Happy to be hosting my first carnival, hope you guys enjoy! Feel free to drop by and say hi.
Alexis @ FITnancials writes Handling More Than One Job – Handling more than one job is definitely a lot of work. It makes me really miss the days back in high school when I was working part-time a few hours a week.
Michelle @ Diversified Finances writes Should you get rid of all debt for financial independence? – Debt doesn’t always mean the same thing for everyone. Some categorize debt as good or bad and place a lot of value on interest rates. Some think that all debt is bad and must be paid off. So does a person eliminate all debt before they declare that they are financially independent?
Michelle @ Making Sense of Cents writes Are you spending more? Better off today than before? – I keep seeing articles about how the economy is rebounding. It sure does seem like it is: home sales are rising, people are buying cars, more people are going out to eat and so on.
Emily @ Evolving Personal Finance writes How Emerging Is Your Adulthood? – How many of the five markers of adulthood have you completed and did your finances delay any of them?
Michael @ Financial Ramblings writes Applying for a Handful of New Credit Cards – An overview of my recent card application activity. As an aside, if you run a business (no matter how small), business credit cards give you another avenue for maximizing your signup bonuses and ongoing rewards.
CAPI @ Creating a Passive Income writes Why Spending Less Than You Earn Will Save Your Life – There are benefits for someone spending less than they earn: they have the money needed for paying their bills and they’ll be able to plan their finances.
Kyle @ The Penny Hoarder writes Millions of American Homeowners Could Refinance and Save with HARP – An estimated 2.7 million American households could refinance to today’s mortgage rates (which are near historic lows, in case you haven’t been paying attention) through the gov’s HARP program.
Daisy @ Suburban Finance writes 5 Things You Can Stop Paying For – You probably shouldn’t do everything you read on the Internet, but trust me here. If you’re spending money on these things, you probably shouldn’t be. Take all of these suggestions with a grain of salt. No one should give up a hobby if it brings enjoyment(unless it is just plain unhealthy).
Mike @ Personal Finance Journey writes 5 Thrifty cleaning habits everyone should know – 5 simple and easy Thrifty Cleaning habits everyone can adapt to which can save money, time and make life easier.
Crystal @ Budgeting in the Fun Stuff writes Even Meat is Negotiable – Everything is negotiable. Even frozen meat. Have you ever bought anything off of a frozen meat truck? I hadn’t either until last November and yesterday.
Mel @ Mel’s Money writes How To Avoid Being Scammed Over The Internet – Most of us always want more money, but at what cost? Would any one go as far as stealing it from another? Internet scamming is growing in popularity don’t let them fool you.
Debt Guru @ Debt Free Blog writes Using My 401k Now: Is it Possible? – One of the most common questions that people ask concerning their 401k is whether they can take out the money in it and use it. It’s something asked not just by those who are about to retire but even those who have a long way to go. It is not surprising that a lot of people would be wondering about it since the money in the plan is their own.
Green Panda @ Green Panda Treehouse writes Two Types of Characters to Avoid at Your First Job – These are the types of people you need to avoid when you head into the workplace.
Martin @ Studenomics writes The Ultimate Wealth Building Plan to Be Damn Free by 30 – How to be financially free by 30!
Pete @ Intelligent Speculator writes The Risk-Reward Ratio On Apple Makes It A No-Brainer – Why you should invest in Apple.
Ray @ Squirrelers writes 5 Financial Lies People Tell Themselves – Quite often, many of us tend to rationalize different things. Some of these can end up being lies that we tell ourselves, including some involving money. This post shares 5 of them.
SBB @ Simple Budget Blog writes Reintroducing Yourself to Your Budget – Having trouble managing your budget? We all make mistakes. Read here for tips on how to get back on the budget horse when you fall off.
Maria @ The Money Principle writes Does your money nourish your life? – Does money nourish your life? This article suggests three strategies to make sure that it does.
Minimalist @ Minimalist Finance writes Should You Cut Coupons? – Should You Cut Coupons? has been published on Minimalist FinanceCoupons have been around forever, and they can be a good way to find savings on everyday products. Coupons used to have a stigma attached to them, but there has been some recent media attention on the power of coupons.
Suba @ Broke Professionals writes We Bought a House! 5 Tips If You’re House Hunting, Too – It’s been a long time coming, but we finally bought a house. But the housing market isn’t what it was five years ago; here’s how to navigate today’s market.
PPlan @ Provident Plan writes Why Businesses Should Incorporate a Recommended Code of Conduct – Back in the 1980s, one of the things that became quite popular in a number of corporations was to have a neatly typed and laminated Recommended Code of Conduct.
Gary @ Gajizmo writes Highest Paying Jobs – A potentially high salary can be a very compelling reason to take up a specific college degree or occupation. Though CEOs regularly get criticized in the news for excessive compensation, accordingly to the BLS, there are other careers that average higher pay. Here is a list of the highest paying jobs, job requirements and descriptions, average salary figures, and the number employed in the field.
Dividend Growth Investor @ Dividend Growth Investor writes Dividend Growth Investing is a Perfect Strategy for Young Investors – One of the most common misconceptions about dividend investing is that it is not a good strategy for building your nest egg, and therefore it is not suitable for younger investors. Being a youngster myself, I (not surprisingly) disagree.
Don @ MoneySmartGuides writes Getting Married and Combining Finances – I could have made up a “fake” Reader Writes post from a guy name Juan, but I figured that most of you are smart enough to figure out that Juan was really me hahaha!! As you may or may not
Hank @ Money Q&A writes Your Credit Rating: Knowing How It Works And How To Improve It – Applying for a mortgage, personal loan or even some credit cards can take a while.
SFB @ Simple Finance Blog writes Student Loan Consolidation – Should you consolidate? – A nice way of financing education is by taking up student loans, but despite the fact that they are very helpful, there also remains a responsibility on your shoulders that you need to pay them back.
BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WEALTH IN LIFE AND DEATH – The rules of wealth include living life fully. Lessons learned from loss.
MMD @ IRA vs 401k Central writes Taking Full Advantage of Your 401k Employer Match and Getting Free Money! – Not participating enough to get the full 401k employer match is like leaving money on the table. And why would you want to pass up FREE money?
Ryan @ Cash Money Life writes Top 7 Common Investing Mistakes to Avoid – Even smart investors make mistakes sometimes. We show you the most common investing mistakes to avoid, helping you grow your investment portfolio.
MMD @ My Money Design writes Want Some Financial Motivation? Get Off Your Computer and Go Outside! – Stop reading this. In fact don’t read anything else. Reading these blog posts won’t give you financial motivation. You know what will? Going outside.
Robert @ The College Investor writes Why Portfolio Diversification Isn’t Dead – A key component of a well-performing portfolio has always been, and will continue to be, diversification between asset classes. In the last 5 years the effects of economic globalization have increased correlation between traditionally different assets and caused portfolio diversification to lose favor among many investors. But diversification remains a critical component of investing that has a direct influence on your portfolio’s returns.
Robert @ My Multiple Incomes writes The Use and Abuse of Special-Purpose Entities in Debt and Finance – This article looks at the use – and potential abuses – of special purpose entities in the debt and finance sector. These entities are often known as being smart ways to raise debts, but they have also come under recent sharp scrutiny, particularly following the Enron scandal.
John @ All Things Finance writes Will Mortgage Interest Rates Keep Rising and How Does It Affect Me? – Mortgage Rates Surge to 4.625%, Largest Weekly Increase in 50 Years! So What Caused This? What is the Impact of Rising Rates on Buyer Affordability?
Robert @ Entrepreneurship Life writes Setting Up Your Small Business Email – When you start a new business, it is important to put your best professional foot forward. Part of that process is using an email address that is better than email@example.com or firstname.lastname@example.org. When you start a business, you should setup a professional email address. Here’s a basic guide to get started.
Robert @ Kids Ain’t Cheap writes Choosing a Baby Name – his task can be both fun and daunting as friends and loved ones all give their two-cents. As you wade through the seemingly endless sea of possibilities, there are a few factors to consider as you hunt for your favorite name.
Wayne @ Young Family Finance writes Tips for Starting An Online Business – If you have considered starting your own online business, you probably have many questions on how you should start the process. There are many online businesses that are thriving, so starting one shouldn’t be too hard. Starting one that works, however, is a different story. A few tips and tricks can help you make the most out of your online business.
The Boss @ Like A Boss Blog writes The eBay Way To A Clutter Free Home And A Healthier Bank Account – Clearing out unwanted items can become quite a tedious task, so why not turn it into a money making mission and see if you can sell your unwanted items through eBay.
Jon @ Novel Investor writes Create A Stock Watch List – With a watch list, you create a personal list of “best stocks” to own when the price is right. Then, when a stock drops on some short-term bad news, you can pick it up for a steal.
Tony @ We Only Do This Once writes How Much is Really Necessary? – I feel lucky to have the chance to ditch my stuff and live simply. I always return home and try to bring the simplicity back with me. I have a lot more to do, but it’s the process that I enjoy, and I’ll keep trying.
Roger the Amateur Financier @ The Amateur Financier writes 25 Pieces of Life Advice for High School Graduates – A few pieces of advice for high school graduates to help them as they go out into the world, handling things like college, jobs, money, and life.
LaTisha @ Young Finances writes How Young Adults Can Budget for a Wedding – Getting ready for a wedding is an expensive undertaking. There are ways to reduce the cost of a wedding, especially if you are a young adult getting married.
Crystal @ Married (with Debt) writes I’ve Spent $7698 So Far in June – As of this writing, June has one more day left in her before she dies, and I’ve already spent $7698. Here’s how that happened…
Daniel @ Sweating the Big Stuff writes Cheap Date Series: Flask At A Bar – Here’s a cheap date story of a guy who left a bad first impression and made the girl pick up the tab!
Corey @ 20s Finances writes The Best Conservative Investment Portfolio – Conservatism generally follows a short-term need for funds. Seniors have conservative investment portfolios because they will withdraw funds each year to buy essentials. 20-somethings saving for a home use conservative savings accounts or CDs because they intend to use the funds for a down payment in the future.T
JP @ My Family Finances writes Mortgage Lending Up by a Fifth! – Getting a mortgage has been a notoriously tough gig in recent years, with lenders’ criteria being tighter than ever.
Brent @ PersonalFinance-Tips writes Your Options for Insolvency – The true definition of insolvency is when someone is unable to pay their debts. No one has to stay insolvent and there are a few options available to help. The two more popular options are to get a higher paying job or get on a budget and spend less. The following are a few tips to help those who are currently insolvent.
Tushar @ Start Investing Money writes $1,000 Bonus: Should You Spend Or Save? – We all like the idea of getting a bonus injection of cash, wherever it might come from. While it may not happen too often, this fact in itself means when it does come, it can result in some troubling questions.
Ted Jenkin @ Your Smart Money Moves writes Entrepreneur Series – Lesson 3 – Know Your Role As The Owner – As an entrepreneur starting a new business, you often have to wear the hat of cook, dishwasher, accountant, and general manager.
Lauren @ L Bee and the Money Tree writes “Leaning In” to your Finances – Leaning in to your finances, careers, and relationships is way easier said than done, but it is so necessary.
krantcents @ KrantCents writes Should I Refinance My Mortgage? – When does your bank call you and offer to refinance your mortgage for a lower rate? Until last week, I would have answered, never! I have a fixed rate mortgage that I am paying off it off in four (4) years why should I refinance? The bank offered to lower the interest rate and pick
IMB @ Investing Money writes Why the Sudden Jump in Mortgage Rates? – Mortgage rates that had remained stable jumped ½% to 4%. Did we hit bottom for mortgage rates? Several factors are at play when we try to find answers.
Adam @ Money Bulldog writes The Patent Shuffle ~ Make Money from Patents – : Find out how one company was able to sue Apple for around $8 million dollars due to patent infringement and also discover how you could one day do the same! Do You Have a Great Idea?
Adam @ Money Rebound writes Realistic Ways to Slash Your Student Loan Debt – If you’re currently struggling to pay down your student loans, here are some ways you can do so without resorting to any extreme cheapskate behaviours.
Jason Hull @ Hull Financial Planning writes Conditioner for Monkey Brain – While you can’t make yourself drool like Pavlov’s dogs when dealing with your money, you can use operant conditioning to improve your personal finances. This article explains how to take advantage of B.F. Skinner’s classic research and apply it to your wallet.
Erinn @ Association for Women in Science writes The Real Answer to Miss Utah’s Pageant Question – What does Miss Utah’s flubbed pageant answer have to do with finances? More for young adults just getting into the job market than anyone else, what she should have answered is a telling story for the likely future of young workers and their salaries.
David Leonhardt @ The Happy Guy writes Why to NOT change insurance companies – One of the standard tenets of living frugally – almost like a secret handshake – is to always shop around, to always seek a better deal and to never be afraid to switch suppliers for a cheaper source. But sometimes loyalty pays. This report is from my most recent experience.
Amanda L Grossman @ Frugal Confessions writes My 7 Favorite Frugal Hacks – I have been in the business of frugality for many years, starting in my early teens when I began to earn and manage my own money.
Jacob @ AllPersonalFinance writes Upside-Down on Your Home? Five tips to help – It has been estimated that anywhere between 10 and 25 percent of all homeowners are currently underwater on their homes. This data means a significant portion of Americans owe more on their homes than they could sell them for. If this situation sounds familiar, you’re probably wondering what your options are. Here are five ways.
Nick @ A Young Pro writes How Much Money Should You Spend on a One Year Old’s Birthday Party – How much would YOU spend on your one year old’s birthday party. We recently went to a crazy party and I’m wondering why we feel the need to spend so much.
Lynn @ Wallet Blog writes Selling a Domain Name with Escrow.com – While it should never be recommended that domain-name speculation is a no-risk avenue toward untold profitability, it has been known to happen.
John S @ Frugal Rules writes Ways to Save Money on Health Care if You are Uninsured or Underinsured – Health care costs are no doubt out of hand. However, with some diligent planning and wise decision making you can get many of your health care needs taken care of and save money in the process.
Ross @ Wallet Hub writes Find out what transfer taxes are and how they work. – What are transfer taxes?
Mr. Frenzy @ Frenzied Finances writes Google It Before Getting It: The Perks of Online Shopping – Online shopping lets customers browse goods in their home and have products delivered to their door. Read here for more benefits of this shopping method!
Money Soldiers @ Money Soldiers writes Use Vehicle Equity Loans Responsibly – If a vehicle equity loan is used in the right manner, it would actually help in boosting the borrower’s FICO score. Be smart and thoughtful before you go for a pink slip loan, such as a vehicle equity loan.
Chris Topher @ This That and The MBA writes Handling a Financial Windfall – If your financial house is in order, perhaps the best avenue is to indeed invest your money. However if you have high interest debt, it is recommended you pay this off first, followed by an emergency fund, and then saving for any large expenses that are looming.
Dollar @ Easy Extra Dollar writes Making Extra Income Instantly in a more Easy Ways – Many internet entrepreneurs asked themselves that very same question. In fact a lot of them have gotten sidetracked away from their solid wealth building plan, searching for get rich quick schemes. This can cause a lot of frustration, wasted time, wasted energy, and false hopes.
Lance @ Money Life and More writes My Redbox Secret – Use Promo Codes Multiple Times – If you play the game right you can almost always get Redbox rentals for free. Let’s start with the basic free Redbox movie strategy and then we’ll move onto the more complex strategies.
Penny Thots @ Penny Thots writes Needs Vs. Wants – This is the main reason why we as a group don’t save money, either for an emergency or for retirement. We are starting to view everything as a need and not a want. To be financially successful, you need to understand the differences between the two. If you don’t you will simply continue to live in the revolving realm of living paycheck to paycheck.
Little House @ Little House in the Valley writes Housing Market Predictions, 2013 – Based on what I am seeing, what I know, and how the housing market is soaring in my own neighborhood, I predict an increase remaining throughout 2013 and then come second or third quarter 2014, another dip in prices to better reflect the “real” prices of the market. By the end of 2014, I’m guessing the market will finally stabilize and prices will remain flat for a while, especially if interest rates continue to inch up.
Melissa @ Minting Nickels writes 5 Ways to Make Money with Your Car – Cars offer great independence, but they can also cost us quite a bit. From the seemingly never ending rise in gas prices, to monthly lease or loan payments, to auto insurance, to regular maintenance and routine repairs, our cars cost us. However, there are plenty of ways that you can make money from your vehicle. Consider these five ways:
Investor Junkie @ Investor Junkie writes How to Read a Financial Statement – If you want to be a successful investor, there’s one absolutely critical skill you need to acquire, and that is the ability to read a financial statement. This is particularly important if you trade individuals stocks.
Irfan @ Everything About Investment writes Conquering Debt Fast – 4 Daily Tips To Help You Pay Off Your Debt – The burden of living with debt can weigh heavy on consumers who feel like they have no options. If you are a person who has problems making ends meet each month due to the bills you have to pay, then there are daily tips you can follow which will help relieve some of that stress. By taking matters into your own hands, you can start to climb out of the financial hole you have dug.
Mr.CBB @ Canadian Budget Binder writes Financial Independence may only exist once we get there – There’s no reason why a dream can’t become a reality but setting the stakes too high may result in retirement failure. You never know what the future holds but if you live in a dream world you may never reach financial independence.
Glen Craig @ Free From Broke writes Is It Worth Buying Life Insurance at Walmart? – Walmart is now offering life insurance policies to customers through MetLife. But are they worth buying?
Steven @ Canadian Personal Finance writes Amazon.ca Rewards Visa Card Review – Amazon has a nice Canadian credit card issued by Chase bank. I look at it as a cash-back card for heavy Amazon shoppers. It is a nice 2nd card to have to avoid foreign transaction fees.
Daniel @ Sweating The Big Stuff writes My Letter To The IRS Disputing Their Insufficient Funds Charge – The IRS took $210 out of my refund. Here is my response requesting them to review and reconsider.
Jessica Moorhouse @ Mo’ Money Mo’ Houses writes How to Keep Positive While Unemployed – Sometimes the only way to further your career is to take a leap of faith, move across the country, and job hunt like crazy. Being unemployed while looking for a job is never easy, but there are a number of things you can do to stay positive until you land your dream job.