Hello everyone, I’m happy to be hosting this week’s edition of the Carnival of Financial Planning! It’s the first time I’ve hosted this particular carnival, and it happens to be one with many really good submissions. Take a look!
BUDGETING AND ECONOMICS
Hank @ Money Q&A writes How To Get The Most Out Of This Holiday Shopping Season And Black Friday – It is going to be a tough holiday shopping season for businesses, but that is going to be good for shoppers and consumers. I talk to Jon Lal, founder of BeFrugal.com, on the podcast about the upcoming holiday shopping season.
Mr.CBB @ Canadian Budget Binder writes Bust our budget October 2013-Romance and Money – Just when you think you have everything under control life throws you lemons. You know that you can’t spend more than you earn but inside your head you say it’s ok to spend a bit more because you are worth it.
Alexis @ FITnancials writes Moving Into Our First Apartment – We plan on moving into our own place around the month of February 2014, also so we can get a feel of what it is like living with each other before we move to a whole new city together.
Nicole @ How to Avoid a Cashtastrophe writes Reasons to Avoid Debt – Debt may seem like the norm in Western culture, but that doesn’t mean that it should be acceptable. Debt can poison your entire life. There are so many reasons to avoid debt, and Nicole lists some of them!
Sam @ The New Business Blog writes 5 Mistakes that Successful Entrepreneurs Wish they Would have Avoided – Many successful small business owners and entrepreneurs made mistakes when they started their businesses that they wish they could go back and correct.
Super Saver @ My Wealth Builder writes Health Insurance Subsidy Cliff – Earning over the subsidy income thresholds can signficant increase health insurance costs.
Jack @ Money Saving Ethics writes Tips for a Great Financial Year – Improving your financial situation is not as difficult as it might sound, but it does require dedication and thought. It is really just a matter of starting and maintaining healthy financial habits.
Danielle @ Saving Without a Budget writes Financial Tips That Sound Bad but Work Well – If you ask most certified financial planners you will find that one of the things they are constantly warning their clients against is making bad money choices based on popular financial advice, which is often wrong.
Buck @ Buck Inspire writes Club MomMe’s Family Fall Fest 2013 Recap – Although I was amped for the Entrepreneurship for Moms speaker panel, there also were tons of sponsors and vendors showing off their wares.
Holly @ Club Thrifty writes Why is Obamacare Taking Away my HSA? – Guess what. Obamacare severely limits the number of HSA-eligibile plans in Indiana. Is Obamacare taking away my HSA? You bet.
Larry @ KrantCents writes No College, No Problem: 5 Careers That Don’t Require a Bachelor’s Degree – Many med school grads are left with crippling debt and shockingly high malpractice insurance payments.
Alexa @ Single Moms Income writes How to Make Money Blogging (Plus a Challenge) – Want to know how to make money blogging? Join me in a challenge to grow your readership and make money blogging.
Graham @ Moneystepper writes Should I invest in emerging markets? – Should I invest in emerging markets?
Sustainable PF @ Sustainable Personal Finance writes The Importance of Saving Early – When my husband and I first married, we were poor and in debt. It was a difficult place to be, and, even as we made inroads and improved our finances, we still felt pinched. As a result, we decided that we could not afford to set aside money for the future.
FI Pilgrim @ FI Journey writes Flipping The Script: How I Learned To Live On Last Month’s Income – Nobody wants to live paycheck to paycheck, but for a long time I did just that. Here is how I flipped the script and began living on last month’s income.
Robert @ Cult Of Money writes 7 Ways to Save Money on Your Heating Bill – The cold weather is drifting in and we are quickly approaching those rigid winter months. Last year, at the peak of winter, I was faced with electric bills hovering near $500 per month. That was $500 to heat a 900 square foot trailer!
Bobby @ Making Money Fast and Slow writes The True Cost of Commuting and Some Alternatives – You spend $125,000 over 10 years and 1.6 working years sitting in your car. So what can you do to stop this waste of time and money? Plenty.
CAREER AND INCOME
CAPI @ Creating a Passive Income writes Right Out of High School: Five Jobs That Don’t Require a Degree – Job markets are always changing. Here are five jobs that do not require the individual to have more than a high school diploma or a G.E.D.
KK @ Student Debt Survivor writes The Size of Your Package Matters – Benefits are an important part of your whole compensation package. Let’s talk about benefits and the size of your package!
Daniel @ Make Money Make Cents writes How to Boost Sales Using Just Slatwall in Your Shop – If you have your own shop and you are aware that you could improve your display area, slatwall could be an ideal option for you.
Justin @ Root of Good @ Root of Good writes Join the Military to Retire Early? – Retired nuclear submariner Doug Nordman explains how joining the military could lead to early retirement. However, it isn’t necessarily an easy path to riches.
DEBT AND CREDIT
Bargain Babe @ BargainBabe.com writes Is Bankruptcy Better Than Debt? – Is Bankruptcy Better Than Debt? offers tips on saving money every day.
Kyle @ The Penny Hoarder writes Get the Tools to Increase Your Small Business Cash Flow – Increase your small business cash flow with business banking tools and cash management solutions. From managing your business cash flow online to automating payments, you can easily grow your cash flow and increase your bottom line.
Katie @ IRA Basics writes What Happens to Debt When You Die? – Now we do not want to sound morbid but it is a fact of life that none of us are getting any younger and one day we will meet our maker. But what happens if we meet an untimely end while we have still got debts outstanding?
Jerry @ AutoFoundry writes Is it Ever Smart to Finance a Car? – Financing a car gets a bad rap, but are there times when it’s not actually a bad idea?
Jon Haver @ Pay My Student Loans writes 5 Repayment Options To Consider – Besides the total amount of your student loans, you’ll want to know what you can expect in terms of a repayment plan. This is one of the most important pieces of homework you should do when you decide to take out any educational loan.
Kayla @ ReadyForZero Blog writes The Key To Paying Off Credit Card Debt Quickly – Don’t let credit card dominate your financial decisions for longer than it needs to. Find out how to maximize the efficiency of your repayment and reach your debt free goal even sooner!
Grayson @ Debt Roundup writes The Gift Of Debt – Enjoying My Hobby – I used to be in debt. When you get out of it, you realize that debt actually gave you a gift. The gift is different for each person and I am no different. Debt gave me many things, but it also gave me a new perspective on my finances. Debt gave me the ability to enjoy hobbies again without worrying where the money was coming from.
INVESTING AND SAVING
Daisy @ Suburban Finance writes A Cup of Coffee: Daily Necessity or Daily Indulgence? – Starbucks coffee is very expensive, and is an indulgence.
JP @ My Family Finances writes Lost Health Insurance Because of Obamacare: Can I Still Sign Onto My Spouses Plan? – Spouses everywhere are taking a second look at their plans now that millions of Americans have lost their coverage due to Obamacare.
Tushar Mathur @ Everything Finance writes 7 Ways to Save and Make Money Right Now – There’s always a lot of reasons for the need to save money stat, but around the holidays, most of us feel the pinch on our wallets just a little bit more.
Luke @ Learn Bonds writes Bond Buying Criteria – Looking at corporate bonds as an investment? Here are the criteria to look at when buying corporate bonds.
Roger the Amateur Financier @ The Amateur Financier writes A Few Harsh Truths About Blogging – Some of the tricky things to learn about blogging, such as getting a server, getting assistance, and paying money to keep your website running.
Tushar @ Start Investing Money writes Write Down What You Spend: You’ll Save More – Do you have any idea how much you spend on a regular basis? This is a tricky question to answer unless you happen to write everything down. Few of us do this and that’s a shame – if we did we’d have a much more accurate view of our spending habits. But that’s not all.
IMB @ Investing Money writes Railroads Increase Revenue from the US Oil Boom – The US Oil Boom is a big topic in politics, the environment and finances these days – and railroads increase the revenue from the boom! Read here.
Maria @ The Money Principle writes Business in the European Union – how is it doing? – How is the European Union doing in the face of all the problems in the world? Has it achieved its founding 4 principles? We present a report.
Brent @ PersonalFinance-Tips writes Are You Covered? 5 Tips in Giving You Peace of Mind and Control over Your Future – While identity protection companies put the fear of financial ruin in people, the reality is that only 3% of the US population has any financial data stolen (guides.wsj.com) each year. If you are in the small percentage, however, it can wreak havoc in your life.
Cindy @ MidLife Finance writes 7 Lessons Learned From Bill Gates – 7 Lessons Learned From Bill Gates. It’s easy to find out what Bill Gates thinks…sort of.
Mike @ Personal Finance Journey writes Stay at home and save while making the most of your garden this winter – When you want to escape the house during winter do you consider your home garden? 10 Ways you can use the home garden and save!
writing2reality @ Write Your Own Reality writes Investing with Prosper – After four years of investing in peer-to-peer lending with Lending Club, I have diversified and added Prosper to the portfolio.
Nell Casey @ The Million Dollar Diva writes 5 Things You Might Be Doing to Sabotage Your Savings Goals – If you are struggling to reach your savings goals, you may be falling victim to a financial saboteur. Whether your goal is too big, undefined or your savings are not automated could be a reason for not achieving your goals.
Robert @ The College Investor writes Time to “Be Greedy” with Gold? – The precious metals market has been beaten down. The most recent bearish news was Barrick Gold (NYSE:ABX), the second largest gold and silver company in the world, announcing it was selling stock to raise capital. That immediately reduced the value of the existing shares (basic supply and demand, the more of something the less it is worth).
RISK MANAGEMENT AND INSURANCE
Minimalist @ Minimalist Finance writes Unusual Causes Of Damage That Warrant A Second Look At Car Insurance – One woman in BC submitted a car insurance claim due to a bear attack, and drivers should use the experience to find the right insurer for their needs.
Little House @ Little House in the Valley writes Are You Prepared for an Emergency? – In the event of a much larger quake, it’s safe to say that services may not be available for many days which means we’d need enough supplies to get by for at least one week. Below is a list of items that should be in a convenient location (not buried in the garage)
REAL ESTATE AND PROPERTY
SFB @ Simple Finance Blog writes How to Save Money When Buying Your First Home – Buying a home is an American dream for most of us, but it is a bitter fact that home buying is an expensive process.
Don @ Money Reasons writes Slow Sale Zone Concerns – This is about the concerns associated with a slow sales zone. You should take this points into consideration when looking into such a consideration.
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.
Hadley @ Epic Finances writes Build or Buy? – Taking the big step to buy a home can be difficult. Buyers are often faced with the decision of whether they want to buy an existing home or build a new one. Here are some things to consider before making that big decision.
Oscar @ Money is the Root writes What Home Loan Is Right For Me? – Buying a home is a huge financial step that permanently changes the household budget for a family. Understanding the different types of home loans before signing any paperwork is a must.
Simon @ Modest Money writes 4 Smart Ways New Homeowners Can Safeguard Their Valuables – One thing you will also want to implement as soon as you can is to have security measures in place for your new home. The better security measures you have in place, the better your chances of escaping theft and or vandalism.
RETIREMENT AND TAXATION
Tushar @ Earn More and Save writes How to Make $100,000 or More Per Year – What would you do if you earned $100,000 or more per year? Well, you could fund an early retirement, take time off work to travel, remodel your home, or save money and start your own business.
Jon @ Novel Investor writes Retirement Planning Guide – Whether you are starting early or playing catch-up, retirement planning is the best way to protect your financial future.