Carnival of Financial Camaraderie



Pauline @ Reach Financial Independence writes 13 money resolutions for 2013: #5 review your expenses! – This post is part of a 13 money resolutions series to kick start your finances in the new year and reviews all your expenses to keep only the necessary ones, lower or ditch the rest.

Robert @ Entrepreneurship Life writes Why You Need a Professional to Do Your Business Taxes – Here are some solid reasons why you should have a professional do your business taxes.

MMD @ My Money Design writes The 403b vs 401k – How Are They the Same? How Are They Different? – Even though we have both types of plans, I didn’t always know what the differences between the 403b vs 401k. Here is what I found out about each one.

Evan @ My Journey to Millions writes Stop Lying to Yourself about What You Spend – I don’t care if you decide to lie to me about your personal finances but I am shocked how many people lie to themselves about the very basics that make up their personal finance world. I understand that not everyone knows their monthly nut, but I was floored the other day by someone so clueless about their own situation.

Edgar @ Degrees and Debt writes Maintaining Multiple Incomes – Examples of multiple income streams

Marvin @ Brick By Brick Investing writes Food Insurance – Detailed description of how you can save money and ensure you have enough household items & groceries in the event that you lose your job.



Passive Income Earner @ The Passive Income Earner writes Dividend Stock Analysis: Thomson Reuters Corporation (TRI) – Latest dividend stock analysis of TRI – Thomson Reuters.



Mike @ The Financial Blogger writes Invest $198 and Make Thousands of Dollars: A Case Study on How to Make Money With Aweber And Enjoy Your Subscription For Free 3 – Are you running an online business? Let’s make it happen!

md @ Start Freelancing Now writes How Much Caffeine Should a Freelancer Drink? – How much money are you spending on coffee?

Michelle @ The Shop My Closet Project writes Let’s Invest: A series about non-fiscal investments – I’ve decided to write a series of posts about non-fiscal investments that may or may not effect our money but do have a huge effect on our lives. Once a month I will write about these investments. I’m curious about what you think. This month’s post is about friendship.

Jessica @ Budget for Health writes I Started an Employee Wellness Program at Work – As the only dietitian at my job, I took it upon myself to start up a wellness program at my job to help my coworkers take control of their health.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes HOW PAYDAY LOANS MAKE LENDERS RICH AND BORROWERS POOR – In modern society, loans are easily available for almost every whim and desire. Just pick up your credit card, charge it, and pay the balance off at your leisure. The range of borrowing options ranges from short term payday loans to 40 year home mortgages. Few citizens avoid debt.

Grand Per Month @ Grand Per Month writes Make a Grand Per Month as a Nutrition Coach – Are you always reading the latest research about what we should eat? Have you taken nutrition courses? Do you like to prepare healthy meals for your family and educate others about what foods people should eat to maximize their energy and nourish their bodies? If so, then you may want to be a nutrition coach.

Kyle @ My University Money writes How Much Is Too Much to Pay for Residence? – The problem is that residence fees in many parts of the country have risen at incredible rates over the past decade. This disregard for general inflation rates seems to be part of the world of education these days, but I digress.

Everything Finance @ Everything Finance Blog writes Obama’s Student Loan Forgiveness Program: Do I Qualify? – If I stick with the minimum payments, I’ll be paying 15 years for my private student loans, and 30 years for my consolidated federal government loans. No, thank you. With the new Obama Student Loan Forgiveness Program, and the new Student Loan Repayment Options, I figured I would take a look and see if any of them could help me out.



FMF @ Free Money Finance writes Case Studies Of People Who Have Successfully Quit – In the following article, I share with you two examples of people who have successfully quit their jobs

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Don’t Let the Stigma of Debt Keep You From Getting Help – This post describes one blogger’s personal struggle with debt, and how he was so ashamed of his debt that he not only couldn’t begin to add up what he owed, but also that he could not even speak to his loved ones for many years about the situation. This post stresses how one should not let the stigma of debt keep one from getting financial advice and help.

Roger Wohlner @ The Chicago Financial Planner writes Annuities: The Wonder Drug for Your Retirement? – Annuities are often touted as the cure for all that ails your retirement. Baby Boomers and retirees are the prime target market for the annuity sales types. You’ve undoubtedly heard many of these pitches in person or as advertisements. Many of these pitches pander to the fear that many investors feel after the last stock market decline. Please make sure that you understand what you are buying before writing that check.

Robert @ The College Investor writes The Bull Market is Set to Run for Years – Stock market is as much a game of perception as it is reality. I’m not saying there won’t be corrections or Black Swan events, but over the next few years, there will be a solid bull market.

James @ Free in Ten Years writes How to stop impulse buying – Impulse buying is a huge obstacle in the quest to live below your means. Learn how to beat it once and for all.

Tony @ You Only Do This Once writes 38 Tips to Eliminate Debt – I have compiled a list of 38 tips to eliminate debt that have worked for me, friends, and colleagues alike.

harry campbell @ Your Personal Finance Pro writes Is Restaurant Week Even a Good Deal? – Have you heard of restaurant week? Most large metropolitan cities have some form of it, but the general idea is that you pay a discounted rate for a three course price fixed dinner at a top restaurant in your city. In San Diego, the options are for $20/$30/$40 dinners at over 150 restaurants. There are obviously quite a few options and three courses for $20-$40 may sound like a good deal but I’m here to tell you, it’s not.

Gary @ Gajizmo writes What Is A Credit Union vs. A Bank – Not all banks are created equal. Determining whether you should open an account at a credit union versus a bank depends on your financial goals and needs. For different services, we recommend having an account at both, and here’s why!

Invest It Wisely @ Invest It Wisely writes Unraveling the Secret to Building Wealth – You can become wealthy by changing a few simple things. All it takes is a shift in attitude and to make one simple commitment to yourself.

Christina @ writes Term vs. Universal Life Insurance – When you begin to consider life insurance options, you will likely come across a comparison of the different types of coverage available. Between term, whole, and universal life insurance, it is important to weigh the pros and cons before buying protection.

Miss T. @ Prairie Eco Thrifter writes Start Managing Debt – One of the things we found out was that debt, in itself, isn’t necessarily a bad thing; it’s the volume of debt that becomes a problem. I mean, debts like mortgages, student loans and car loans are almost a necessity in this day and age; the trick is to keep your repayments below 30% of your income.

Jason @ Live Real Now writes Credit Peril – The credit department came back and said that my wife’s credit was poor. I chalked it up to a temporary blip caused by closing the oldest account on her credit report and financed without her. No big deal. Turns out I was wrong.

NoTrustFund @ Where’s My Trust Fund writes the Manifesto – Personal finance inspiration.

Penny Thots @ Penny Thots writes Two Easy New Year’s Resolutions You Can Easily Do – There you have it, two quick and easy resolutions that you should have no problem completing. In 10 minutes, you started to save more for retirement and increased your take home pay. Now just make sure you use any extra money in your paycheck to pay off high interest debt, build an emergency fund, or invest in the market for your future.

Justin @ Young And Thrifty writes Paying Off Debt: The New Year’s Resolution You Need to Keep – Making New Year’s resolutions is a time honored January tradition. The problem is that by February most of those resolutions have been broken and completely abandoned. But there’s one New Year’s resolution that you need to keep, that you cannot afford to give up on – and that’s paying off debt.

Jules Wilson @ Fat Guy,Skinny Wallet writes Review of “The Money Code” – I recently had the opportunity to read “THE MONEY CODE: Improve Your Entire Financial Life Right Now” by Joe John Duran, CFA. This book was a little unorthodox because I was definitely expecting more of the norm in terms of finance books, but instead I ended up reading the self-described “anti-financial advising, financial advising book”.

Jon @ Novel Investor writes TurboTax Review: Tax Prep Made Easy – TurboTax is the most popular online tax preparation and filing services. Its tax software makes finishing a tax return quick and painless.

Marie at Family Money Values @ Family Money Values writes Becoming a Family of Wealth – Is your family trying to become a family of wealth? What does that even mean to you, to be a family of wealth? Do you want your future family to have ‘old money’? Is old money better than new money? Is it harder to have? Is it better or worse?



KK @ Student Debt Survivor writes Embarrassed to Drive a Used “Beater” Car? I’m not! – Ever worry about what others will think about you when you’re driving a “wreck”? I’m not concerned.

James Petzke @ This Is Common Cents writes Open Source: Harnessing the Power of the Software Revolution – Be frugal by taking advantage of free software and savings thousands.

Carmen @ writes How Much Car Insurance Do I Need? – Finding affordable car insurance by comparing rates and companies is an external solution, but before you can do that, consumers need to decide the type and amount of insurance they need. Learn about difference circumstances and coverage needs, and factors you should consider when deciding how much protection to buy.

Peter @ Bible Money Matters writes Want to Save Money in 2013? Quit Looking at the Ads – If you truly want to save money this year, whether it be for paying more on your debt or for putting more in the bank, perhaps the best thing to do is not look at the sales at all.

Bank Free Credit @ Bank Free Credit writes Free Fantasy Books You Can Really Read Online – I have always liked to read, but finding the time and money to get to a book and buy books isn’t always possible. So my favorite pastime has had to take a backseat to work, bills, and spending time with my lovely wife. That was until I discovered that there are literally thousands of books that I can read online for free.

Little House @ Little House in the Valley writes 5 Automotive New Year’s Resolutions – Learn Car Repair – Many people look at the New Year as an opportunity for a fresh start. Some set goals to lose weight, quit a bad habit or finally finish that home remodeling project. One often overlooked area for New Year’s resolutions is your car. Here are five auto-related resolutions you can make that are easy to achieve and may save you money.



Dividend Growth Investor @ Dividend Growth Investor writes – Nowadays, everyone knows what the fiscal cliff is all about as news channels, websites and newspapers have explained everything there is to the matter. Now that we are past “fiscal cliff” territory, the markets have been jittery. Despite the recent relief rally, some spending deals have only been postponed by a few months. In addition, the uncertainty around the US debt ceiling is another factor that could weigh in on investors sentiments.

SBB @ Simple Budget Blog writes Carnival of Retirement – Read these incredible articles in this week’s edition of Carnival of Retirement

Pete @ Intelligent Speculator writes Passive Income: P2P Lending – We look at the viability of P2P lending as an investment.

Div Guy @ The Dividend Guy Blog writes What Can We Expect From Dividend Stocks in 2013? – What should you expect in 2013?

Jason @ Work Save Live writes 5 Things to Consider When Creating a Will – Being a legal declaration, a will is typically made for making dispositions of property to take effect on or after a person’s death. A will is a personalized legal document and can be made for appointing those that one wishes to manage any part of their estate. Specific protocols exist for drafting a will, specific to a country, state, and province and similar areas.

Tushar @ Start Investing Money writes Using Foreign Stock Brokers – If you want to start investing in the stock market, you have two options open to you. You’ve either got to go it alone and make your own investments, or find a broker to do it for you.

Daisy @ Add Vodka writes How Craigslist Has Saved Us Hundreds of Dollars – When we bought our house, we knew that it needed a bit of work. Our house is nicely renovated, but it was built in the 1960s, and had a few issues that were “under the scenes”.

TDB @ Tax Deduction Blog writes How Are Bonuses Taxed by the IRS – Did you just get a great bonus from work and come home with a much smaller check than you thought? Here’s how the bonuses are taxes by the IRS

Jennifer Lynn @ Broke-Ass Mommy writes The library, not just a sanctuary for books. – Read my take on the library, and let me say that it’s now just a sanctuary for books!

Ryan @ Early Retirement Investments writes Looking for The Quiet Life But Not in Dubai! – Related Posts:An Introduction to Critical Illness CoverPlanning For Retirement is the Key to Secure Retirement LifeIs It Better to Bank With a Credit…

Luke @ Learn Bonds writes How to avoid the #1 mistake made by bond fund investors – Many bond investors top priority is income, which leads them to place a heavy emphasis on a fund’s yield when making investment decisions.

Investor Junkie @ Investor Junkie writes What To Look For In an ETF – The exchange-traded fund (ETF) industry is growing at a dizzying pace as new funds are made available to investors each week. Here are the five things to look for in an ETF:

Jules Wilson @ Faithful With a Few writes What is the Best Age to Begin Saving for Retirement? – The best age to begin saving for retirement will be different for each person. Some are in a position to do it earlier in life, while others are unable to start until years later. You will be better off if you can start as early in life as possible, but that doesn’t mean that delaying contributions will prevent you from having a comfortable level of retirement savings.

John S @ Frugal Rules writes 4 Helpful Free Investment Tools – Investing in the stock market can be a challenge for the seasoned investor, much less a newbie investor. By using some free investment tools you can make more informed investment decisions that will benefit your portfolio.



Jeff Rose @ Good Financial Cents writes 70 Ways To Save Money – The truth is, there are always ways to pinch a penny, particularly if you’re willing to invest a little time. Here are 70 ways you can save money in your four biggest budget categories: food, transportation, housing, and health.

Suba @ Wealth Informatics writes Save $1000 in 30 days challenge – Who couldn’t use an extra $1000? Start the new year with an extra $1000. Here are 30 tips to save $1000 in 30 days, just a month. Spend less an 1 hr a day and save thousands of dollars.

Rohit @ The Money Mail writes All about Roth IRA – Saving for retirement can be a big challenge. With so many retirement saving options available, it is often hard to decide which one to go for. Roth IRA can be an attractive option if you already max out your 401k or of you are currently in a lower tax bracket then where you expect to be in retirement. Your earning grows tax free and you do not have to pay taxes on qualified withdrawal. Thing death and taxes cannot be avoided? Think again? In this article on Roth IRA you will learn about the b

Alice @ Hurricanes, Panties & Dollars writes Saving on Inebriation & 10 Money Themed Drinks – I love to drink and have a great time, but if you’re drinking at bars—it can add up faster than a stripper can spot a $100 bill. That’s fast!

TTMK @ Tie the Money Knot writes Revisiting Car Insurance Costs: 5 Ways to Save – Saving money is a good thing. That said, how often do we think about reexamining our car insurance costs to find better rates? This post explores the topic of saving on such insurance.



Glen Craig @ Free From Broke writes Should Students Get Paid for Good Grades? – Do you think students should be paid for good grades? There is evidence that getting paid is a good incentive to keep students in school. What do you think?

Lance @ Money Life and More writes Bold Move By Discover – The Discover it™ Credit Card – Discover has made a bold but necessary move to position itself in the rewards credit card market. Discover decided to stop offering all of the credit cards they offered in 2012 and have switched to a single new card that easily beats every old credit card they offered. So what is this new Discover credit card and what makes it so awesome?

CAPI @ Creating a Passive Income writes Collectibles and You: Turning Clutter into Passive Income – In addition to obtaining and storing all of these items, they also tend to learn a lot about the value of various items within that niche.

Roger the Amateur Financier @ The Amateur Financier writes Money And Child Raising: Stay-at-Home Parent – When you become a parent, there are many issues that you need to handle.

Amanda L Grossman @ Frugal Confessions writes Debt Can be a Rewarding Motivator: How Will You Use Yours? – What do you think your life would be like if you were given everything you ever wanted? If you had no debt, no significant financial responsibilities, no

Corey @ Steadfast Finances writes Stocking the Bomb Shelter: Is Buying in Bulk Actually Worth It? – Buying in bulk may look good on paper, but you need to consider all of the factors before making your decision.

SFB @ Simple Finance Blog writes The Importance of Having an Allocated Spending Plan – What is an allocated spending plan, its benefits and how to set it up

Ashley @ Money Talks Coaching writes My First Video! – Hey guys! I have something super special for you today… My First online video!

Jester @ The Ultimate Juggle writes Final Decision On Fairness in Spending on Kids – Do you think about your fairness in spending on kids? I believe that you should, especially if your kids are great kids like mine!

Ted Jenkin @ Your Smart Money Moves writes Top Five Financial New Year’s Resolutions – It’s hard to imagine that another year has passed by so quickly.

Crystal @ Budgeting in the Fun Stuff writes Blog Goals for 2013 – I’ve covered my main goals for 2013, but I figured you all may be more interested to know what I have in mind for BFS. :-) I just want to reach out more.

PPlan @ Provident Plan writes What To Do If Your Identity Has Been Stolen – Last week we talked about various ways that a person’s identity could possibly be stolen.

Daniel @ Sweating the Big Stuff writes 2013 Business and Personal Finance Goals – Here are my business and personal finance goals for 2013. They won’t be easy to achieve, but I think they’re definitely attainable.

Kyle @ The Penny Hoarder writes “I Need Money!” – 10 Ways to Make Money For Tomorrow’s Rent – If you’re having a tough week financially and need to find some cash fast, there are a few things you can do which won’t take a lot of time, and can be done for people you know, or even friends of friends.

Jon the Saver @ Free Money Wisdom writes How Fitness Affects Your Finances – Personal fitness has a direct effect on your personal finance life. Letting yourself go can wreck havoc in your personal life so watch out.

A Blinkin @ Funancials writes What Kind of Returns Can I Expect When Planning for Retirement? – Moving forward, I would estimate a modest 3-4 percent. Let’s say you are 25 years young making $50,000/year. In retirement, you will need to replace 75 percent of your income. You expect 3 percent inflation. How much will you need to save in order to retire by 65 excluding Social Security?

Maria @ The Money Principle writes About goals, priorities and general orientation: my words for the year – Instead of setting priorities and goals in January I decided on two words to orient my effort. These are my words for the year and a report on how it worked out.

Hank @ Money Q&A writes Seven Credit Card Warning Signs Of Debt Trouble and The Debt Movement – Do you have a problem with your credit card debt? Do you know the credit card warning signs that your debt may be out of control or hard for you to handle?

Tushar @ Finance TUBE writes How to Resist the Urge to Spend? – Today we will be talking about how to resist the urge to spend? At the core of all personal finances advice is this one fundamental principal. You have to resist the urge of spend as much as you want.

Eddie @ Finance Fox writes Lower Your Wireless Bill By Cutting Your Monthly Data Usage – I was able to conclude with today’s post on some tips and tricks to keep your monthly data usage in check and more importantly lower your wireless bill.

Corey @ 20s Finances writes How Young Adults Can Save Money on Car Insurance – We all know that young adults struggle with saving money. It must be the curse of young adults to be attracted new cars, fancy gadgets, and trending clothes. Either that or just plain inexperience. In all seriousness, it’s a combination of all these things.

MR @ Money Reasons writes Financial Thoughts Spinning in my Head – Here I’m sharing my current financial thoughts, everything from kids, wealth accumulation and the desire to still have a enjoyable year by spending.

Suba @ Broke Professionals writes Increasing The Retirement Age Isn’t The Answer – Increasing the retirement age at which you can collect Social Security benefits would hurt the part of the population that needs the money most.

Don @ MoneySmartGuides writes Emergency Fund Basics – An emergency fund is the term given to your Savings Account that acts as a resource to provide you with income during emergencies.

Tushar @ Earn More and Save writes What Are Your New Year’s Resolutions? – Learn how to make realistic New Year’s resolutions for 2013 – and actually keep them!

Jen @ Master the Art of Saving writes Potential Savings Goal: A Second Car – Living so far out has isolated me from the world and is driving me nuts. I need want NEED a car or I am going to die…seriously.

Aloysa @ My Broken Coin writes The Best Moments of My Broken Coin in 2012 – Check out – My Broken Coin’s – best moments this year

Mike @ Personal Finance Journey writes New Year Plan – Its time to be setting Goals – A Simple Practical way to look at your financial goals for the New Year Plan. A guide to setting Goals for 2013 and starting your finance journey right.

krantcents @ KrantCents writes Happy New Year! – Happy New Year! Today is the beginning of a new year and a day full of football games. Living in Los Angeles, I look forward to the Rose Parade showing what is best about southern California.

Lazy Man @ Lazy Man and Money writes Ask the Readers: Do Your Possessions Pick You? – We weren’t looking to buy that day and I certainly wanted to do a little more research. Later on that night as I was reading reviews, my wife said, “Isn’t it funny how possessions pick you sometimes? It was like that wedding dress.” If she loves a Crosstrek as much as the Audi Q5, I’m going call that a big financial win, especially with the extra savings at the pump (getting better gas mileage and not being required to get premium fuel).