While many people are out and about trying to score deals for the holidays, I urge you to remember to appreciate all that you have. Sometimes we get caught up in the moment and are short with others, rude, or downright mean. Remember what the holiday season is all about. Here are this week’s entries for the Carnival of Financial Planning.
BUDGETING AND ECONOMICS
Eva Baker @ TeensGotCents writes Paparazzi Business Update – I started a new business in September and spent my entire emergency fund in the process. This is my first paparazzi business update!
Jerry @ The Evergreen Blog writes How to Build Enough Credit to Buy a Car – If you want to finance a car, you first need to establish a credit history. Otherwise, you could face credit denials, or–at best–an exorbitant rate of interest.
Mr.CBB @ Canadian Budget Binder writes How to keep the romance alive on a budget – It’s important to keep the romance alive in a relationship but there are ways to do it and still stick to your budget if you just plan in advance
Ben Luthi @ The Wealth Gospel writes What I Learned About Financial Independence as a Mormon Missionary – My experience as a missionary in Germany was unforgettable. Beyond meeting all the crazies and getting to serve others, I learned a lot about financial independence
Alexis @ FITnancials writes How To Have Less Debt From College – This topic really interests me, How to save debt from college. College is very expensive. I don’t think there are many people out there who think that college is expensive.
Daniel @ Make Money Make Cents writes It’s Time To Stop Trying to Keep Up With The Joneses – Keeping up with the Joneses is the phenomenon of using your neighbors as a standard for which to compare your own life and material goods.
Danielle @ Saving Without a Budget writes The Top Survey Sites for Making a Little Extra Cash – Many people ask us about survey sites that we recommend and which ones they are. The fact is however that survey sites are not really a particularly good way to make money.
Jack @ Money Saving Ethics writes http://www.moneysavingethics.com/old-fashioned-money-saving-tips-that-still-work/ – These days everyone is looking for newfangled ways to save money and, in the rush to do it, some people overlook old-fashioned tips and tricks that have been around for ages.
Bob @ Dwindling Debt writes Here are 4 Fees that you actually Should Pay – There are a handful of fees that it actually pays you to pay (no pun intended) and our little blog today will let you know what they are and why you should do it. Enjoy.
Holly @ Club Thrifty writes 5 Ridiculous Gifts I’m Not Getting My Kids – As the mother of two toddler daughters, I am horrified by some of the toys I have seen in stores. Read this post for 5 ridiculous gifts I will not be buying.
Alexa @ Single Moms Income writes 5 Practical Christmas Gifts for Kids – If you want to save money and buy Christmas gifts kids will love, you need practical gifts. Here is a list of five practical Christmas gifts for kids.
Jason @ The Money Makers writes Olivia Wilde is Having a Baby: What are the first-month expenses? – Olivia Wilde recently announced her pregnancy with fiance Jason Sudeikis as she is due with her first child in the coming year. Although the couple have declined to reveal their due date, they likely are expecting to set aside a budget for their baby, even with their high incomes.
Andy Prescott @ Art of Being Cheap writes Review of the Moto X and Republic Wireless smartphone plan – A review of the Moto X from Republic Wireless. This phone comes with the cheapest plan in the phone industry, but how does it work? I tested it out and the results are amazing.
Little House @ Little House in the Valley writes Ways to Save Money by Shopping Online for Holiday Gifts – Shopping online can often give you great deals that aren’t available in stores. This holiday season, you can save lots of money if you do the bulk of your holiday shopping online.
CAREER AND INCOME
Roger the Amateur Financier @ The Amateur Financier writes Save Money While Job Hunting: A Few Simple Tips – A contribution discussing some ways to keep your cost of going to interviews and job hunting to a minimum while you are getting a number…
Luke @ Learn Bonds writes Two Moderately-Aggressive Asset Allocations For Income-Focused Investors – A look at 2 moderate risk asset allocation models for those who want to have a higher yield while being able to withstand risk in maturities.
Jessica Moorhouse @ Mo’ Money Mo’ Houses writes Career Lessons from Sheryl Sandberg’s Lean In – I just finished reading Sheryl Sandberg’s Lean In and wow was it inspiring. She touches on a number of career related issues specific to women in the workplace that I don’t think anyone has ever really written about. I’m going to go through a few important lessons I learned from Sandberg’s book about being a woman in today’s workplace and becoming a leader in the future.
Michelle @ Diversified Finances writes Tips To Land That Online Job – Something that I am e-mailed a good amount about is how a person can land an online job. I have had a decent amount of online jobs, and I’m always out there looking for new ones. I feel like a professional in applying for online jobs!
GenY @ Gen Y Finances writes Does Everyone Need an Emergency Fund? – You’ve probably heard more times than you can count that you should have savings put away for a rainy day. You may have also heard the old phrase that one size does not fit all.
Adam @ Money Rebound writes Who Are the Richest Fictional Characters of All Time? – Fictional characters that made you wish you had their riches when you were younger.
DEBT AND CREDIT
Michelle @ The Shop My Closet Project writes Life in the Red-A tale of being in debt – I have spent my entire adult life living life in “The Red”. When I say in “The Red”. I mean in debt. When you talk living paycheck to paycheck I get it. I get juggling bills and money around to see what I have in the bank and in my pocket so that I can pay things off.
Brent @ PersonalFinance-Tips writes 6 Tricks To Help You Get Out Of Debt Quickly – Debt is something that the majority of people today have to deal with, which is unfortunate. With this being said, if you do have debt, there are simple things you can do to increase the rate at which you are able to pay it off. Below are six tricks to help you reach a debt free lifestyle as quickly as possible.
Dominique Brown @ YourFinancesSimplified writes I Don’t Borrow-Why Should I Worry About My Credit Score? – People who don’t worry about their credit report and credit score are being short-sighted.
Kyle @ The Penny Hoarder writes Long-term vs. Short-term Small Business Loans – Learn about the key differences between short-term loans and long-term loans. No matter what kind of business you have, this information will help you determine which small business loans can best benefit your bottom line.
Oscar @ Money is the Root writes Harmless? Hardly. These things can Negatively affect your Credit Score. – Most consumers are so busy looking out for the big mistakes that can cause credit problems that they completely overlook small but equally damaging problems that can pop up every day.
Monica @ Monica On Money writes How To Graduate College Debt Free – It might be hard to believe, but it is entirely possible to graduate from college debt-free. Think about how amazing it would be to start your new career without worrying about paying off student loans.
Jon Haver @ Pay My Student Loans writes 5 Ways to Pay for College – Aspiring students know that a college education is considered valuable in business, but getting a degree can cost tens of thousands of dollars – money most young adults do not have.
INVESTING AND SAVING
Debt Guru @ Debt Free Blog writes Hand Me Downs: Why They Win the Battle of New VS Used – Need clothes for your child? Consider the money savers that are hand me downs, or even used clothing from other sources, instead of buying new.
SBB @ Simple Budget Blog writes Ready, Set, Shop! Tips on Getting Through the Holiday Shopping Season – The things to watch out for as you begin your annual holiday shopping experience.
Daisy @ Suburban Finance writes Want to Learn About Personal Finance? Play Monopoly – According to dictionary.com, the term -monopoly- is defined as “exclusive control of a commodity or service in a particular market or a control that makes possible the manipulation of prices.” I highly doubt I knew what that meant when I was younger, but read what I learned.
Tushar @ Start Investing Money writes Should You Blow Your Savings on Christmas? – This has to be one of the most tempting times of the year. It’s like a diet you stay on for 95% of the duration, only to fall at the final hurdle and let yourself down during those last few days that could have made a real difference.
Ryan @ Cash Money Life writes Take the Stress Out of Christmas Shopping – Christmas shopping can be an expensive and stressful event! Use these tips to make your shopping list, set a budget, and the reduce stress of the season!
Lindy @ Minting Nickels writes Top Mistakes to Avoid in Online Forex Trading – There are plenty of places that tell you what you should do when you’re trading Forex online, but not as many telling you what you shouldn’t.
Bargain Babe @ BargainBabe.com writes 9 More Ways to Stay Warm Without Turning the Heat On – 9 More Ways to Stay Warm Without Turning the Heat On
Tushar @ Earn More and Save writes 3 Reasons Why Bargain Shopping is Bad for Your Wallet – The economy is still shaky for the most part and everyone wants to be a bargain shopper nowadays. The problem? Bargain shopping can often be bad for your wallet. Here’s why.
CAPI @ Creating a Passive Income writes Getting a Kickstart: How to Use Donation Sites – Most people are either unaware of or are reluctant to use donation sites. For some, this may seem like virtual panhandling, but the exact opposite is true.
Arnel Ariate @ Money Soldiers writes 4 Major Reasons You Don’t Really Need to Hire a Financial Advisor – The fact is that most people don’t really need a financial advisor, and most of the things that you’d be paying a financial advisor to do for you are things that you could do yourself.
Daisy @ When Life Give You Lemons writes We’re Doing Big Things to Tame Our Heating Bill – We hate our heating bill, and we are doing a lot to lower it. Here are some of the steps we have taken.
Hadley @ Epic Finances writes Thinking about purchasing Aflac Stock? Now may be a very good time – Aflac is, right now, an excellent buy due to its recent post earnings pullback and, in our opinion, could easily be chosen over other insurance rivals like The Hartford and Berkshire Hathaway.
Katie @ IRA Basics writes The Secret of Saving for Your First Deposit – Are you ready to become a homeowner and do not fancy a no-deposit home loan? Then the biggest obstacle standing in your way is the first deposit or down payment.
Graham @ Moneystepper writes Peer-to-peer lending – Funding Circle experiment – Funding circle review – With dismal savings rates, peer-to-peer lending is booming. However, peer-to-business may be a better opportunity for investors.
Justin @ Edward Antrobus writes Dump your Mutual Fund if they do these 4 things. – The simple fact about investing in mutual funds is that it does take a bit of work, time and energy to do it right.
John @ Frugal Rules writes Tradeking Review: An Online Brokerage Worth Considering – Investing in the stock market is vital to building wealth and with the variety of options available of where to invest it can be confusing. Choosing a good brokerage that has good offering and low fees can be a great way to help grow your retirement portfolio and get your investing on the right foot.
RISK MANAGEMENT AND INSURANCE
Corey @ Steadfast Finances writes Reasons to Get Life Insurance – I was talking to a friend of mine the other day who is almost 3o and his wife is pregnant. When I asked him what type of life insurance he had, he looked puzzled. “Surely you have life insurance at your age, with a child on the way?” I asked him. I was shocked to find out that he did not think he needed life insurance because he was ONLY 30.
Christopher @ This That and The MBA writes Six Reasons Why Construction Contractors Absolutely Need Contractor’s Insurance – Having contractor’s insurance can be a wonderful way to protect your company and its assets. There are six major reasons why you should consider having liability insurance for your company and why it is essential to have this type of coverage.
REAL ESTATE AND PROPERTY
Cat Alford @ Budget Blonde writes Wow, It’s Really Hard To Save Money Here! – Now that I’ve been back in the U.S. I’ve been spending money left and right. It’s really hard to save money here! There are so many unexpected expenses!
Mike @ Personal Finance Journey writes 5 Costly Mistakes Contractors Make When Starting a Home Remodel Project – 5 simple but easy to follow ways to avoid making mistakes and costing yourself money during a home renovation.
Crystal @ Married (with Debt) writes I Bought a New TV – I just bought myself a new TV. There wasn’t anything wrong with my old TV. I just wanted a new one. Before you start typing, let me explain.
RETIREMENT AND TAXATION
PPlan @ Provident Plan writes Is Income Protection Necessary? – My wife and I have finally gotten to a point where we are earning a decent amount more than our expenses.