Welcome to the 35th edition of the Carnival of Financial Independence, a selection of the best articles related to Financial Independence this week. If you would like to be included next week, please submit your post via Blogger Carnivals. If you would like to host for a future edition, you can contact Pauline at Reach Financial Independence.
The guidelines are:
- You can submit a post that was published during the last month
- The posts have to relate to reaching financial independence, and fit within the following categories: Savings and Simple living, Travel and Lifestyle, Wealth and Passive income, Real Estate and Investing, or Self employment.
- Submit by Wednesday night for the Saturday edition
- Please mention the carnival in your roundups if you have been featured!
Travel and Lifestyle
Pauline @ Reach Financial Independence writes European trip update, Northern Spain leg – Here is my European trip update and our bike trip recap through Northern Spain!
Eva Baker @ TeensGotCents writes A New Spin On Gift Registries – Shopping With Sarah – Sarah has an inspired idea to share with all the girls (and the guys extra secure in their manliness). See how gift registries can prepare you for life!
Robert @ The College Investor writes Is It Time to Subscribe to Netflix? – After Netflix (NASDAQ: NFLX) announced it’s third-quarter results on Monday, stock shares of the Los Gatos, California based company closed at an all-time high of $354.99.
Marissa @ Thirty Six Months writes Things You Didn’t Know About Fall Fashion – Are you heading to the mall this fall? Here are some very interesting facts about shopping habits this fall.
Natalie @ Debt and the Girl writes Having the Poverty Mentality and How it Affects your Finances – It is basically the feeling you get of feeling poor even when your situation dictates otherwise. It is a strange feeling and one that has been causing me some stress lately. I do not know if anyone has ever had this feeling but it can be quite jarring.
Alexa @ Single Moms Income writes Why This Penny Pincher Just Spent $600 On an Online Course – I have a confession, albeit a good one. I just spent $600 on an online course.
Alexa @ Defeat Our Debt writes Are These 3 Things Preventing You From Becoming Debt Free? – The journey to paying off debt can often be a long one. Depending on the amount of debt you have it could take months, or even years, to pay it back. And, paying off debt comes with its fair share of struggles
Graham @ Moneystepper writes Real wages in the UK – how inflation is impacting your salary – Real wages in the UK – how inflation is impacting your salary
Buck @ Buck Inspire writes Missed Opportunities Are Not Losses Or Failures, Baby! – Last week in Las Vegas, I did more than just hotel hopping. Late one night or early one morning, depending on how you look at it, I moseyed up to a blackjack table. Since I am a high roller, the table minimum was five dollars.
Marissa @ Finance Triggers writes Cheap Places to Travel this Fall – With summer winding to an end, there is no better time to take advantage of cheap travel rates. Hotels, airlines, and other players in the travel industry are feeling the post-Summer slump and are looking for ways to encourage travel. Here are a few venues to explore when looking for some extra savings on your fall travels.
Bob @ Dwindling Debt writes Can you Really Go Contract Free with your Smart Phone? – Today there are plenty of options that you can take advantage of once your current phone contract has expired.
Amy @ Money Mishaps writes Airline Fees That Might Actually Be Worth Paying For – While most people are loathe to pay anything extra when traveling by plane, especially considering that it is so darned expensive already, there are actually a few extras that might be worth paying for.
Lindy @ Minting Nickels writes Online Casino Taboos You Should Break – When in a difficult financial situation, there are some activities that are considered inappropriate – almost a ‘taboo’ – in the eyes of society.
Oscar @ Money is the Root writes College Life: On-Campus Dorms versus Commuting from Home – Now is the time to go through the pros and cons of each option so you can decide what would work best for you.
Maria @ The Money Principle writes Salary Guides: a useful tool for employees and employers – Salary guides are useful tools for both employees and employers; for now these are produced for ‘the professions’.
Don @ MoneySmartGuides writes Essential Steps for Protecting Yourself in a Bankruptcy Proceeding – In this article are the steps to take to protect yourself in a bankruptcy proceeding.
Mr. Frenzy @ Frenzied Finances writes Freebies: 10 Ways to Get Free Stuff Online – Nothing’s better than free! Especially from the convenience of our computers. Read here for tips on where to find online freebies and get some free stuff!
Suba @ Broke Professionals writes Medicare – Turning 65 – Medicare – Turning 65 is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed.
Mike @ Personal Finance Journey writes One Man’s Trash is Another Man’s Treasure – Did you know how easy it is to make extra cash by selling items you no longer use? Simple ways to make this happen.
Minimalist @ Minimalist Finance writes How Sleeping Well Can Help Your Finances – Sleep is a very important aspect of our lives. Whether or not we have a good night’s sleep can determine our performance at work, our cognitive ability, and even the choices we make about food. Without a good night’s sleep, it’s difficult to focus and to stay motivated.
Jester @ The Ultimate Juggle writes Home Financial Education Tips For Raising Kids – This is a list of 4 ways that I’m teaching my kids how to handle and manage money. So far, it has been very successful.
Cat Alford @ Budget Blonde writes How to Handle Winning the Lottery or Any Financial Windfall – There are right ways and wrong ways to handle winning the lottery or getting a huge inheritance check. See the steps you should take if you’re the lucky one!
Ryan @ Cash Money Life writes How to Know if a Bank is Safe – Bank safety is essential. You should only trust you money with a bank or credit union that is insured by the FDIC or NCUA. Learn how to verify deposits.
Mrs. Accountability @ Out of Debt Again writes Trimming Daily or Impulse Habits – Do you kick off the day with a $2 cup of Joe? Or buy a $5 pack of cigarettes every day? Do you grab a pack of gum at the grocery store…
Crystal @ Budgeting in the Fun Stuff writes The Minimalism-Personal Finance Connection – For years I didn’t want anything to do with minimalism. I love my stuff and I had no intention of getting rid of it all. Then I started down the rabbit hole.
Wayne @ Young Family Finance writes Young Gourd Finance: How to Diversify your Halloween Pumpkin Purchase – More of what your family sees in parking lots and markets is in the orange and green range. Of course, I’m talking about the pumpkin!
Tushar @ Start Investing Money writes Opening Prices for Twitter Shares Announced – After months of speculation the prices have been set for the opening selection of Twitter shares. These have been announced as falling between $17 and $20 each. Many experts have seen this as a smart and cautious move by the social networking site.
Wealth and Passive Income
Danielle @ Saving Without a Budget writes Are You Going to be Able to Retire Some Day? – According to financial services company HSBC, almost 20% of all Americans surveyed by them recently believe that they will never be able to retire and will keep working until the day they die.
Pauline @ Make Money Your Way writes Make money renting your car or vehicle -This post will show you on how to make money by renting your car or vehicle.
Adam @ Money Rebound writes The Things Lying Around Your House That Are Worth Money – Making easy money by selling the cluttter in your house right now.
John @ Frugal Rules writes Protecting Your Retirement Funds in These Volatile Economic Times – Whenever you invest in the stock market, it’s important to be aware of current economic conditions and how they may impact your retirement portfolio as you seek to build wealth that’ll last for the long run.
saverspender @ Save. Spend. Splurge. writes You can get more money if you are unemployed in France – You can get more money if you are unemployed in France
Corey @ 20s Finances writes How to Retire With Rental Properties – Many people doubt the power of real estate, but I prove beyond a shadow of a doubt that it’s possible to retire with rental properties.
JC @ Passive-Income-Pursuit writes 2013 Goals – 3rd Quarter Update – I’m a firm believer in setting measurable goals if you want to make a change in your life, especially when it comes to your finances. Setting goals allows you to see where you stand and lets you develop a plan on how to get to where you want to be. In this post I take a look at how I’ve progressed on my goals for 2013. Lots to like and still some left to achieve.
Dividend Growth Investor @ Dividend Growth Investor writes My Retirement Strategy for Tax-Free Income – I am maxing out my 401K, and maximizing tax efficiency of my investments. The goal is to get a tax deduction today, then rollover the money in a Roth IRA when I retire, while paying a lower amount of taxes in the process.
Dominique Brown @ YourFinancesSimplified writes Don’t Do As They Say? The Hidden Secret to Wealth – looking at all those rich people and wondering why they are rich and you are not. Is there some secret to wealth that these rich people know and use?
Tushar @ Earn More and Save writes 3 Steps for Maxing Out Your Roth IRA in Record Time – If you hope to one day retire you need to start saving now. And a Roth IRA is a perfect place to stash those retirement savings. The withdrawals you take from your Roth IRA during retirement are tax free since the money you are contributing has already been taxed.
FI Pilgrim @ FI Journey writes Enhance The Flavor Of Your Elephant – Financial independence is a big goal to shoot for, so how do you keep the road fun and interesting? Here are some ideas on how to enjoy your elephant.
Matt Becker @ Mom and Dad Money writes Make Your Money Grow Faster: Investing Better vs. Earning More – Whatever your particular financial goals, there is often a desire to find a way to make your money grow faster so that you can meet your goals along the timeline that fits your needs. So what’s the best way to do it? Well, I ran I little experiment comparing two options: investing better and earning more. Let’s find out which one is more effective.
Real Estate and Investing
Jack @ Money Saving Ethics writes 5 Things You Shouldn’t Look for in Your New Home – One of the most important aspects is to actually find the right house for you, something that can be exceedingly difficult for first-time buyers who do not have the experience of knowing exactly what they want.
Mr. Big Day Coming @ Big Day Coming writes What is a 401k? – A simple primer on what a 401k plan is, what benefits it gives employees, eligibility, and limits on contributions and withdrawals.
Hadley @ Epic Finances writes Five Steps to Help you Understand the Bond Market – One of the hardest things to understand for newcomers to the holy trinity of investing (cash, stocks and bonds) are the basic rules and the relatively intricate nuances that all three hold.
Larry @ KrantCents writes Why No One Cares What You Think about Investment Plan (and How to Stop Being so Freaking Boring) – Extreme retirement is a term used by financial gurus and is a technique used to catch up when you have started saving at a later time in your life.
ETZ25 @ Entertainment Timez writes Thoughts on a Dividend Stream For Entertainment – I hash out my plan of attack for the future dividend stream for entertainment.
Corey @ Steadfast Finances writes Quick and Easy House Sales which are Also Cost Effective – In my experience the selling of a property is never a straightforward one, and as time drags on with no completion it starts to cause stress. This is not how it should be, as selling a property should be an exciting time in your life as it means that you are moving to somewhere new.
Crystal @ Married (with Debt) writes My Parents versus Me – I have come to realize, as I was wrapping up my mother’s estate, that my parents probably were not the best money managers.
IMB @ Investing Money writes Investing in ETFs for High Dividend Yields – ETFs are similar to mutual funds but offer several advantages. Read here for more information on investing in ETFs and its rising relevance.
Chad @ The Stock Market and I writes Know When to Fold ‘Em – A look at how the psychological factor of denial can influence decision making around your investments
Adam @ Money Bulldog writes 4 of the Worst Investments You Could Make – Investments are indeed a big deal to most people, choosing the right ones early on can make a huge difference in your life.
J Rodriguez @ Modest Money writes How To Choose The Best Online Investment Platform – Investing is important, we all know we should do it, and many of us already do. However, if you don’t invest, or want to change platforms, you may find all of the different options available to you to be a bit confusing. So, how do you go about choosing one?
Little House @ Little House in the Valley writes Do You Know What Monthly House Payment You Can Afford? – If you are getting ready to purchase a new home, one of the very first questions you will be asked by your Loan Officer when you speak to them for the first time is: How much of a monthly house payment do you think you can afford?
Self employment and Career
Michelle @ The Shop My Closet Project writes Personal Finance Blogger Hell-Never achieving my financial goals – There is a blog that I read from time to time and have read for the past year or so. Each time I check out a post, I’m hoping and praying that things have begun to turn around for this blogger. They never seem to. About six months ago I began to notice something-they were still at the point where they had started when they had begun writing the blog a number of years ago.
Dollar @ Easy Extra Dollar writes Affiliate Marketing – Earning Money Through Work From Home – Working from home or home-based work is one of the most popular ways in making money since loads of opportunities are also offer to those who are willing to spend their time in performing the tasks required by the clients. One of the very well-known online jobs that people are engaging now is the affiliate marketing.
Christopher @ This That and The MBA writes 4 Ways to Grow Into Financial Independence – Becoming financially independent from your parents can seem daunting. For many, it means getting a job, moving out, opening a personal checking account[HG1] , establishing credit, and saving. This can be a tall order for those who have no experience with finances or living on their own.
Jon Haver @ Pay My Student Loans writes 00 Military Education Grants and Scholarships – A grant is a gift and does not have to be repaid… a Loan must be repaid…usually after you are no longer in college on at least a half time basis. However, there are some grants that have some requirement attached to it…such as community service.
Hank @ Money Q&A writes Things To Remember When Setting Up Your Business – There are a few important things to remember when setting up your business. Some of the main ones are listed here to help you get started in setting up your business.
Roger the Amateur Financier @ The Amateur Financier writes Breaking Into Business When You’re Broke – A guide for helping you get into businesswhen you have no money available to fund your business, including do-it-yourself, work from home, and crowdfunding.
CAPI @ Creating a Passive Income writes Getting The Job: How to Boost Your Resume – Your resume is the key to unlock the door to opportunity. In order to unlock the door you need the right key.
Robert @ Beat The 9 to 5 writes Should You Accept a Promotion If It’s Not Your Dream? – In my offline world, though, something interesting in happening. The bottom line is that I may get a promotion. Nothing life changing, but a nice bump in pay, a bit more responsibility, and the like. It’s supposed to be one of those positions that are stepping stones to the next big thing. Very cool and all, but that’s where the dilemma lies.
Ben Luthi @ The Wealth Gospel writes Why are You a Failure? – 4 reasons why we fail based on an experience I’ve had over the last year being un- and underemployed
Connie @ Savvy With Saving writes How I’m Side Hustlin’ – How I Made $400 of Extra Income In October
Adam @ Travel Ideaz writes 5 Things Rio de Janeiro Taught Me about Myself – Experiences are everything when it comes to traveling and trying everything out are priceless memories.
saverspender @ Save. Spend. Splurge. writes The reality of becoming an independent freelancer – The reality of becoming an independent freelancer
Holly @ Club Thrifty writes Being Unemployed Sucks: What I Learned – For those of you who may not know, I attempted a career in the insurance and financial sales industry…and failed miserably. Although my intentions were good, I hated it.
Barbara Friedberg @ Barbara Friedberg Personal Finance writes 3 Simple Tips To Become A Successful Investor – Investing should be like watching grass grow or paint dry. If you want excitement, take $1,000 and go to Las Vegas.
Sam @ The New Business Blog writes Online Marketing Tips for the Entrepreneur – We put together a list of some excellent online marketing tips that every entrepreneur can use to build client lists, attract visitors to their websites and increase profits.
Michael Kitces @ Nerd’s Eye View writes Using I Bonds To Hedge Inflation And Rising Rates In Your Portfolio – Just over 15 years ago, the US Treasury began to offer I Bonds – a unique form of bond that pays interest adjusted each year for inflation. In the face of potential rising inflation, I Bonds may be especially appealing, though, as they provide a principal guarantee that ensures their value will not decline, even if/when/as rates rise!
Jacob @ AllPersonalFinance writes Building a brand for a small business – taking the right steps – The brand is a concept which defines all the thoughts, images, impressions and, generally, everything people see and hear about your certain product or your company, as a whole.
Monica @ Monica On Money writes How To Negotiate Lower Prices On Anything – Sometimes asking for lower prices is not that easy and can even be a little intimidating. Keep reading to learn how to negotiate lower prices on anything!
Rich @ Growing Money Smart writes The Power Of Realizing When You are Wrong, and Recovering – If you can master realizing when you are wrong, I think you can grow from it. Even the most intelligent of us make mistakes, but believing you are always right hurts your prospects in life.
Bargain Babe @ BargainBabe.com writes Should I Reveal My Net Worth? – Should I Reveal My Net Worth? offers tips on saving money every day.
SFB @ Simple Finance Blog writes How To Survive Office Politics – Everyone in an office environment is most likely to experience office politics in some form or the other.
Saving and Simple Living
Tushar Mathur @ Everything Finance writes 5 Secrets of Successful Savers – Are you a saver or a spender? You might think the preference to be a saver or spender is hard wired from the time you’re born, but there are actually seve
Ted Jenkin @ Your Smart Money Moves writes 5 Ways to Save Money on Braces – As someone who regularly gets to work with families to plan their finances and prepare for expenses like a child’s college education, I increasingly find m
Claire @ ReadyForZero Blog writes Prevent Food Waste and Save Money With These Easy Tricks – Americans toss 40% of their groceries! That means food wasted and money wasted. This article shares some tips to help you prevent food spoilage and save money as a result!
Debt Guru @ Debt Free Blog writes The Rough Patch: Loan Alternatives in Tricky Times – Times are tough now – it’s a good idea to look into loan alternatives, so what are your options? Read here for tips on how to find loan alternatives.
Lauren @ L Bee and the Money Tree writes Anniversaries on a Budget – A few ideas on how to have an awesome yet moderately priced anniversary celebration.
Luke @ Learn Bonds writes Person-to-Person Loans – An overview of person-to-person loans which are also known as peer to peer or consumer loans. How they work for both the borrower and lender.
PPlan @ Provident Plan writes Steps to Get Out of Debt – Getting out of debt is only a matter of a few steps, but that doesn’t make it easy.
Daisy @ Suburban Finance writes How to Choose the Right Budgeting Software for You – You have a lot of options nowadays when it comes to choosing a budgeting software that can help your family (small or large) make the most of its income. There are free platforms like Mint that track and monitor your … Continue reading →How to Choose the Right Budgeting Software for You is a post from: Suburban Finance.
Tushar @ Finance TUBE writes Three simple ways for a business to save money in 2014 – Every other day seems to bring news of a price hike for one essential expense or another, and this means most people are looking to make savings without cutting corners. Careful budgeting is even more important for a business than it is for household expenditure.
PK @ Don’t Quit Your Day Job… writes How Much Do People Save, by Income? – The relationship between income and savings? Up and to the right – like any good graph. Herein lies CEX data on American saving habits in 2012!
Daniel @ Make Money Make Cents writes Pay your Bills to Save Money? Yes, you can – By implementing these tips you will actually save money while paying your bills and also save yourself quite a bit of time and stress as well.
SBB @ Simple Budget Blog writes Freelance Budgeting: How to Budget Your Self-Published Book – The publishing industry must make room for self publishing! What you need to categorize in order to put out and market your self-published book.
Sustainable PF @ Sustainable Personal Finance writes Adopting Minimalist Principles to Save Money and Live Sustainability – Congratulations! You have just finished paying for a wedding, which means you just spent the equivalent of a home down payment or a year of college on a single day. Now that the wedding’s all taken care of, your major expenses are over, right?
Jacob @ Cash Cow Couple writes American Express High Yield Savings Account Review – If you’re tired of earning zero interest from your checking account, check out this American Express High Yield Savings Account Review for a better option.
Anton Ivanov @ Dreams Cash True writes Money Saving Tips – Taking Advantage of Credit Card Rewards – Credit card rewards are a great way to get extra money or other cool perks. Learn how to take advantage of your credit card rewards program.
Justin @ Root of Good @ Root of Good writes Be Your Own Insurance Company – Justin at Root of Good explains how to take on a large number of small risks throughout one’s financial life in order to cut out wasteful spending on unnecessary insurance.
Adam Kamerer @ Stop Worrying About Money writes 5 Christmas Gift Ideas For Friends and Family Who Struggle With Money – No one likes seeing family or friends struggle under mountains of debt and other financial woes. It is even worse when Christmas rolls around.
Lily @ Paying Debt Down writes The Best Car Price Negotiation Tips – The average person absolutely dreads purchasing a new car for one simple reason; negotiating for the price. Successfully negotiating an excellent price on a new car entails some research, commitment, the right attitude and more than a little bit of patience.
Thank you for reading, have a great weekend!