Carnival of Financial Camaraderie – Olympic Hockey Edition

Welcome to the Carnival of Financial Camaraderie, a collection of personal finance posts from across the web.  This carnival is hosted every second week by My University Money and you can submit articles at Blogger Carnivals or Blog Carnival HQ.
In honour of the stellar performance of the Canadian Olympic hockey teams, I thought this would be a great opportunity to turn your attention to another Canadian award.  Modest Money is hosting the 2014 Top Canadian Finance Blog poll.  Please take a minute to visit and vote for your favourite Canadian Finance blogs and help a blogger “take home the gold.” Wishing both the Canadian and US hockey teams the best in their final games. On with the carnival and happy reading… Lots of great personal finance articles here.  Jump to a Category: Budgeting Business Career & Education Financial Advice Frugality Investing Saving Other BUDGETING 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 David @ Financial Nerd writes 2014 Investor Almanac – A brief description and prediction of 2014 and its predicted success. 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. Jon Haver @ http://www.paymystudentloans.com/ writes Extended Student Loan Repayment Plan – You can choose between graduated or fixed monthly payments – graduated payments start out low and gradually increase over the life of your loan, while fixed payments are the same amount each month. Little House @ Little House in the Valley writes Can You Save Half Your Income in an Expensive City – Can I save half my income in an expensive city? The answer is definitely yes, but not if I want to keep my standard of living the same. top

BUSINESS

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. top

CAREER & EDUCATION

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.  top

FINANCIAL ADVICE

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!

Michael Kitces @ Nerd’s Eye View writes Retroactive Portability For All Widow(ers) Going Back To 2011 – When a spouse passes away, the survivor is entitled to carry over the first spouse’s estate tax exemption. However, this “portability” rule requires that an estate tax return be filed, which many didn’t know about until it was too late. Now, the IRS is temporarily allowing all widow(ers) to go back as far as 2011 to file the required paperwork and claim portability! 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. 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. 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. 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. 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 @ 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. 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. 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. Gretchen @ Retired by 40! writes 4 Reasons Not To Buy A House – Home Ownership is the American Dream – or is it? 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. Jon Haver @ http://www.paymystudentloans.com/ writes Student Loan Forgiveness For Teachers – Becoming a teacher can be a costly – and let’s face it – a less than lucrative career path. This means that the process of repaying student loans can be incredibly difficult and lengthy. However, there are many grants available to students pursuing careers in teaching that can offset the costs of their education. Miss T. @ Prairie Eco Thrifter writes I’m Not Going to My Best Friend’s Bachelorette Party – Let me say this, ALL “OBLIGATIONS” ARE A CHOICE. You are the one who decides whether or not something is an obligation. Yes, there are societal, cultural, and peer expectations and pressures, but at the end of the day, the decision is yours. Harry Campbell @ Your PF Pro writes The Cost of Being a Groomsman – A lot of the wedding related articles I read have to do with how the bride and groom can save money on this or that but not many of them talk about how much it’s going to cost other people. Harry Campbell @ The Four Hour Work Day writes Are you Afraid to Take a Vacation? –  Since I just started a new job, I wasn’t sure if it would be a good idea to take 3 days of vacation within the first three months of being hired. Even Pauline @ Make Money Your Way writes How to Set Rates for Your Side Hustle – Harry talks about how to set your freelance and side hustle rates when you get started working on your own. Pauline @ Savvy Scot writes The Importance of Discussing Finances with your Partner – How important is discussing finances with your partner? Discussing your financial present is the first step towards establishing a good financial relationship. top

FRUGALITY

Emily @ Evolving Personal Finance writes My Inappropriate Reaction to Being Asked, “Do You Coupon?” – I made the mistake of shutting down an acquaintance for asking if I coupon when he found out I blog about PF. I hope he’ll still talk with me about money later on! 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? Bryan @ MCI123 writes How To Compare Car Insurance Quotes – To find the best car insurance, consumers must learn it isn’t all about price. Pauline @ Reach Financial Independence writes I am a killer! (and costs of eating your own food) – I don’t know if I am really proud of it, but kind of, so yay for being a killer I guess. And today I am a killer! (and costs of eating your own food). top

INVESTING

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.

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. 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. 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. 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? 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. 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! top

SAVING

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. 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.

Josh @ US News 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. Skint in the City @ Skint in the City writes Lessons from the Tooth Fairy – Turning the Tooth Fairy into a lesson on personal finance! Jacob @ Cash Cow Couple writes Barclay Rewards – Barclay offers a great travel rewards bonus for cardholders top OTHER

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! 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. Bargain Babe @ BargainBabe.com 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. 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? 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. 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…

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. 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. 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. 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. Dominique Brown @ YourFinancesSimplified writes Set Your 401k on Fire: Easy Tips to End Up with More – Right about now is when many people pull out their 401k statements and sigh in despair.

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.

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.

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. Hayley @ A Disease Called Debt writes The emotional stages of debt: Passion – It seems nearly impossible for anyone to feel passionate about paying down debt doesn’t it? Yet, if you have your lightbulb moment about just how much of a burden your debts are and you are determined to get rid of them for good, you will surely feel this emotion at some point along the way. Hayley @ A Disease Called Debt writes Why having secret debt is a bad idea – Secret debt is a senstive topic with many people keeping secrets from their partner about how much debt they’re in. This post explains why having secret debt is a bad idea. Brock Kernin @ Clever Dude writes Proof That You Can Sell Anything On Craigslist – Do you have something you don’t use anymore, but don’t think anyone else will buy it? Think again…. top Thanks for visiting.  If your article has been included, please remember to link back and promote the carnival.

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