Welcome to the Carnival of Financial Camaraderie featuring articles on financial topics from around the web. It’s the end of another year and that is a great time to sit back and assess how you did financially in 2013 and put together a solid plan for next year.
Lot’s of great reading here. Enjoy! Wishing everyone a prosperous 2014!
Daisy @ Suburban Finance writes The Cost of Eating Healthy Food – People often cite the cost of eating well as being the reason they don’t do it. “A salad box from Pret-a-Manger costs £5.00 or I can get a sandwich and sausage roll for £2.00 from Greggs”. This is something I just don’t buy into (forgive the pun). We have an in-depth calculation of the cost of eating healthy.
Jen @ Master the Art of Saving writes Small Changes For Getting On Top Of Your Everyday Finances – Getting on top of your everyday finances doesn’t have to be difficult. Wouldn’t it be nice to get a handle on things and start achieving your financial goals? You can, we all can—but it takes a little work.
Ben Luthi @ The Wealth Gospel writes 5 Lessons from Classic Christmas Movies – Christmas movies have the power of bringing together families and helping them get in the Christmas spirit. They also can teach important life lessons.
Oscar @ Money is the Root writes Financial Moves to Make before Year’s End – While many of us are concentrating on holiday shopping, football and getting ready to celebrate, this is also the time of year to get your financial life in order and be financially ready for 2014.
Jay @ Daily Fuel Economy Tip writes Popular Mechanics magazine puts the smack down on fuel saving gadgets – Popular Mechanics is one of the best magazines on the market for not only learning about new gadgets and gizmos but also getting the lowdown on what works and, more importantly, what does not.
Matt @ Budget Snob writes If you haven’t started thinking about your year-end finances, now’s the time to get started – As we move towards the end of the year it is definitely time to start thinking about your year-end financial planning. Things like taxes, open enrollment options at work and reassessing your overall financial plan should be done before January.
Jack @ Money Saving Ethics writes Holiday Travel Tips 2013 – If you are planning to travel this holiday season? If so, you definitely should start making plans as early as possible because, as most of us know, traveling during the holidays can be expensive, tiring and stressful.
Amy @ Money Mishaps writes Online and Mobile Retail make Black Friday practically obsolete – Ladies and gentlemen, here is a certifiable fact; marking down prices for Christmas is an American tradition. Here is another fact that is a bit newer; today, those markdowns and bargains come right to you at home so there is no need to actually go to the store to get them.
Lenny @ Best Money Saving Blog writes Practically Guarantee a Loan Application Approval with These 5 Steps – Getting your loan approved is not as easy as it used to be. Lenders across the UK, and the world, have become much more strict since the financial crisis, and loan applicants must work harder than ever before if they want their loan application to be approved.
Hadley @ Epic Finances writes Why did the Founder of Barnes & Noble suddenly sell so much of his own stock? – Recently the founder of one of the world’s biggest of booksellers, Barnes & Noble, who happens to also be the largest shareholder of the struggling company’s stock, decided to sell nearly $28 million worth of those stocks for what was described as “tax planning purposes.”
Bob @ Dwindling Debt writes Considering Lending Money to a Family Member? If so, follow these 3 Basic Rules – While this may sound a bit harsh, the best rule of thumb when considering lending money to family or friends is simply this; Don’t.
Lily @ Paying Debt Down writes Money Saving Holiday Shopping Tips 2013 – Did you go so far over budget on your holiday spending last year that you did not pay off your bills until the Fourth of July? If yes, then this post is definitely for you.
Marissa @ Finance Triggers writes How to spot a good mortgage broker from a bad one – How can you decide if a mortgage broker is a good one or a bad one? The best way is to learn the answers to these questions.
Marissa @ Thirty Six Months writes The Joys of Freelancing – One of the things that I really enjoy doing is mentoring freelancers. I work in the start-up world, and freelancers are a big part of that. I get to see the ups and downs of that world every day. It is fascinating to see how people price their time, and creative abilities.
Justin @ Edward Antrobus writes Where’s the Best Place to Store Your Emergency Funds? – One of the most commonly heard rules of thumb in the financial world is that every person should keep at least 6 to 12 months worth of expenses in an “emergency fund.”
Monica @ Monica On Money writes Which Flooring Is the Best Financial Decision? – It is time for new flooring. What is best? Hardwood, Tile, or Carpet?
Larry @ KrantCents writes Why It May Be best to Keep Working after Winning a Lottery – You purchased a winning lottery ticket and now you are a sudden multi-millionaire and your first thought as you calculate the winnings is that you will never have to work another day in your life.
Alexa @ Single Moms Income writes How to Find a Good Real Estate Agent – I used watch shows like Flip this House and Moving Up religiously. I love the possibilities of finding an old home fixing it up and then trying to sell it for profit. I did it once and am itching to do it again.
Alexa @ Defeat Our Debt writes 5 Common Options for Getting Out of Debt – There is no one size fits all for debt pay off. If you are just starting out on your debt pay off journey here are some common options for getting out of debt.
GenY @ Gen Y Finances writes Do you want to help the world but can’t give money? – This is a personal finance blog where we can be real about money. Even though you are on a budget, it does not mean that you can’t help others. You may not be able to financially help others, but you can help them in other days, which usually go a lot further.
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.
Jen @ See Debt Run writes Gorgeous Holiday Decorations on a Budget – How to save on Christmas decorations now and going forward.
Brock Kernin @ Clever Dude writes Why is the Grass Is Greener On the Other Side of the Fence? – If you’ve ever wanted what someone else has, you need to read this post!
CAPI @ Creating a Passive Income writes Business Blues: What Not To Do When Starting a Business – Many people have dreamed of owning their own business, but it’s easy to fail. Here are a few things that should not be done when starting a new business.
Betsy Muse @ ConsumerFu writes How to Start an Online Business – The Internet marketplace is a great opportunity to turn your hobby or skill into an extra source of income.
CAREER & EDUCATION
Lindy @ Minting Nickels writes How to Navigate through a Personal Finance Crisis – At times, everything seems to be working in our favor.
Crystal @ Budgeting in the Fun Stuff writes Cheap and Delicious Beer Bread Recipe! – My friend, Anne, bought a beer bread package from a crafts fair recently and we all LOVED it.
Stu @ Poor Student writes Creating a Plan to Pay Back Your Student Loans – When you leave college you might find that the good times feel like you left them behind. The one thing you didn’t leave behind? Your student loans. You need a plan to tackle them as soon as you are done college, otherwise you’ll be drowning in debt for years to come.
Sam @ The New Business Blog writes How to Build a Brand People will Adore – Many people outside of marketing think of a brand as sort of this false cover that is given to a product or service in order to con them into buying something that they do not actually want or, even worse, do not need.
Michelle @ Diversified Finances writes Should You Hire a Virtual Assistant? – In the past few weeks, I have had three people specifically ask me whether or not they should hire help for their business. Two were fellow bloggers in the personal finance niche, and one was a client that I recently had a meeting with.
Pauline @ Reach Financial Independence writes 10% blog income pledge for education update – I have pledged 10% of my blogging income to go to scholarships for young students in my village. Today I will share my 10% blog income pledge for education update.
Mike @ Personal Finance Journey writes 7 Unique Ways to Invest and make money in your spare time – 7 Unique ways to earn money that will give you additional streams of income and help you along your financial journey.
Maria @ The Money Principle writes Three ways to minimise your waste and maximise your wealth – In this article three ways to minimise your waste and maximise your wealth are discussed.
Harry Campbell @ The Four Hour Work Day writes Finding a Job That Allows You to be Mobile – “My recent vacation to Hawaii reinforced two things: I love to travel and I really enjoy what I do working online. 90% of my 5 day trip was spent doing normal Hawaii stuff: hiking, visiting local landmarks and relaxing. But the other 10% of the time, I was busy responding to comments on my blog, dealing with advertisers and working on new articles. ”
Emily @ Evolving Personal Finance writes Tempting Cash Back Credit Card Offers – There are four cash back rewards credit cards available now that are very attractive: the Sallie Mae Mastercard, the Upromise Mastercard, the Bankamericard Better Balance Rewards, and the Fidelity Amex.
Mario @ Debt BLAG writes The lessons I learned paying off all $35,000 of my credit card debt in 2013 – I paid off all $35,000 of my credit card debt in 2013; in this post, I outline the most important steps I took and the lessons I learned along the way.
May @ Messy Money writes Do You Have a Dysfunctional Relationship with Money? – I have always wondered why my siblings and I have such different approaches, attitudes and dysfunctions where money is concerned. We were all born to the same parents and lived in the same household, so why are we so different?
Graham @ Moneystepper writes 10 year government bonds vs FTSE performance – Government bonds vs FTSE performance – which performs better over the long run? The market offers a premium for – is it currently worth taking?
David @ Financial Nerd writes The Solution To Expenses – How coupons can help people financially afford necessities.
Adam @ Money Bulldog writes Where Does Paul McCartney Get All His Money From? – The amazing financial perks of being a world-known celebrity.
Adam @ The Cheapest Cars To Insure writes The Steps to Getting the Right Car Loan – Achieving the best car loan to fit your long term financial goals.
FI Pilgrim @ FI Journey writes FI 101: Two Stages Of Debt – For the financial independence seeker, getting out of debt is only the first stage of our debt-elimination journey, there are TWO stages of debt lead to FI!
Jon Haver @ Pay My Student Loans writes How to Pay Off Student Loans Fast – The principal plus the interest is the total amount of the loan. The longer you have the principal on the books, the more interest you pay, so you are on a merry-go-round for quite some time.
Mr.CBB @ Canadian Budget Binder writes How to get your life back after a divorce with kids – Getting divorced is a tough time for both the kids and the parents so making sure that a plan is in place to make it all as stress free as possible helps both emotionally and financially.
Lisa @ Secrets 2 Save writes 5 was to save on a vacation – Who does not like to travel? I know I like to travel and I know it is kind of expensive to stay in hotels, airfare, cabs, etc. In this article I share with you some of the secrets that will help you save money when you travel. So your next travel trip can be significantly cheaper than your previous ones.
PFC @ PF Carny writes Does Couponing Really Save Money? – Depending on how you do it and how into it you get, it can be either bad or good. Does couponing really save you money? It can, but it can also cost you money at the same time.
Natalie @ Debt and the Girl writes Finding Ways NOT to Worry about Money – I have been on a mission to try and redefine myself again. I know that seems cliché but since things changed a few months ago, I have been trying to decide what would make me feel really happy at this time while finding what I want to do.
Lazy Man @ Lazy Man and Money writes Ask the Readers: What’s Your Favorite Deal Site? – Nowadays, my deal site of choice is Slick Deals. I find it well-organized with a picture and a little description in a grid format, not unlike Pinterest. There’s a voting aspect to the site as well as people vote up the good deals. Anything with a +50 gets my attention.
Little House @ Little House in the Valley writes Don’t Pay Interest on Your Holidays – The Holidays are joyous, cheerful and even sometimes stressful. BUT don’t add to that stress by racking up your credit card debt.
Miss T. @ Prairie Eco Thrifter writes Wait, Don’t Buy That Yet – I learned late in life that there are best times to buy certain things. Sure I knew about the ‘White sales’ – the ones stores used to have in January on sheets and towels and such, but I really hadn’t a clue that there is a best time to buy many other things!
Eva Baker @ TeensGotCents writes Retirement Planning For Teenagers – Is retirement planning for teenagers important? More than you might think! Take a look at this chart and see what a difference saving early makes in life!
Moneycone @ Money Cone writes Unconventional Income From Uncommon Stocks – REITs – This is part III of the series, Unconventional Income From Uncommon Stocks. The series is meant to be an absolute beginner’s introduction to uncommon stocks.
Tushar @ Earn More and Save writes How to Save Money on Housing Costs – One of the biggest costs everyone faces is housing. Whether you rent a home or own a home housing is a huge cost and can be a budget killer. If you’re smart about it though, you can save a lot of money on your normal housing costs with a few easy steps.
Cindy @ MidLife Finance writes Things Grandma Taught Me – Along with courage, determination and a certain amount of pigheadedness, Grandma also taught me…
Crystal @ Married (with Debt) writes Roth 401K versus Traditional 401K – I was able to increase my deduction number. This has enabled me to increase my retirement plan contributions. Roth 401K versus Traditional 401K.
Money Soldiers @ Money Soldiers writes I Am Changing – I am changing. I am becoming a trader and I like it. I will continue to change and become a millionaire.
Adam @ Money Rebound writes Who Are the Richest People in History? – Meet some of the wealthiest people whom have ever walked the face of the earth.
John @ Frugal Rules writes Betterment Review: A New Investing Option to Consider – Investing in the stock market is vital to building wealth and with the variety of options available of where to invest it can be confusing. Choosing a good brokerage that has good offering and low fees can be a great way to help grow your retirement portfolio and get your investing on the right foot.
Pauline @ Make Money Your Way writes What Fundamentals Affect Commodity Prices – Troy continues the investing for beginners series, and now he talks about what fundamentals affect commodity prices.
Harry Campbell @ Your PF Pro writes How I Cashed in 162,000 Points For a Free Hawaiian Vacation – Some people probably think I’m crazy for holding 22 credit cards in my wallet but I have a good reason for doing so. Ok, I don’t really have them all in my wallet, I keep them in a little box in my drawer but you get the point. The reason that I love signing up for credit cards though is because of the amazing tax-free sign up bonuses.
Daniel @ Make Money Make Cents writes Want to make smarter money decisions? Use these tips from Economist Noreena Hertz – Noreena Hertz advises people in power, including presidents, prime ministers and CEOs, about international debt and globalization. She also wants to help people like you and I make better financial decisions.
Jason @ The Money Makers writes Olivia Wilde is Having a Baby: What are the first-month expenses? – Olivia Wilde recently announced her pregnancy with fiance Jason Sudeikis as she is due with her first child in the coming year. Although the couple have declined to reveal their due date, they likely are expecting to set aside a budget for their baby, even with their high incomes.
Mr.CBB @ Canadian Budget Binder writes Do men and women influence each others shopping habits? – Men and women can influence each others purchases and if you aren’t sure just listen to you both the next time you are out shopping.
Roger the Amateur Financier @ The Amateur Financier writes 8 of the Most Unusual Charities I Would Recommend – A guide to some of the most unusual charities that I know of, what they do, and how you can support them, improving the methods you can use to support charities
SBB @ Simple Budget Blog writes Budgeting in Your Happiness – Don’t let the rigidness of budgeting get you down! It can be fun, we promise. Use these tips to include some enjoyment into your financial plan.
Tony @ We Only Do This Once writes 5 Reasons You’re Still Deep in Debt – There are many people who struggle with debt, and all for similar reasons Debt seems to be a problem for many people.
Ryan @ Cash Money Life writes When Whole Life Insurance Actually Makes Sense – Most people believe term life insurance is a better option than whole life insurance. But there are times when it makes sense to buy whole life insurance.
Wayne @ Young Family Finance writes Money and Children: How to Say No to the Gimmes and I Wants – Are “gimme!” and “I want” too familiar? Children like toys, but you can’t buy them all. Here are steps you can take to avoid buying all your children want.
Luke @ Learn Bonds writes Intermediate-Term Bonds – When interest rates are uncertain, an intermediate-term bond can be a balanced solution for investors.
Brent @ PersonalFinance-Tips writes Four Legal Blunders That Could Cost You Money – The steps you take immediately after a motorcycle accident will be crucial to your claim for compensation. Knowing what you need to do in the event of an accident will help you avoid these costly mistakes. Never Admit Any Fault Even if you believe that you may be partially responsible for the accident, do not admit to any fault or contributing factors to the event.
Minimalist @ Minimalist Finance writes Cheap or Free Ways to Get Together With Friends – There’s nothing like catching up with friends to boost your mood, especially with ones that you haven’t seen in some time. It tends to be a knee-jerk reaction when it comes to meeting with friends to suggest a meal.
Jacob @ AllPersonalFinance writes Money Saving Lessons You Must Know – The earlier you actually start to save, the better for your personal finances. There are a few lucky ones taught and raised in ways that they learn the value of saving money at an early age but for the rest of us, saving has become a struggle. Credit cards also tend to encourage and cultivate.
Mrs. Accountability @ Out of Debt Again writes Should Students Get a Credit Card for University? – We hope students learn a financial eduction by the time they get to college, so it begs to question if a student should get a credit card for university?
Hank @ Money Q&A writes Five Tips For Frugal Living To Live Comfortably – Here are five tips on living a frugal life, frugal living, and pinching the most amount of pennies possible. You can save quite a bit of money, enjoy frugal living, and still live a comfortable life.
Ted Jenkin @ Your Smart Money Moves writes Making Realistic Financial Resolutions – Read how we should all be making realistic financial resolutions. Why create a defeating situation where you are bound to disappoint.
Don @ MoneySmartGuides writes 5 Ways To Save Money On Groceries This Christmas Season – Is your grocery budget busting at the seams this holiday season? Here are 5 ways to save money on groceries all year long.
Don @ Money Reasons writes Tick, Tick, Boom: Insuring the Most Explosive Jobs – Do you need job insurance, is your job dangerous? Don’t you think it might be a consideration that you should take heed of?
IMB @ Investing Money writes Investing in Water – We need water to live, our bodies are 70% water. Without water we die. What else is water important for? Well, just about everything.
JP @ My Family Finances writes How to Afford Your Dream Car – Before you sadly sign away the idea of ever owning the kind of vehicle that makes you dizzy with delight, read our suggestions on how to save money without sacrificing quality or safety.
Kyle @ The Penny Hoarder writes How to Save Money When You’re Living Paycheck to Paycheck – I know… I know… For a lot of our readers, the thought of saving money when you’re living paycheck to paycheck is a joke.
Bargain Babe @ BargainBabe.com writes 5 Financial New Year’s Resolutions – The new year is weeks away and that means it’s resolution time. Gyms fill up, cigarette sales go down and promises to keep in touch slip from your lips. While fitting into your favorite swants…
Debt Guru @ Debt Free Blog writes Financial Abuse: Keeping Track of Your Elderly’s Financial Well-Being – Financial abuse is one of the fastest growing crimes. Unfortunately, your elderly are common targets. Read here to learn how to prevent this abuse.
Tushar Mathur @ Everything Finance writes 3 Ways to Get Your Financial House in Order for 2014 – If you’ve already crossed off “lose weight” from your New Year’s Resolution and are looking more toward finally getting control of your finances, then you’ve come to the right place
Daisy @ Suburban Finance writes The Kitchen Gadget Catastrophe – What I find the most annoying is that many kitchen gadgets have ONE purpose and one purpose only. They are a waste of money and space, according to Karen at Suburban Finance
Ben Luthi @ The Wealth Gospel writes My Love Hate Relationship With Sports – I used to love sports, but as I’ve started to think about what I want in life, I’ve realized how much of a waste of time and money they are