Carnival of Financial Camaraderie- End of Winter Edition

I’m not quite sure if winter is trying to make up so for totally not being present last year, but it seems to be dragging on this year. And I’m slightly sick of it. Its also making driving less fun, and driving me to spend more time indoors (read: malls).

Anyway, here is the carnival this week. There are a lot of great reads.


Bryan @ writes Teaching Kids About Money – If most of us could go back and make one change that would affect our financial lives, I’m sure many of us would take the chance to learn about personal finance at an early age. There is no better time to teach your children about money than when they are young kids. This article highlights some very easy and fun strategies to help your child make smart financial decisions in the future.

Martin @ Studenomics writes How-to Suck Big Time at Saving Money – Common mistakes in trying to save money.

Blogging Banks @ Blogging Banks writes Top tips for first home buyers – When people talk about the most exciting times of their lives, they’re quick to mention graduations, weddings, the births of their children. I’d add one more milestone to that list: the purchase of your first home, which could be an emotional experience.

MMD @ IRA vs 401k Central writes What Are My 401k Investment Options and Choices? – When you receive that packet with all the different 401k investment options to choose from, what does it all mean? This post will help you figure that all out.

Peter @ Bible Money Matters writes Having Goal Based Savings Accounts Helps You to Be More Spontaneous – What I love about planning ahead with goal based savings accounts is that it allows you to be more spontaneous and to jump at opportunities when they arise.

Simon @ Your Wealth Planners writes Simple Ways to Save Money during Recession – We’re all struggling and waiting for this financial black hole to be over, but a few small changes can make it just that little bit easier.




Mike @ The Financial Blogger writes Does Entrepreneurship Get Boring? – What happens when your own business gets boring?

Robert @ Entrepreneurship Life writes Cash Basis vs. Accrual Basis Accounting – When you are starting a new business, accounting may be one of the last issues on your mind. However, when you are getting setup for the first time, it is important to think of the long-term consequences of your accounting method.

Jason @ Live Real Now writes Make Extra Money, Part 5: Domains and Hosting – In this installment of the Make Extra Money series, I’m going to show you how to pick a domain and a host.

Ted Jenkin @ Your Smart Money Moves writes Are Not For Profits Becoming For Profits? – There are many types of businesses that you can begin if you are thinking about starting a career change.

JP @ My Family Finances writes Shopify Guide To Business Incorporation In Canada – Below in my short guide, you will be able to understand the benefits of incorporating your business as well as the issues that arise when trying to successfully incorporate your business.

Wayne @ Young Family Finance writes How to Remotely Incorporate Your Ecommerce Business in Canada – There are many excellent reasons for incorporating your ecommerce business in Canada. Incorporating your ecommerce business in Canada may be a great idea if your business has substantial connections and contacts with Canada, even though you personally reside and work in a different country.

John @ WILD about Finance writes The Role of Analytics in the Banking Sector – The lengths banks are going to get ahead with using the new tools available to them



md @ Start Freelancing Now writes Freaking Crucial Tools That Every Freelancer Needs to Make Money & Stay Focused – Tools that will help you focus and make money.

krantcents @ KrantCents writes Road Map to Success – A Personal Story – Writing about success reminds me of the interview question tell me about yourself? If you are not familiar with this question, it is an interviewer’s question to get the candidate to start talking. Some call it a 60 second commercial! It is supposed to focus on the skills you bring to the job.

Robert @ My Multiple Incomes writes Guest Posting in a Changing Online World – Strategies to get your guest posts accepted

LaTisha @ Young Finances writes 5 Interview Tips for Recent College Graduates – When you’re going on an interview you need to be prepared. Why should we hire you?” These are questions that you should expect to hear on your interview.

GD @ writes Cosigning A Student Loan – For Parents – There are many factors to consider before a parent cosigns a student loan. Here is an in-depth look at what families should consider before cosigning any loan, including student loans, and how to find alternatives.

Jon Haver @ Pay My Student Loans writes Student Loan Forgiveness Programs for Teachers – A teacher has one of the most important jobs there is to be had. The way they talk, write, and present themselves impacts each child they have in a classroom for their entire life. This does not go overlooked by the government. It is a known fact that school is necessary for a child’s development as well as their social skills.

Mr.CBB @ Canadian Budget Binder writes How I Paid Off My OSAP Fast – Student loans after graduating can weigh heavy on the shoulders of anyone who has to carry this debt. Learn how Carla graduated and paid off her student loans in a flash.



Lance @ Money Life and More writes USAA Car Insurance and USAA Bank – Great Products I Use – I’ve only used one car insurance company in my entire life because they are incredibly awesome. That company is USAA. They are amazing in my book. Their rates are the lowest rates I have ever been quoted by any company and I’ve never had any problems with them whatsoever.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes The Overlooked Wealth Building Trait – Become a millionaire with one money behavior and one wealth building trait.

Invest It Wisely @ Invest It Wisely writes Handling the Uncertainty of Self-Employment – Being a self-employed couple, we worried about the normal things like making enough to pay our bills. We had to change our mindsets in order to function well while working from home.

Brad @ Structured Settlement Quotes writes Why Cash Out an Annuity for All Your Money Now? – For most people, the choice of taking an annuity payout seems to make plenty of sense on the surface. Whether your annuity is from lottery winnings or a life insurance policy, it offers long-term financial security and stability, right? That is the theory, at any rate.

MMD @ My Money Design writes Finally a Safe Savings Rate for Your Retirement Formula – We’ve all seen articles that say to save 10%, but how do we know that percentage is really the right number to plug into our personal retirement formula?

Edgar @ Degrees and Debt writes Infographic: Ten Tips to Improve Your Credit Score – Ten Tips to Improve Your Credit Score

Jules Wilson @ Faithful With a Few writes Seven Dangerous Signs that Show your Debts are Out of Control – Debt out of control is one of the biggest problems of the typical American household. Here are 7 signs that your debt is too much for you to handle.



Lazy Man @ Lazy Man and Money writes Save Money on Drinks with SodaStream – I can get carbonation for my SodaStream for around $11 (including tax) for 60 liters of water. That’s about 37 cents for a 2-liter, a good savings over the dollar at my local supermarket. However, it’s always worth asking the question, “Can I do better?” And you can… a lot better.

Little House @ Little House in the Valley writes How Important Is Home Insulation? – By better insulating your home, you actually both contribute to reducing your own carbon footprint… and your energy bills.

Miss T. @ Prairie Eco Thrifter writes Stop Eating Out! Tips to Curb Your Restaurant Spending – There are many ways to stop eating out but these are the four tips that I find the most helpful as I extend my eating out challenge.




Glen Craig @ Free From Broke writes What Are Dividend Aristocrats and What You Need to Know About Them – One group of stocks you hear people investing in are the Dividend Aristocrats. But what are Dividend Aristocrats? See what they are.

Jason Hull @ Hull Financial Planning writes The Tarrant County Tax Sale – It is possible to purchase properties at a discount through tax liens or a tax deed sale. This article examines the process of purchasing a tax deed from Tarrant County, Texas, where Fort Worth is located.

Pete @ Intelligent Speculator writes What Makes A Dividend Yield Safe? – A look at what to consider with your dividend stocks.

Dividend Growth Investor @ Dividend Growth Investor writes Dividend Investors Should Focus on Valuation, not just Dividend Yield – The more experience I get as a dividend investor, the more I realize that attractive valuation in terms of a low P/E is very important. Another equally important factor is to focus on companies which have the plan and business model that would allow them to grow earnings per share over time. Only after these characteristics are met, would I even look at the dividend metrics of a stock.

Lauren @ L Bee and the Money Tree writes To Coupon or Not To Coupon – Do you coupon? Here are my reasons both for and against couponing.

Crystal @ Married (with Debt) writes Moving Out of Town for Your Spouse’s Job – Moving out of town can be an overwhelming, emotional experience… but when you’re pulling up your roots because of your spouse’s job, it’s even tougher.

Tushar @ Start Investing Money writes How Often Do You Review Your Investment Plans? – This Post was Originally published at How Often Do You Review Your Investment Plans? on Start Investing MoneyWe all know how important it is to invest in our futures. For some this may mean investing in new skills so we can earn more money. For others it may mean searching for stocks and bonds that seem likely to bring in the best returns.

FMF @ Free Money Finance writes Build a Dividend Growth Stock Portfolio in 4 Easy Steps – In my previous guest post, I wrote about the reasons why successful investors choose dividend investing as their core strategy. Unfortunately, picking just any dividend stocks is not enough to guarantee that you will make money on the stock market. In order to avoid the dividend traps, it’s important to have a sound investing strategy. Here’s how you can do it in 4 easy steps.

Jester @ The Ultimate Juggle writes To Save Big For Retirement Or Not – Read why I’m starting to really question my current decision to max out retirement savings. Perhaps there is a more balance approach!

Robert @ The College Investor writes How to Judge a Bond Fund’s Performance By its Cover – I’ll go through a few key things to look for to judge a bond fund’s performance, but understand that all of the data points that follow can be found on any ETF issuer’s website, or in the fund prospectus.

Don @ MoneySmartGuides writes Getting Started in Forex Trading – As my readers of my blog know, I am all about passive investing. When it comes to putting money away for the long-term, a good plan is needed that included low cost investments.

Crystal @ Budgeting in the Fun Stuff writes Our Current Retirement Preparations – Ever since we started attacking the rent house mortgage, we put our early retirement on auto-pilot. Now we have to take another look at our retirement planning.

harry campbell @ Your PF Pro writes Should I Buy a House Now While Interest Rates are Still Low? – Over the past few years, many articles I’ve read have repeated the same mantra: “Now is the time to buy real estate.” Interest rates were low and they couldn’t go any lower, whoops, they did. Since purchasing my condo in 2010, I’ve re-financed twice due to mortgage interest rates dropping and although we’re getting closer to 0% than where rates were at 5 years ago, I don’t see any big turnaround in sight.

Maria @ The Money Principle writes What do you do about saving these days? – The Money Principle – What do you do about saving these days?As regular readers will know, we are looking to build an investment portfolio and are therefore becoming interested in the science and practice of storing money – that is, investing. So let me dream for a little, imagine that we have already amassed a stash and want to put it away safely and securely.

Steven @ MyDividendStocks writes Why ETF Dividend Stocks – An Exchange Traded Fund (ETF) is a type of investment instrument which is traded in stock markets like a stock. However, unlike a stock, an ETF is a mutual fund and therefore it owns other stocks on behalf of its subscribers or owners. A Dividend ETF is a type of ETF that specializes in investing in stocks that pay a higher rate of dividend.

Evan @ My Journey to Millions writes Introducing Mini Options Contracts – While traditional options contracts have a multiplier of 100 shares, the new Mini Options Contracts will only have a multiplier of 10 shares. This allows for someone to buy a contract on a higher priced stock that they never would have been able to purchase or a person could purchase additional contracts with a lower amount of shares being owned.

Alice @ Hurricanes, Panties & Dollars writes The Empty Wallet Romantic Evening – You don’t have to rolling in dough to give that special lady in your life a romantic evening to remember. You can do it for cheap with a little bit of effort.

Dividend Growth Investor @ Dividend Growth Investor writes S&P 8000 – The power of reinvested dividends in action – If you take into account reinvested dividends, the S&P 500 index would be above 8,000 points. This is over 5 times the amount of S&P 500 index today.

Kevin @ Passiveincometoretire writes Dividend Stocks and Passive Income – Investing in Dividend Stocks can be a great method to create a truly passive income. Dividend stocks are equities that pay out an amount per year per share you own. An example would be Microsoft (MSFT) they are paying out $0.23 for each share you own. This equates to a 3.31% dividend yield.

Thomas @ FinanceInspired writes How Student Accommodation is Undergoing Revolutionary Changes – Take a look at this fabulous opportunity for investors and how it is trending all over the UK.

Jon @ Novel Investor writes Best ETF Screener Online – The best ETF screener is easy to use and provides free, accurate, up to date information. You can dig even deeper with these free ETF screening tools.



PFC @ PF Carny writes The Starter Emergency Fund – Not everybody has the money or interest needed to have a fully funded emergency fund. How much do you need for an emergency fund? That depends on…

Jen @ Master the Art of Saving writes How to Start Saving Money (Even if you’re always broke) – Each month our debt was growing, so how could I save 10% of nothing or $50 we didn’t have? Everybody has to start somewhere; otherwise they will never start at all. Small changes over time can make a big difference, so if you’re not ready to make dramatic changes to your finances…at least start with baby steps.



Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Should You Use a Real Estate Agent to Sell Your Home? – With real estate prices down in so many markets, if you’re looking to sell your home, you want to get as much from it as possible. One of the ways to do this that is to sell your home without using a real estate agent. This post describes what you will give up and take on if you decide to sell your home on your own.

Michelle @ Making Sense of Cents writes $5,983 in February Extra Income and Goals – Happy Monday everyone! It’s already March and I still can’t believe that 2013 is flying by so quickly. Life is still great and I feel like it gets better every single day. Also, good luck to whoever reads this super lengthy post, it’s definitely a whale of a post.

Mike @ Personal Finance Journey writes 10 simple things you should ask before Forex Trading – The easiest and most obvious questions you should ask before jumping into forex trading.

Tushar @ Earn More and Save writes Don’t Be a Sponge – When you make extra money, don’t absorb it like a sponge! Save it instead.

Amanda L Grossman @ Frugal Confessions writes It Pays to Have Your Small Claims Case on a Court Television Show – Court reality television shows love to arbitrate stereotypical cases to get their paid audience members in an uproar: the snot-nosed teenager who takes his

Tushar @ Finance TUBE writes Choosing The Right Umbrella Company – From ContractorUmbrella to Paymatters, there are thousands of multi-national umbrella companies looking for contractors to sign. As a contractor, choosing the right umbrella company can be a confusing and time consuming task, and at the very least you should be undertaking some detailed research.

Hank @ Money Q&A writes How Behavioral Finance Biases Can Cost You Money – Many of you may not have heard of the term behavioral finance biases, but it is hard to find a point where our minds do not get in the way of our money. It happens all the time.

Kevin @ writes Vacationing on a Budget – Vacationing on a budget is something all of us want to do, but few succeed.

Tony @ We Only Do This Once writes A Beautiful Story About Following Your Passion – For as long as I can remember, I’ve wanted to be a professional musician. I began my quest hoping beyond hope that my desire alone would be enough to magically propel me to stardom. I soon learned that there are no shortcuts to success, no magic wands to wave; and that my desire was just the tip of the iceberg of what was actually needed.

Roger the Amateur Financier @ The Amateur Financier writes Net Worth Update: March 2013 – Well, another month has come and gone by so fast it barely seems to have arrived as all.

Corey @ 20s Finances writes Why Young Adults Need to Use Credit Cards – Using credit cards is a great way to build credit, receive rewards, and protect yourself from fraud. Find out how easy it is to apply.

MR @ Money Reasons writes My Almost New Car And Why It Rocks – Read why I love my (almost) new car and how it was money well spent for the ride!

Kyle @ The Penny Hoarder writes How to Make Money Selling Your iPhone Photos – If you have an iPhone and a photographic eye, making money may have just gotten a lot easier. Oh yeah – you’ll also need access to marketable scenery. There’s a new app called Foap that allows you to turn your iPhone photos into cash. Here’s how it works. You download the free app.

Jennifer Lynn @ Broke-Ass Mommy writes Debt consolidation loans and a handy dandy calculator. – Broke-Ass Mommy is a blog that chronicles the tribulations of being a mother with limited income

Corey @ Steadfast Finances writes Signs of Healthy Finances – I was talking with a friend of mine and he was telling me all about how he is struggling with his finances.

Suba @ Broke Professionals writes My European Vacation: Budgeting for the Trip – I’m budgeting for my European vacation, but learning that a nonstop flight to London may be a luxury I can’t afford.

CAPI @ Creating a Passive Income writes Passive Income: What is it and why should you care? – Passive income is a valuable asset for any family. Find out what it is exactly and how to develop it yourself.

Sam @ Simplefinancialfreedom writes 4 Ways to Obtain Emergency Business Funding Despite Poor Credit – When a company is indebted to multiple creditors and has a history of being late on repayments, the chances of being approved for any type of loan can seem

Jacob @ AllPersonalFinance writes Where to Find Fast Cash Loans in California – Payday loans are the fastest ways to get the money you need to bridge the gap between paydays, but when it comes to shopping around for fast cash loans, many people would like to go directly to a physical location and make sure that everything about the lender is exactly as he or she was told.

Brent @ PersonalFinance-Tips writes Rising debt problems is the main concern of drafting a budget – It has been said by Bob Richards, the Finance Minister to the MPs that Government is going to raise debt ceiling by 2.5 billion and it will be high for all-time. Mr. Richards said that the increase was an indication of the severe state about the financial condition of the country. This was more than $1 billion high on the present debt ceiling.

Jon the Saver @ Free Money Wisdom writes How To Successfully Barter Your Services – Use these strategies to successfully barter your services and make the most amount of money possible.

Daniel @ Sweating the Big Stuff writes How We Made Saving Fun – We set a goal of saving or earning an extra $300 so we could buy an iPad. One small change made all the difference!

SFB @ Simple Finance Blog writes How Much Money Do You Spend On Your Friends? – From a birthday party to wedding gifts, spending money on your friends can reveal how you feel about money – and the people in your life.

A Blinkin @ Funancials writes What Does Ben Bernanke Think About The Economy? – Ben Bernanke appeared on TV to answer questions from the Senate Banking Committee. Specifically, he defended the on-going asset purchases of $85 Billion/month the Federal Reserve is making in order to “support our recovery.” He reassured the general public that the benefits outweigh the potential risks.

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes It’s Time to Spring Clean Your Blog – Spring cleaning shouldn’t just be about clearing out your garage. It means cleaning up everything, including your personal finance or lifestyle blog.

Ashley @ Money Talks Coaching writes Budgeting and Your Priorities – Budgeting helps you live a life that is in line with your priorities. Pretty cool right? Maybe you never thought of it that way but it really does.

Luke @ Learn Bonds writes Are High Yield Bank Loans Better Than High Yield Bonds? – Fear of inflation and rising interest rates have prompted tremendous interest in mutual funds and closed end funds that invest in high yield bank loans.

CT @ Cashtastrophe writes The Danger of Being Reactive With Your Finances – How to Avoid a Cashtastrophe – Save more, spend less, and live a good life

Grayson @ Debt RoundUp writes Too Focused on Money and Losing Focus on Enjoyment? – Everything that I do has been focused on building my wealth and getting on track for retirement. I have been so focused on making more money, saving money, and getting on track that I have forgot to focus on things that I enjoy. I have kept a sharp eye on finances and got blurry vision on my hobbies. I need to get back on track and open my eyes completely. I need to refocus my energy toward my hobbies. Are we too driven by money?

John S @ Frugal Rules writes 4 Simple Ways to Make Filing Taxes Easier Every Year – Very few people enjoy doing and filing their taxes. However, with a few simple steps you can make the process easier every year.

John @ Fearless Men writes FreeTaxUSA Review | Time to get your Tax Return – For 12 months out of the year we dread paying taxes and then we dread having to file taxes. What’s our glimmer of hope? Maybe getting a decent tax return?! With FreeTaxUSA you can file your Federal return for free if you meet certain requirements. Click to find out!

Jules Wilson @ Fat Guy,Skinny Wallet writes Review of Nasoya Pasta Zero Plus: Shirataki Spaghetti – This Shirataki Noodles Review focuses on the new Nasoya Pasta Zero Plus: Shirataki Spaghetti. Do these miracle noodles live up to the hype, or do they fall short?


  1. says

    We’re getting another blast of snow right now as I type this and I just can’t wait until it’s all done and over with. I’m ready for some hot weather to show up. Thanks for including CBB in the carnival. Have a great week! Mr.CBB

  2. Joe Karns says

    Regarding the story about moving because of a spouse getting a new job:
    Me and my fiance are currently in exactly that situation. We lived together in Chicago and I had a great job opportunity in Michigan so we packed everything up and moved 360 miles away from my (extended) family. While things have been trying at times and she is still looking for a job here, we are very happy and we were lucky enough to land in a beautiful area on Lake Michigan. My suggestion: if you get the opportunity to get that new dream job. Go for it!

    Joe in Michigan

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