Welcome to The Carnival of Financial Planning B – The Mother’s Day Edition. If you’ve been living under a rock or have just been super busy, Sunday is Mother’s Day. That’s right, the biggest mail day of the year is here and if you can load your mail truck with bottles, you can make some serious coin in Michigan. That’s a Seinfeld joke for those not in the know. Anyways, tell your mom you love her on Sunday and get her some flowers. You can thank me later. Onto the great posts from around the web!
BUDGETING AND ECONOMICS
Lauren @ L Bee and the Money Tree writes Personal Saving Wisdom from Grandma: The Envelope Budgeting Method – L Bee Note: While I am working today enjoy this guest post from the folks over at Your Finances Simplified, another bang-on PF site. I’ve never used the envelope budgeting method (mostly because I was scared of running out!) but I appreciate the step-by-step how to below.
Mario @ Adventures in Frugal writes What type of frugal are you — simplicity frugal or champagne frugal? – There’s a war for the soul of frugal! Are you a simplicist or a maximizer?
Danielle @ Saving Without a Budget writes Tips on How to Make and Save Extra Money – Every person always toys with the idea of making extra cash and becoming an overnight success.
Bob @ Dwindling Debt writes 4 Places You Should NOT Swipe Your Debit Card – When we hear about massive data breaches at credit report company Experian or a department store like Target, it becomes apparent that debit card problems are spiraling out of control.
Aaron @ Aaron Hung writes It’s Never Too Early: Financial Habits To Build in Your Twenties – Too many students are thrown into college with no understanding of how the real world works and are left to figure it out on their own.
Evan @ The Smaller Dollar writes Frugal Vacation Idea – Go Camping! – For the frugal vacationer a great way to stretch that smaller dollar farther is to pack the tent, grab the cooler, and go camping!
Christine @ CO123 writes Edible Arrangements Fruit Basket Coupon For Mother’s Day – Planning something unique for Mother’s Day can be tough. Flowers are a bit cliché, but why not try a creative fruit bouquet? If you haven’t already seen or tried Edible Arrangement’s beautiful fruit bouquets, check out these Mother’s Day coupon codes to save you money.
CAREER AND INCOME
CAPI @ Creating a Passive Income writes How to Help your Friends with Passive Income – Passive income is a financial stream that is derived from little or no extra effort. Think you’re an expert? Here’s how to help friends with passive income.
Mark Ross @ Money Saving Dude writes 5 Types of Business That You Should Know About – Are you planning to start your very own business, but haven’t decided yet what type of business are you going to start? If you answered “YES“, then you don’t have to look further because I’ve got here different types of business that you can choose from.
DEBT AND CREDIT
Thomas @ i need money ASAP! writes The Best Way To Pay Down Debt – Over the last few years there has been a rise in peer-to-peer lending sites that offer debt consolidation loans that start at just 7%. That means on a $10,000 credit card balance you could save ~$2,300 a year in interest!!!
TW @ Tightwad Travelers writes Travel Hacking Guide – Learn the tips and tricks we use to travel the world for pennies on the dollar
Stephanie @ Six Figures Under writes What We Learned from Using a Balance Transfer to Pay Off Student Loans – We used a credit card balance transfer to pay off $11,000 of federal student loans. Would we do it again? Here’s what we learned from our experience.
INVESTING AND SAVING
Maria @ The Money Principle writes One for the weekend: class and the workings of capitalism – A simplistic chart of how capitalism work and your chance to check which class you belong to.
Wayne @ Young Family Finance writes From Garden to Table: Why Home Gardens are Both Fun and Inexpensive – Interested in having a home garden? From family bonding to inexpensive meals, here are few reasons why planting your own food works.
Michelle @ The Shop My Closet Project writes Why Being #2 Is The Best (Financial) Thing To Happen To The U.S.A. – The American Middle Class had slipped from the # 1 position of being the richest middle class in the world to #2. The thing is the lack of surprise was not a surprise. We already had that feeling. We’re not stupid. We knew that things weren’t going well for the American Middle Class for quite a while
Kyle @ The Penny Hoarder writes How to Make Money Reselling Craigslist Freebies – Maybe you’ve used Craigslist to buy or sell things, but have you ever checked out all of the things that are free? That’s right; there is a section devoted to things which are simply given away. People give things away because it is easier than trying to sell them or bring them to a thrift store as a donation.
Joshua Rodriguez @ CNA Finance writes Top 5 Personal Finance Apps Of 2014 – Joshua goes through his 5 favorite personal finance apps to date and what they do to help with managing money!
John @ firststepfinance writes Seller Tips: How To Make Your Home Irresistible. – Your net worth is most likely made up of the real estate you own. Therefore, you must ensure you get the ultimate deal when it is time to sell. In the following paragraphs, you’ll find tips that will make selling your property a little less overwhelming, and a lot more profitable. Empty your home, as much as possible, before showing it. When you keep your home open and airy for prospective buyers, it makes it easier for them to imagine their own furnishings in the space. Additionally, if you
Daniel @ Make Money Make Cents writes Sexy Stocks: Usually Not Worth It – When you first start talking to people about the stock market, the average reaction by the average individual is to change the topic.
Lenny @ Best Money Saving Blog writes Financial Aid Tips for the Uninitiated – If you are the parent of a child in high school that is rapidly approaching college age, chances are that you have just been introduced to the numbers game that is financial aid.
Justin @ iPlugin writes Should You Own an iPad Air? – Are you looking for a new tablet because your old one has reached the end of its useful life or maybe simply because you want to upgrade to a better device?
Jeremy @ Modest Money writes Expanding the Classroom to Reach Worldwide – Technology has become the new ally of teachers and other classroom administrators when it comes to helping students, of any age, succeed. As technology evolves the classroom will see continual benefits for both students and the teachers that work so hard to prepare them for the world outside the walls of their school.
RISK MANAGEMENT AND INSURANCE
Amy @ Money Mishaps writes Financial Rules for your Life – Part 2 – There is absolutely no denying that money is a big part lives. It is the means to many important ends including security, opportunity, wish fulfillment and even philanthropy.
Lily @ Paying Debt Down writes Better Late Than Never: How to Avoid Late Fees at All Costs – Late fees are fun for no one but they are also very easily avoided.
Sam @ The New Business Blog writes Top 3 Challenges of Running a Small Business – Before leaving your day job to start your own small business, you should first understand the many challenges that you may face as an entrepreneur.
Justin @ Edward Antrobus writes Low Income is Better than No Income: How to Climb Out of the Low Income Bracket – Nowadays low income brings up a negative image. It feels like a curse word to those that have to list it in their paperwork and feels like a scarlet letter.
Cat @ Budget Blonde writes How I Saved Money On My Wedding Dress – After some long and careful thought, I decided to wear my mother’s dress on my wedding day.
REAL ESTATE AND PROPERTY
Dominique Brown @ YourFinancesSimplified writes What is Earnest Money? – This week we’ll continue learning about terms related to real estate and selling or buying a home. If you’ve bought a home before, you’ve probably heard the term earnest money, but if you’re looking for a home for the first time, you may not be aware of this concept.
Crystal @ Married (with Debt) writes Financial Creativity – My wife and I are on the same page when it comes to our financial goals. This has led me to financial creativity. Stealth savings…
Jack @ Money Saving Ethics writes Taking the Leap: When is it Time to Ditch the Lease? – This past decade has paved the way for some very big changes in the housing market, making it both harder to find a home and easier to get financed for one.
Charles @ Getting A Rich Life writes Find Your Financial Freedom Inspiration – Those who are inspired are more likely to stick with their path towards financial independence.
RETIREMENT AND TAXATION
Ted Jenkin @ Your Smart Money Moves writes How Rich Do You Think You Are? – Wealth can be defined in many different ways, but classically it is measured through one’s net worth.
Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.