Aspiring Blogger – Personal Finance Carnival #32


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

Welcome to the 32nd edition of the Aspiring Blogger – Personal Finance Carnival. As you read this week’s carnival, I’ll be on my way to a nice snowy ski vacation. I’ve been looking forward to this for months, so I’m really excited that it’s finally here. Luckily, there are a TON of posts (as usual) to keep you occupied while I’m gone. I’ll be back in a week or so – but until then, enjoy the carnival!

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!



Pauline @ Savvy Scot writes £5 broadband AND line rental for 12 months for O2 customers moving to Sky – As you may know if you used to be an O2 customer, O2 sold mid 2012 to Sky. Meaning, you were automatically transferred to Sky for your broadband and line rental deal.

Mr.CBB @ canadian budget binder writes Can you afford to take the day off? – In order to take a full day off from work for most people that means an entire day’s loss of income. That can be tough for any budget but there are times when it must be done.

Stefanie @ Debt BLAG writes #FML Finance – There are two ways to react to F-word-My-Life moments in finance: wallow, which leads to stewing in self-pity and crippling inaction or respond strongly, emotionally, knee-jerk response, which rarely leads to good decision-making

Amy @ Money Mishaps writes When talking about Debt, do the numbers matter? In a word, maybe… – Most of the words that characterize debt are relative, to say the least. Big, crushing, manageable and others give a relative idea about the amount of debt that an individual has but the question remains; what, exactly, constitutes a lot of debt?

Andrea @ So Over This writes Saving Money on Child Care! – Here is a question for those of you with children; did you know that if you pay a babysitter or other childcare professional over $1900 a year, you have to pay employer taxes as well?

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.

Alexa @ Single Moms Income writes How to Start a Side Business in One Hour Per Day – If you have been wanting to start a side business but feel like you do not have enough time, you probably do.

Natalie @ Debt and the Girl writes Are We Spoiling our Kids on Finances? – I have a confession to make. I do not have kids. I know. Huge spoiler. That is not to say that I will not have them someday…way in the future.

Monica @ Monica On Money writes Free Valentine’s Day Gifts, #7 Is My Favorite – Looking for frugal Valentine’s Day gifts? Did you forget to budget for Valentine’s Day this month?

Jessica @ Budget for Health writes I canceled my gym membership – After 2 years at a gym I love I decided to cancel my membership and set up a new game plan to stay fit after having our baby girl January 2014.

David @ Financial Nerd writes 2014 Investor Almanac – A brief description and prediction of 2014 and its predicted success.

Bryan @ MCI123 writes Ways To Find Cheap Car Insurance – To find the best car insurance, consumers must learn it isn’t all about price. There are many factors that affect your rates and if you aren’t picking your policy wisely or adding the wrong types of coverage, naturally, your premiums will be high. In this guide, we discuss the different types of coverage available and list the most common kinds of discounts to help you compare quotes.

Mario @ Debt BLAG writes A penny saved is MORE than a penny earned (or why impulse spending is more expensive than you thought) – Impulse spending can be even worse for your budget than you think; here are three reasons why.

Gabe @ Accounting Plus writes Tax Preparation Help – Tax season is just around the corner, so make sure to file your return properly.


Hadley @ Epic Finances writes Want to Contribute to your IRA for 2013? You Still Can! – 2013 has come and gone and now that we’re in the new year many people think it’s too late to put money into their retirement accounts and get the tax savings that they can bring.

Bob @ Dwindling Debt writes Getting a Tax Lien off of your Credit Report – Part 2 of 2 – One of the most negative items that can appear on your credit report is a tax lien. The reason it is so bad is because it causes your credit scores to really take a drop.

Justin @ Edward Antrobus writes Home Equity Loans are Back Baby! – As housing values increase, home equity lending is on the rise as well, but these loans are actually still quite difficult to get.

Aaron @ Aaron Hung writes Emergency Funds in a Savings Account? Forget About It – Here on our blog we have said many times that having an emergency savings account available should something happen, like an accident or loss of job, is a very good idea and vital for all consumers.

Justin @ Root of Good writes Summer Plans – Travel The World? – One of the benefits of early retirement is having the free time to travel the world at a leisurely pace. See what adventures Root of Good has planned for this summer.


Mike @ Personal Finance Journey writes What are your Long term Investment strategies to beat inflation? – Do you have a secret stash of ideas to invest and beat long term inflation? If not here are some of the great ideas we can suggest to beat inflation!

Lauren @ L Bee and the Money Tree writes What Holds You Back from Your Financial Goals? – If personal finance truly is simple, then why do so many struggle to meet financial goals? What is holding us back and preventing us from making progress?

Pauline @ Reach Financial Independence writes The French approach to debt – We do things differently in France.Because it is so complicated and not in our habits to borrow, our only debt is generally our mortgage.

Oscar @ Money is the Root writes Should you be using Mint, the free online personal finance service? – One of the main points that we constantly try to make here on our blog is that everyone should have (and use) a budget to keep their spending in line and adequately fund their emergency, retirement and other savings accounts.

Danielle @ Saving Without a Budget writes 50 Tips to Improve Your Financial Health in 2014 – Part Five – We have 10 more tips that will help you to clean up your financial act this year and help you to meet all of your financial goals.

Matt @ Budget Snob writes Bitcoin may be innovative, but these 10 financial innovations are affecting more people right now – When you talk about innovation and technology when it comes to online / internet based payments these days, the conversation often turns to Bitcoin, the innovative new monetary system that is being used more and more around the globe.

Lily @ Paying Debt Down writes What are the best deals at your local Dollar Store? – Dollar stores are popping up like mushrooms all over the country and while they certainly are an excellent place to find good deals on a number of different things, they also happen to sell quite a bit of junk.

Charles @ Getting A Rich Life writes How We Reached A Million Before 40 – One reader questioned how we were able to grow our Net Worth significantly in 2013 despite not being much older than them. Was it from a large inheritance or because we had large salaries?

writing2reality @ Write Your Own Reality writes It Ain’t Just Money – Goals for 2014 – After a successful year of passive income in 2013, I put together my 2014 goals for passive income and a bonus blogging traffic goal!

Jeremy @ Modest Money writes Dealing With Financial Challenges – Read about how I plan to deal with some upcoming financial challenges. Instead of being stressed I’m confident I can easily tackle this situation.


Mr. Frenzy @ Frenzied Finances writes Benefits of Investing in Gold over Land: It is easier to buy and sell gold over land – All investments follow the rules of supply and demand. The higher the supply, the higher the price of an item; consequently, the lower the demand is, the lower the price will be. Land is something people have been investing in for centuries.

Don @ MoneySmartGuides writes How To Become A Stock Market Millionaire – Do you want to become a stock market millionaire? I have outlined the entire process of becoming a stock market millionaire in this post.

Ted Jenkin @ Your Smart Money Moves writes The Biggest Investment Mistake You Make Every Year – We all know that investments can be for short term, medium term, or long term.

Pauline @ Make Money Your Way writes What are Options – Today Troy continues the investing for beginners series, and now he explains that there are 2 types of options: Call options and Put options.

JC @ Passive-Income-Pursuit writes What’s been causing my frustration: Rental Proppoertunity – I believe that passive income can provide a way to eventually reach financial independence and allow one to retire early. Up to now I’ve been focused on building my dividend growth portfolio, but one of my goals for this year is to add a rental property to the mix.

Lenny @ Best Money Saving Blog writes Career changes that don’t involve getting a college degree or other big money investments – Let’s face it, whenever you hear somebody talking about making a career change it usually involves going back to school or making another large investment in time and money.

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.


Sam @ The New Business Blog writes Top 5 Mobile Signature Apps – While digital signatures have existed for a while, it is only in the last decade that they have become accepted worldwide as a legal alternative to the standard hand written signature.

Marissa @ Thirty Six Months writes How to Budget for Unexpected Expenses – This winter has been brutal. Extremely brutal. And I am not just talking about the extreme cold, but the record snowfall as well. Let’s just say that I have spent more time indoors in the last 2 months, than I have in all of 2012-2013 combined.

Jacob @ Cash Cow Couple writes Barclay Rewards – Barclay offers a great travel rewards bonus for cardholders


Maria @ The Money Principle writes Tips for first time buyers – Last week I wrote about UK housing issues following a meeting to which I was invited. A panel of experts spoke about housing with particular focus on the problems facing first time buyers. The panel was chaired by Sarah Smith from Channel 4 TV. Read more for great tips.

Crystal @ Married (with Debt) writes Moving Beyond Money – Even if things are going well for you, I’ll bet you think about money a great deal. I know I do. Here’s how to move beyond money.

Kyle @ The Penny Hoarder writes How to Save a Million Dollars Working Part-Time – So, here s the deal. All of that money-making crap you see on TV about no money down real estate, making millions with candle-stick stock trading, and free money from the government is essentially worthless.

Daniel @ Make Money Make Cents writes Understanding Budgeting Loans – If you are considered low-income and have a financial emergency, you may be able to borrow money from the government.

Jack @ Money Saving Ethics writes Is the myRA destined to be a misguided, bureaucratic nightmare? – Critics are already lining up to deride Pres. Barack Obama’s new retirement account, the myRA, saying that it will do almost nothing to help the working poor is destined to become another bloated bureaucratic system that will waste of taxpayers’ dollars by the billions.

Glen @ writes Starting A Blog – A Step-By-Step Guide – Entrepreneurship is the life blood of America’s economy and many of us long for the day to be self-employed. If you’ve ever thought about starting a blog, why not check out this step-by-step guide? Starting a blog and making money online isn’t easy and no one can promise you’ll be successful, but it is cheap and there are low barriers to entry. Learn how to start one here.


Jacob @ AllPersonalFinance writes Bogged Down With Debt? 5 Ways to Know If Bankruptcy Is Your Best Option – Debt has crippled the millions of lives in America. When you are in debt, it becomes harder to save for the future, start a family or buy a house. If you are in debt, how do you know if bankruptcy is the right option for you?

JP @ My Family Finances writes Scam Prevention Tips for Seniors – Unfortunately, there are people out there who try to scam senior citizens out of money.

Crystal @ Budgeting in the Fun Stuff writes Cheap and Easy Home Security – A raccoon or some other nighttime creature scared the bejeezus out of me a couple of weeks ago.

Bargain Babe @ writes 11 Frugal Easter Basket Ideas – 11 Frugal Easter Basket Ideas offers tips on saving money every day. Tell me what you think and if you find them useful.

Luke @ Learn Bonds writes These 2 High-Yielding Preferreds Are Worth Your Attention – Currently yielding 6.70% and 6.93%, these securities provide “real” yields and income predictability from two institutions that I have a hard time imagining would ever be allowed to fail.

Wayne @ Young Family Finance writes Lifestyle Check List: New Year, New Me – As expected with the tradition of New Year, many of us have set ourselves resolutions, all of which are designed to help improve our lives in some way. Most commonly we look at more aesthetic ways to better ourselves, we diet, exercise, clear out the wardrobe, and try to cut down on alcohol and cigarettes.

Cat Alford @ Budget Blonde writes What is Credit Card Churning? – You’ve been asking me, “What is Credit Card Churning?” so here are all the details including tips on whether or not it’s for you.

Tony @ We Only Do This Once writes Seven Painless Ways To Save Money – People find it hard to save money. Here are 7 painless ways to do it.

Debt Guru @ Debt Free Blog writes Buying in Bulk: When It’s Appropriate – Buying in bulk is a great way to save money, but it can be difficult to determine when it’s appropriate to buy in bulk. Read for tips on bulk buying!

Mrs. Accountability @ Out of Debt Again writes Just Because It’s a Business Expense Doesn’t Mean You Should Buy It – Some people who go into business for themselves do everything right from the start.

SBB @ Simple Budget Blog writes Debunking Your Budget Excuses – You have excuses for not tackling a budget. We have answers that can debunk them. Read here to get on the right track.

CAPI @ Creating a Passive Income writes Extra Help: The Dos and Don’ts of Hiring Your Next Employee – Need a little extra help? Maybe it’s time to hire a new employee. Here are some dos and don’ts for adding a member to your team.

Eva Baker @ TeensGotCents writes An Interview With Jeff Rose of Good Financial Cents! – Finally got up my second video interview! This is an interview with Jeff Rose of Good Financial Cents, he shares about his super cool part time job plus…

Roger the Amateur Financier @ The Amateur Financier writes Fun Olympic Facts for Friday – A short list of some interesting and fun facts related to the Olympics and the Sochi Olympics in particular, to start the games off right.

IMB @ Investing Money writes Investing in Cloud Storage Stocks – Cloud storage can be compared to storage boxes – it is also a potential money maker! Read here for information on investing in cloud storage stocks.

Gretchen @ Retired by 40! writes Why Do I Support A Valentine’s Day Splurge? – Sometimes, spending money is worth it!

Marvin @ Brick By Brick Investing writes Financial Wisdom – A detailed description of how to truly gain financial wisdom and free financial advice.

Jen @ My Spending Cents writes Unused Gift Cards Collecting Dust? – Dealing with unused gift cards.

Jay @ Daily Fuel Economy Tip writes Tips for Lowering your Gasoline Costs – If there is one thing that can cause a person to become fired up with emotions it is the thought of buying a new car.

Sustainable PF @ Sustainable Personal Finance writes Would You Use an Alternative Currency? – One of the first rules of investing is that you need to have a degree of diversity in your assets. That way, if something goes wrong with one asset class, you will have another asset available to pick up the slack.

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.

Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.

Larry @ KrantCents writes The Problem with College! – The problem with college is not how much it costs or how long it takes! Many personal financial bloggers talk about the value of going into debt for an expensive private university.

Gretchen @ Retired by 40! writes 4 – Home Ownership is the American Dream – or is it?

Christopher @ This That and The MBA writes How to Start a Home Business – Learning how to start a home business may be a good option for you if you want to work from home. It may not be easy to find the right home business opportunity so you need to do a lot of research before you know how to start.

Josh @ Modest Money writes 5 Ways to Save Money and Eat Healthier – If you want to save money and eat healther: Stop eating canned and frozen food, Consider the hidden costs of packaged food, Cut down on snack foods, Fight the fast food diet and consider your health an investment in itself. This will not only help your bottom line but also your waistline.

Jon Haver @ writes Financial Aid for Female Students – Certain scholarships are set aside especially for female students. Researching what is available and following up on every possibility of financial aid is worthwhile. The less debt you carry as a student, the easier your academic career will be.


Well, that’s all for the 32nd 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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