The Carnival of Financial Camaraderie #51


Little House @ Little House in the Valley writes Swagbucks: A Way to Help You Buy Things You Need for Your Little Home – One way to pay for little extra treats for yourself or your new home is Swagbucks. Swagbucks is an Internet search engine, much like Google. Simply use it during your day when you search the Internet, and occasionally you will be rewarded with Swagbucks, usually under 50 Swagbucks, but sometimes more than that.

Penny Thots @ Penny Thots writes Not Having an Emergency Fund as a Financial Plan – Confession: I’ve never had a fully funded emergency fund and don’t plan on having one anytime soon. In my days of personal finance blogging, I’ve never really written how I feel about emergency funds. It’s not that I’m against them. It’s just that the importance of having one isn’t that significant to me. I almost thought I was alone in this line of thinking… until recently.

Lazy Man @ Lazy Man and Money writes People Making a Lot of Money Still Don’t Have Enough to Retire – Analysis from SCEPA (Schwartz Center for Economic Policy Analysis) says even the highest earners don’t have enough retirement savings. While that’s not the same as saying that they live check to check, it is noteworthy.

Jacob @ I Heart Budgets writes Cloth Diapers vs. Disposables: Cost Comparison – Cloth diapers are more eco-friendly, but do they really save you money. We have been doing cloth for almost a year, here are our results.

Steve @ Canadian Personal Finance writes Free Your Budget With These Simple Tips to Reduce Credit Card Debt – If you are like most people, you probably have a credit card or two (or three, or four) sitting in your wallet or purse. In fact, the average Canadian carries a total credit card balance of over $3,200 at any given time. While this may not sound like a lot, credit card interest payments, fees, and penalties can eat at your monthly budget, making it difficult to save money or put it towards other more worthwhile expenditures. These tips will help you effectively put a credit card debt reduction p

SBB @ Simple Budget Blog writes Common Budgeting Mistakes – Find out the common budgeting mistakes and how to avoid them to keep your budget in control.

Miss T. @ Prairie Eco Thrifter writes How to Have a Green Christmas – Your Christmas holidays don’t need to suffer at the expense of being green. There are numerous ways you can reduce your impact and still enjoy the season.

Shannon McNay @ ReadyForZero Blog writes Confessions of a Former Shopaholic: How I Broke My Spending Habits by Moving to the Big City – When I moved to a big city, my cost of living went up but my spending went down. Read on to find out how making the move helped me learn the “why” behind my spending decisions and helped me change my habits.


Robert @ Entrepreneurship & Life writes Registering Your Business as an LLC – Once you get the ball rolling on your business, you need to decide what type of legal model you are going to use for your business. An LLC is a popular way to register a business, as it is inexpensive, easy to maintain, and provides the owner with a layer of legal protection.

Grand Per Month @ Grand Per Month writes Make a Grand Per Month with Fall Clean-Up – How many people do you think enjoy fall clean-up? I think I’d go with 2% of the population (there are always a few crazies that just can’t wait to get out there and rake). The very fact that most people loathe the thought of fall clean-up tells me that there is some serious money to be made in the next couple of months.

Rod @ ROD Blog writes Ally Interest Checking Account Review – Ally Interest Checking Account is a great free alternative to traditional big bank checking accounts. Here is a list of features and disadvantages.

Peter @ Bible Money Matters writes How to Get Sponsorship to Go to a Blog Conference – Conferences can be a great way to network, learn new information, and even earn more money. But they are often pricy, and if you are just beginning or don’t have a lot of cash, the cost can keep you from attending. However, several bloggers have found their way around the obstacle of the expense by seeking sponsorship from a company.


Robert @ The College Investor writes How to NOT Get a College Scholarship – Everybody wants free money, in the form of a donation or scholarship, but very few people do it well. If you’re a high school senior or college student looking for a scholarship, follow these tips to get a better feel for how to go about asking and applying. If you’re an adult asking for some type of donation (whether for your organization or otherwise), keep these tips in mind.

Marie at Family Money Values @ Family Money Values writes My Classroom Economy – a Financial Literacy Program from Vanguard – Do you long for an effective financial literacy education for your kids or grand kids? Take a look at this unique program, available to all teachers, in all schools – free.

Everything Finance @ Everything Finance Blog writes 8 Jobs that Pay You for Just Being There – Many would like to continue their education but are concerned with adding to their already high student loan burden. One answer is to find a job that requires your physical presence, but doesn’t need your full attention.

Melissa @ Bargaineering writes Volunteer Activities that Can Boost Your Resume – Volunteer opportunities offer job seekers both a way to enrich their resume and continue to improve their job skills.

Suba @ Broke Professionals writes Highest Paying Jobs 2012 – Highest Paying Jobs 2012 is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. When I decided to go back to work in the early 1980′s, I did a bit of research to see what the highest paying and most available jobs were at the time. If found in information rewarding, so I thought I’d do likewise.

JP @ My Family Finances writes Yes. Parents Should Open a 529 Plan for Their Children – The simple fact is that if college costs continue to grow at current rates, you’d have trouble saving too much money. Don’t let the magical final number get in your way of starting a 529 Plan.

Invest It Wisely @ Invest It Wisely writes Explore All of Your Options Prior to Attending College – I have seen this first hand as an educator and I have developed a hypocrisy that is ill-fitted for my career path. I, no longer feel that a college education is the most logical step post-high school.

Robert @ Entrepreneurship & Life writes Get Out of the Home Office with a Co-Working Space – When starting a new company, you might be stuck working in a home office for a long time. While many entrepreneurs enjoy that, others get sick of the lonely feeling and isolation of working alone at home. While a company office might not be cost-effective, co-working might be a good fit.

Jeremy @ Modest Money writes How Blogging Helped Land A Sweet Job – One of my priorities with my blog was to continue to expand my website marketing skills and beef up my resume. That way, even if my blog did not produce enough income early on I would at least be able to leverage it into getting a new job. Things did work out that way, but I never would have predicted the extent to which they did.


CAPI @ Creating a Passive Income writes 5 Reasons why Passive Income is too Good to be True – Are you thinking about focusing on passive income? While it is possible, don’t ignore these warnings about passive income.

Maria @ The Money Principle writes Why I don’t have aggressive investments – I have always had good intuition for and understanding of risk. Too chicken to use this in spread betting, property and aggressive investments. Change?

Shawanda @ You Have More Than You Think writes 4 Hardcore Strategies to Torch Debt, Rack Up Cash, and Build Wealth Now – To reach financial freedom, don’t pussyfoot around your money problems. Tackle them like a boss. Go ahead: Complete online surveys.

Jason @ Live Real Now writes The Evils of a Reverse Mortgage – If money is tight and you have no prospects, a reverse mortgage may be a valid consideration. A better consideration would be to take out a traditional loan and make monthly payments out of that lump sum, or sell your house outright and move someplace more affordable.

Mr. Money @ Smart on Money writes Best Ways for Young Workers to Save For Retirement – As a young adult, there will be many financial decisions that you will make over a lifetime. These decisions will determine your financial picture that will carry you through life. One of the wisest decisions you can make is to start investing while you are young.

Robert @ My Multiple Incomes writes Do You Need a Financial Advisor? – If you think something will either drastically decrease or increase your net worth, then you might want to consider hiring a financial advisor. These events can be a divorce, marriage, death, and so on. If you are not positive about how a financial decision will affect you, then help is probably needed/warranted as well.

Jeff Rose @ Good Financial Cents writes 7 Ways To Find Free Money And Unclaimed Property Online – Indiana Jones racing through some foreign land seeking his next archaeological find is an adventure that this treasure seeker would never get tired of. Who doesn’t get excited about finding a treasure? Especially, if it’s free money! Whether it’s finding a $20 bill in the parking lot of the mall or an old bond that your grandparents bought you, it’s always a nice treat to add some cash to your wallet and get free money.

Sicorra @ Tackling Our Debt writes What is Debt Consolidation, and How Can It Help You? – When you are in debt, it can be difficult to know how to manage the situation. With so many accounts, and payments, and interest rates, it is easy to become discouraged. One way you can deal with this issue is to consolidate your debts.


Jason @ Live Real Now writes Quit Smoking: My First Frugal Move. . .Ever – We weren’t making ends meet with two kids, how were we going to manage three? I dropped my pack-or-two-a-day smoking habit. But, I’ve gone over that before. This post is about how I actually quit

James Petzke @ This Is Common Cents writes The Common Cents of the Latte Factor – The Latte Factor is an important thing for many people to take a look at in their lives.

Edward Antrobus @ Edward Antrobus writes How To Repair Window Screens – A lot of times, you may be tempted to hire a professional for home repairs, but fixing window screens should definitely not be one of them! It’s VERY easy!

Teacher Man @ My University Money writes Spending Money On Campus Food – It’s just that it’s so easy not to make lunch in the morning, and then at night there are so many other things to do. Hey, it’s just going to happen this one time anyway right?

Little House @ Little House in the Valley writes Be Handy, Save Money! – Mr. LH can take things apart, oil, tighten, fix parts then put the object back together good as new. It has saved us a lot of money in terms of not having to replace fans, vacuums, and many of our appliances through the years.

Justin @ The Family Finances writes Do-It-Yourself Saves Money – One of the most effective ways of saving money is to do routine jobs yourself rather than hiring them out.


Savvy Scot @ The Savvy Scot writes The Financials Around Starting a Blog – Savvyscot discusses some of the key decisions that you will have to make when starting a job and where it is worth spending some extra money

MR @ Money Reasons writes Frugal Weight Loss Update 210 – Another goal cross-over on my relaxed but effective weight loss program! Read how I’m down 40 lbs in less than 6 months and creating an optimal lifestyle!

TRL @ The Retired Landlord writes Traits of a Profitable Rental Property – Find out what makes a successful rental property more profitable than others. Knowing these three traits can make a huge difference.

A Blinkin @ Funancials writes How Can I Bet Against the Stock Market? – How to bet against the stock market with put options, shorting stock and inverse ETFs.

IMB @ Investing Money writes Real Estate Investing- A Viable Investment Strategy? – Find out if real estate investing is a great option for you. It may take more time, but it has a lot of benefits.

Eddie @ Finance Fox writes Saving Money on Home Renovations – Increase the value of your home or just want to make your house more livable until the housing market bounces back, home renovations are the way to go

Tushar @ Finance TUBE writes Closing On Your First Home: What to Expect at the Closing Table – Today we will talk about Closing on Your First Home: What to Expect at the Closing of your first home? Well it is such a huge investment and you might be wondering who would be represent at the Closing Table.

Todd @ Financial Mentor writes The Essential Wealth Building Principle Revealed By Roth IRA Conversions (It’s Not What You Think!) – Explains a unique and important wealth building principle using Roth IRA conversions as an example. Learn how you can accelerate your wealth plans…

harry campbell @ Your Personal Finance Pro writes Investing in I Bonds: An Intro to I Bonds for Young Investors – Believe it or not, the money in your savings and checking accounts is actually losing money. It doesn’t even matter what bank you have. Whether you bank online, or brick and mortar; they’re all losing money due to inflation. Inflation usually won’t appear all of a sudden, but it can systematically eat away at your returns over time.

Jon the Saver @ Free Money Wisdom writes Protection for your Money – Protection of money is not exactly a hot topic these days. Heck, most people don’t even save their money! Use some fundamentals to ensure that your money stays safe.

PITR @ Passive Income To Retire writes Real Estate Limited Partnership – Limited partnerships can be quite confusing. Find out the basic qualities of a limited partnership and the benefits of a real estate limited partnership.

Kanwal @ Simply Investing writes Which Company Has Increased Their Dividend Over 1000%? – In late 2002 this stock was selling for about $15 to $18 a share, and the dividend was $0.19 per share. Remember a dividend is a cash payment made to all share holders. So if you bought 500 shares in this company back in 2002 for $15 each, you would receive $95 (500 shares x $0.19) in dividends just for owning those shares.

Sustainable PF @ Sustainable Personal Finance writes Landlord Issues: Things to Consider Before Buying a Rental Property – Our Old House When I bought my first house in late 2004 I did so intending to use the basement area in the new addition as a room rental.

ETZ25 @ Entertainment Timez writes Biking For Charity – Triple Win – Read how my family goes biking for charity every year and how this year, I got to go too! I view the form of entertainment as a triple win!

Passive Income Earner @ The Passive Income Earner writes Understanding a Reverse Mortgage – For some reasons, I am hearing more and more about leveraging a reverse mortgage as a retirement plan. I wanted to understand the details of a reverse mortgage and share my findings with you.

Evan @ My Journey to Millions writes My Favorite Trigger Signals – The good news is that most opportunities on the stock markets are as visible as Black Friday Sales!

Ashley @ Money Talks Coaching writes Too Hard To Save? – On the way home from the bloggers conference I sat in the middle row between two guys.

Beating Broke @ Beating Broke writes Lending Club Update 3Q2012 – Lending Club is a great tool for making some very nice passive income. I’ve been using my account to invest some funds and see what I can do as far as a return, as well as to learn more about the service and what can be done with it.

Young @ Young And Thrifty writes Should You Invest In Apple? – I love Apple and have pretty large exposure to it. Now some of you who’ve been around here for a while might be scratching their heads. After all, how can a guy that has an ETF eBook sign up on the right hand side of his blog suggest a specific stock to buy?

Investor Junkie @ Investor Junkie writes Personal Capital Referral – Get $10 When You Signup – Get $10 when you signup with Personal Capital. I’ve reviewed Personal Capital before and like their service. Right now I think they are the best online app available. In my opinion, they have the chance to really become the premiere online financial app. They are similar to, but more focused on retirement planning and investing.

Steve @ The Loonie Bin writes Video on Dividend Investing – I really enjoyed learning how to make these videos and as you can tell from my first one, I’m getting a little better at it. The written word can be entertaining, but I’ve always enjoyed animation and find it’s such an amazing way of expressing yourself.


krantcents @ KrantCents writes Plan for the Unexpected! – What do you do when the unexpected happens? Things happen and you cannot do much about it. You cannot plan for every expense, but you can plan for the unexpected! You can set aside savings for the unexpected as an emergency fund. Things happen such as illness or your car breaks down.

Roger the Amateur Financier @ The Amateur Financier writes Guest Post – How to Earn More Money – There’s a lot of ways you can improve your financial situation. Most of the time, blogs like this focus on how to save money or invest your savings to earn more money. But it’s also possible to earn more money if you know what to do.

Sam @ Money Management Blog writes My Boss’s Clients Lose Thousands Because They Don’t Know this Tax Tip – Learn how pre-tax accounts might just save you tens of thousands of dollars.

Deacon @ Well Kept Wallet writes Why it Pays to Check Your Cell Phone Bill – This might be a shock to you, but there can be charges on your cell phone bill that you never authorized. The other day I was going through our bill and I discovered that there were charges for $9.99 from two different companies that I have never heard of before.


Jen @ Master the Art of Saving writes Earn Money Online: BeRuby – BeRuby is another place for those who wish to earn money online. Read about this great option!

Wayne @ Young Family Finance writes Prepaid Cards – The Perfect Gift? – Are you looking for the perfect gift for someone? Whether it is for Christmas or for their birthday, you have many options. A few years ago, you were left with very few options. It was either a specific item that you made or purchased OR cash. That was it. Only a couple options.

Amanda L Grossman @ Frugal Confessions writes Nuggets of Information I Took Away from Popular Financial Books – I used to think that I needed to soak up every piece of information and tip that came my way—otherwise, I was wasting my time and potentially someone

Debt Guru @ Debt Free Blog writes Getting Used to Debt – Find out how and why people grow accustomed to debt and ways you can pay off your debt as soon as possible.

TDB @ Tax Deduction Blog writes Are Flexible Spending Accounts worth it? – This is just what we need … one more thing to stress about in our lives! I’m talking about the flexible spending account, happily, not available to everyone. In the twisted tangle of rules and regulations that is the federal tax code, the flexible spending account (FSA) can really sneak up and bite you in…

Corey @ 20s Finances writes Actual Cost of an iPhone 5 – The iPhone 5 has hit the markets and is ready for consumers. Have you calculated how much it will cost you to own the iPhone 5?

Tushar @ Start Investing Money writes Investing in Egypt’s future – With Europe and the USA facing huge economic challenges and barely registering any meaningful growth, investors around the world are looking more and more at alternative markets in which to place their capital.

SFB @ Simple Finance Blog writes Do You Really Need Quicken? – What are the advantages and disadvantage of Quicken? Is it better than free online tools like Mint? Who will be best benefited by using Quicken?

Jennifer Lynn @ Broke-Ass Mommy writes The Saving Conundrum. Are Savers Financial Losers? – Well are Savers also financial LOSERS? Read more to find out, perhaps you’ll be surprised!

Luke @ Learn Bonds writes Reading the Signs in the Current Bond Market – Investors are currently facing difficult choices: lower their expectations and/or take more risk. Is this the solution?

Kyle @ The Penny Hoarder writes Finding The Best Credit Card Rewards – There are a lot of places that claim to know the best credit card for rewards, but the truth is that the best rewards for credit cards are truly up to the individual who uses them. The reason is that each person values things differently.

Daniel @ Sweating the Big Stuff writes Lifestyle Inflation – What To Consider Before Telling Yourself Yes – Thinking about upgrading your gadgets? Ask yourself these 5 questions before you take the plunge.

Daisy @ Add Vodka writes My Expensive Rescue Dog – We got F, our “new” rescue dog about a month and a half ago and she has been great. She fits right into our little family and gets along great with our other dog, T.

Aloysa @ My Broken Coin writes Why I Chose To Live in a Small Home – Our homes tell our stories. They tell us who we are, what we value, what we care about, who we love, and what we dream about. Our homes expose who we are. About a month or so ago, I finally admitted to myself that our one-bedroom condo is a perfect place for me. It probably comes as a surprised to some of you because you know me as a spender and a shopaholic. Read my thoughts as to why I choose my small house!

PPlan @ Provident Plan writes Does God Want You to Drive a Hybrid? – Hybrid cars are becoming increasingly more affordable and popular. Find out why you should consider buying one.

Jason @ Work Save Live writes What Does Life Insurance Cover? 4 Ways to Help Your Legacy – Today’s post will be a little different as I’m going to integrate video for the first time ever here on WSL! So, before you skip down to today’s post, please take 1 minute and watch the video below: What Does Life Insurance Cover?

Jester @ The Ultimate Juggle writes DIY Home Repairs – I am no carpenter. I grew up in a time where my Dad told me it was worth my time to bring my car to the shop instead of try and fix it.

Don @ MoneySmartGuides writes Being Frugal and Dating – Being frugal and dating is hard to do. It’s a fine line that you have to walk. Step too far to one side and you come off as cheap.

Corey @ Steadfast Finances writes The Cost of Raising a Child – Raising children are expensive. You should consider ALL the costs before jumping in with both feet.

Hank @ Money Q&A writes Three Things You Have To Do Immediately After Selling Your Car – I sold my beloved BMW this past weekend. There were a myriad of reasons why ranging from maintenance costs, love of driving, lack of car payment, lower insurance premiums, smaller gas bill, looking for something fun, and a host of

Ted Jenkin @ Your Smart Money Moves writes How Much Does That Tooth Cost? – My son is now at the age when the baby teeth start falling out. I forgot how exciting this event is for kids.

Crystal @ Budgeting in the Fun Stuff writes Closing Costs for a New Home – Here is Your Arm and Leg… – We are closing on our new house in a couple of weeks. Here are our closing costs and what we will have left in our emergency fund.

John @ Married (with Debt) writes Threats to Debt Freedom – The biggest threat to debt freedom is…going back in debt, and that’s one of my biggest worries now that we are debt free (minus the house). I don’t plan on going out and borrowing any money in the near future, but I guess that’s the idea.

Veronica Hill @ Pelican on Money writes How To Get Out of Unemployment Depression – If you’ve ever faced unemployment for an extended amount of time then you know how terrible it feels. I went through the same ordeal and learned a few things along the way.

J.P. @ Novel Investor writes Your Projected 2013 Federal Income Tax Brackets – Before this year ends one of several scenarios will play out. Until then we can estimate what the 2013 federal income tax brackets will look like under each scenario.

Cash Flow Mantra @ Cash Flow Mantra writes Getting Started on Taxes – Even though I have an accountant fill out all the forms and prepare my taxes, I learned several years back that it is important to know the tax code (as best as it can be known by any individual) and to communicate your situation effectively. It is also important to have a rough idea of what you might owe and why.

Have a great long weekend everyone!


Justin is the co-owner and grammarly impaired author of My University Money and Young and Thrifty. If you like what you read, consider signing up for email updates.

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