we know for not stashing money into this excellent retirement account option.

Joshua Rodriguez @ CNA Finance writes What We Should Learn From The Down Stock Markets – In this post, Joshua talks about the great investment year 2013 was and how that changed in early 2014.


Hank @ Money Q&A writes How To Launch An Online Business On A Budget – Here are five tips to help you keep your own costs down as you build and launch your online business on a budget. When you’re launching a new online business, it’s tempting to spend a lot of money getting it going. Don’t do that!

Debt Guru @ Debt Free Blog writes College Finance: Cheaper Alternatives to Traditional Secondary Education – College a little too expensive? Here are several alternatives to college one may want to first consider before taking on crushing student debt.

Kyle @ The Penny Hoarder writes How to Get Free Money – These 16 Companies Will Give You $2,008.40 – Need some free cash? We’ve put together a list of 16 companies that are giving away free money. You can make an easy $2,008.40 in just a couple of hours.

Crystal @ Married (with Debt) writes My Net Worth Progress – With the end of the year passing, it was time to record my net worth. I only record the ending value for the year, though I do look at what the value is during the year.

SBB @ Simple Budget Blog writes Budgeting Your International Travel – From passports to money exchanges, here are some tips to prepare your budget for international travel.

Lindy @ Minting Nickels writes 9 Clever Savings for Cash Strapped Businesses – It’s a tough, tough world, you know – and for small businesses times are lean.

Pauline @ Make Money Your Way writes Make Money Your Way is 6 months old, results of the $3,000 blog income challenge – I am pleased to announce that this is a… WIN! I made $3,080 as of December 31st, here is the results of the $3,000 blog income challenge

Adam @ Money Rebound writes Who Earns the World’s Biggest Salary? – Just where do the biggest earners of the world get their money from.

Mark Ross @ Money Saving Dude writes 7 Characteristics That Successful Business Owners Have In Common – I have here the different characteristics that successful business owners have in common, and the simple reasons why you should have them too.

Marissa @ Finance Triggers writes Five simple steps to increase your disposable income in 2014 – January can be one of the most stressful months of the year, especially with financial worries following the festive period’s expensive outlays. So here are five simple steps to increase your disposable income in 2014.

Mel @ brokeGIRLrich writes Screw Spend Less, Earn More – I’ve definitely reached the end of my frugal rope – there’s only so much you can do to cut down on costs before the return on your time is just not worth it. So what’s the answer? Earn more!


Lauren @ L Bee and the Money Tree writes Goals for 2014 (and 500 words on my feelings…) – You may be thinking, “But January is almost over, why are you doing your goals now?” Well, because I wanted to take a few weeks to reflect on what I want for myself, and why.

Mr. Frenzy @ Frenzied Finances writes Couponing and Grouponing: All About Groupon – When it comes to saving money, it’s hard to beat the discounts you receive with coupons. And in the world of coupons, no company stands out like Groupon.

Roger @ The Amateur Financier writes Of Debt, The Secondary Debt Market and the Rolling Jubilee – A discussion of the secondary debt market and the Rolling Jubilee, an attempt by the Strike Debt Organization to eliminate debt, particularly medical debt.

Wayne @ Young Family Finance writes Sports Gambling: A Thing of the Past or the Future? – I’ve never been much a gambler myself, but it doesn’t mean that I am completely ignorant of the trends and happenings when it comes to betting. I will admit that much of my exposure to betting, especially sports betting comes from friends or hollywood. I remember growing up and seeing people on TV bet on games through an individual person at a bar.

Maria @ The Money Principle writes Poverty is such a waste – Poverty is hard to live through; it is also such a waste!

Mike @ Personal Finance Journey writes A generational approach to College Student Debt – An infographic showing how college debt has affected entire generations of Americans and how your debt can affect your kids.

CAPI @ Creating a Passive Income writes College Student Debt – College is a definitely a challenge for both your academic resolve and your wallet. Many graduates go through four years of grueling studies and enter a questionable job market. Today, there is another hardship added to the mix: exorbitant student loan debt. Graduates are now facing the harsh real world with the burden of heavy debt.

Lauren @ L Bee and the Money Tree writes Taxes for the Self-Employed – Taxes for the self employed are complicated, no doubt about it. Here we outline the key differences between taxes as an employee, and taxes as a business owener or freelancer.

Wayne @ Young Family Finance writes Preparing For Another Tax Season – It’s tax season! Don’t fret – here’s what you need to do to prepare for this year’s tax filing.

Suba @ Broke Professionals writes How to Cope Up with Socially Obligated Spending – Do you do socially obligated spending? Read more to find out if you do!

Luke @ Learn Bonds writes Why Treasury Rates Are Falling Again – This, like the earlier situation in Europe, could help financial markets in the United States.

Eva Baker @ TeensGotCents writes How I Chose My Major – Guest post by brokeGIRLrich! – So excited to feature Mel of brokeGIRLrich. She has paid off an amazing amount of student loan debt and shares, “How I Chose My Major”.

Ted Jenkin @ Your Smart Money Moves writes 5 Tax Tips Before You File – It’s the beginning of February and your tax documents will be piling up by the day as a new mail from your mortgage companies, banks, and investment companies…


Bargain Babe @ writes How I Negotiated 46% Off A Tailor Job – My Mom often asks me how I successfully negotiate the price of anything. She’s read my tips for haggling and my additional negotiating tips, but she can’t seem to make them work for her.

Jon Haver @ Pay My Student Loans writes Pay As You Earn Student Loan Repayment Plan – Federal Family Education Loan (FFEL) Program loans cannot be repaid using this method, but your debt from those loans is taken into account when determining your eligibility for this program. You will need to choose another repayment plan for any FFEL loans you have.

Shannon McLay @ Financially Blonde writes Financial Fitness Series – Game Week Strategies – How you can employ the work ethic of an NFL player to your finances.

Woman with a Plan @ Change the Race writes How to get organized for taxes – Doing your own taxes can be time-consuming if you aren’t organized. Here is an easy strategy for keeping your tax-related documents in order throughout the year. Start now!

Jason @ The Money Makers writes Zimmerman Wins Lottery: A Prank, but What Are the Real Odds of Winning? – Satirical reports regarding George Zimmerman have been misconstrued as factual by several media outlets, which have led to the belief that the man who killed Trayvon Martin is now a multimillionaire due to a lucky lottery ticket.

Holly @ Club Thrifty writes Park Avenue and the One Percent – As many of you probably know, Holly and I like to watch documentaries. And that’s because we are freakin’ nerds. When you are living without cable television, you tend to watch whatever you can find. Sue me.

Aaron @ Aaron Hung writes Protecting Your Money in 2014 – Most investors concentrate on one thing; their returns. It makes sense of course but the fact is that it is easy to get obsessed with ROI and percentage points.

Marissa @ Thirty Six Months writes Making Your Income Go Further – If you are on minimum wage or a low-paying salary and are struggling to make ends meet, or finding it a challenge to afford any of life’s little luxuries, you might need to think about how you can be smarter with your money.

Jeremy @ Modest Money writes The Importance of Vocabulary – Learn about the importance of vocabulary in finance. Whether through the Law of Attraction or self-motivation, word choice can dictate success or failure.


Well, that’s all for the 30th 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.

{ 1 comment… read it below or add one }

krantcents February 14, 2014 at 8:59 am

Thanks for inclusion and hosting, I really appreciate it.


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