We have a special Saturday post for you guys today. I have the privilege of hosting the carnival of financial camaraderie today. There are a lot of great posts here that I think you guys will really enjoy. After your food induced coma and black Friday madness (if you participated), this will be a good way to unwind and enjoy some great articles. Happy reading everybody.
GenY @ Gen Y Finances writes How to Negotiate Lower Rent – Where you live is in important. It often times not only determines your lifestyle, but it consumes a majority of your income as well. Fortunately as a renter, you have a bit more negotiating power than that of a homeowner in terms of how much you will end up paying each month.
Sam @ Grad Money Matters writes Should You Advertise Your Company On Groupon? – The other day I received an email from a potential client asking if her company should use Groupon to advertise her business. It can be a hard decision. I’ve seen Groupon work very well for some companies, and then for others I have heard a few horror stories where Groupon did not help their company at all, and actually cost their company money.
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.
Brock Kernin @ Clever Dude writes Budgeting for the Holidays Late, Again – Every year I plan to save up for the holidays early, but as usual, I’m Budgeting for the Holidays Late.
Daisy @ Suburban Finance writes Want to Learn About Personal Finance? Play Monopoly – In my opinion, Monopoly is the ONE game that sheds light on several aspects of personal finance. It makes you think about money. How to manage your money. How to build wealth. Risk tolerance. Knowing when to take a risk. Buying, owning and investing in real estate. It is a game that can be used as a tool to teach kids and adults about how important it is to manage your money and grow your wealth.
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.
Jay @ Daily Fuel Economy Tip writes Five Ways for Parents to Save on Tutoring – You may be starting to notice your child’s strengths and weaknesses in school, as far as grades go. There is a solution: tutoring.
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.
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.
May @ Messy Money writes Destination Wedding Dilemma – A close family member is getting married in April. The bride and groom have decided to hold a destination wedding and we, all 4 of us, are invited. The cost of the trip is $5,675. Am I a Scrooge because paying for this trip is giving me panic attacks?
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.
mel @ brokeGIRLrich writes Five Dolla’ Make You Holla’Day Series: Teachers & Hostesses – A post about how to keep the holidays thrifty – focusing on gifts for teachers & hostesses
Hank @ Money Q&A writes How You Can Save A Ton Of Money With Coupons This Holiday Season – You don’t have to go to extreme measures to make coupons, coupon codes, and deals help you and your family save money with coupons. Here are some great tips to save a ton!
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!
Jon Rhodes @ Affiliate Help writes How To Make Money Online Around Christmas – You can make money online this Christmas with these tried and tested tips.
Christopher @ This That and The MBA writes Setting Up Your Home Business – It’s no surprise that in such situation home businesses are flourishing: 23 percent of the country’s businesses are now home-based, according to data from the Federation of Small Businesses. Rather than looking for a job that doesn’t seem to be there, many people have resorted to going it alone.
Dollar @ Easy Extra Dollar writes How To Make Money Online: Start An Online Business – Similar to the informational commercials on television, these websites will be making a pitch, focusing mainly on education potential clients on the benefits of the services or products being sold. Unlike commercials, this kind of online business method is short on pictures and long on copy.
CAREER & EDUCATION
SFB @ Simple Finance Blog writes How to Set Yourself Up To Be a Financial Success When Starting the First Job—— – Whenever anyone starts out at their first job, it is a process of learning few significant lessons in order to succeed in the real world.
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…
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!
Marissa @ Thirty Six Months writes The Joys of Being a Freelancer – While I do not consider my consider my consulting role that of a freelancer, I have, at times, taken on freelance clients for various projects. The beauty of being a freelance is not necessarily the freedom to work wherever you want, but more so the ability to work with whomever you feel is a great fit.
Adam @ Money Bulldog writes 5 Signs You Chose the Wrong Career – Do you find yourself getting bored at work way too often? Maybe it’s time to switch career paths.
John @ Frugal Rules writes Do You Have Regrets About Going to College? – With the rising cost of college, some now regret having gone when they end up in loads of student loan debt. With a little planning and outside of the box thinking you may be able to cut down on some of those costs so as to avoid as much regret.
Pauline @ Make Money Your Way writes I bought another PF blog! – I just bought a third PF blog, here are the details of how to value a blog and the expected returns!
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.
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
Ben Luthi @ The Wealth Gospel writes Changing Your Behavior Isn’t Enough – If you want to obtain financial security, it’s not enough to change your behavior. You have to change your nature.
Michael Kitces @ Nerd’s Eye View writes The Idiocy Of The IPO Price Pop – The whole point of an IPO is for a company to sell off a piece of itself, raising money to help invest for its future growth. Which actually means companies that have a big price
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.
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.
Matt @ Budget Snob writes How your Upbringing Affects your Money Habits Part 2 – Something that most people do not realize is that how they were raised as children can actually have a big impact on how they make decisions as adults, especially with money.
Jack @ Money Saving Ethics writes 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.
Lenny @ Best Money Saving Blog writes Avoid these Common Mistakes or you will Always be Broke – Part 2 – While being broke may just be the fault of your circumstance because you are out of work, underemployed or just went through bankruptcy, the fact is that most people are broke all the time because they make a lot of financial mistakes.
Andrea @ So Over This writes More Money, More Gifts: Effective Ways to Save on Holiday Shopping – There are so many people looking to save money during the holidays while also getting the gifts that they want for their family and friends. Fortunately, there are several effective ways that this goal can be accomplished.
Lily @ Paying Debt Down writes Can you improve your credit in 15 Minutes a day? Yes you can – More and more people are realizing that maintaining a high credit score and understanding their credit is vital to their financial well-being as well as their life in general.
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.
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.
Alexa @ Defeat Our Debt writes Personal Finance 101: Back to the Basics – To layout a strong financial foundation you need to know the personal finance basics. In this post we go back to the basics for you.
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.
Alice Sibley @ Earning My Two Cents writes How to Handle Medical Bills (Without Freaking Out) – Don’t panic! It’s just a medical bill. You can work out a way to pay it.
FI Pilgrim @ FI Journey writes Is Patience Still A Virtue? – There are a lot of things in life that money cannot buy. But in my experience there are also a lot of things that debt can take away. I council patience!
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.
Jon Haver @ Pay My Student Loans writes 5 Banks to Refinance Your Student Loans – The private student loan market is not as robust as it once was, so finding banks to refinance the loans takes more work than previously. Many banks simply do not deal with student loans any longer.
Pauline @ Reach Financial Independence writes My 7 Steps to Financial Freedom – A Proven System for Building Your Wealth – Today Anton Ivanov of Dreams Cash True gives us an overview of his wealth building system, the 7 steps to financial freedom describe in his eBook.
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
Richard Adams @ Frugality Magazine writes How To Get The Cheapest Car Insurance Quotes Possible – If your car insurance quotes are making you wince – especially as a new driver – then here’s how to save a lot of money without compromising on your cover or “massaging the truth” about your circumstances.
Amy @ Money Mishaps writes Online and Mobile Retail make Black Friday practically obsolete – Ladies and gentlemen, here is a certifiable fact; marking down prices for Christmas is an American tradition. Here is another fact that is a bit newer; today, those markdowns and bargains come right to you at home so there is no need to actually go to the store to get them.
Natalie @ Debt and the Girl writes Can Frugal Be Taken Too Far? – I was perusing the Netflix selection on my computer one afternoon and I found a show called Extreme Cheapskates.
Karen @ MakintheBacon writes The Dark Side of Shopping For Deals – Is shopping on BlackFriday really worth?The things that people will do just to get a deal.
Little House @ Little House in the Valley writes Five Ways to Cut Costs This Year – There are a few really simple tricks that can help you to cut your costs and following them is easy. Here are five methods that are guaranteed to have a substantial impact on your life.
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.
Tushar @ Finance TUBE writes Time to Manage Your Largest Asset – For most people the largest assets are there home and the contents inside of it. But many people don’t spend enough time managing their home, not understanding their financial implications of not managing it.
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.
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.
Maria @ The Money Principle writes Frugality or folly: stop wasting food! – We all waste too much food and it is time to stop. As a bonus you’ll learn how to make spaghetti carbonara and meringue.
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!
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.
Graham @ Moneystepper writes Peer-to-peer lending – Funding Circle experiment – Peer-to-peer lending – Funding Circle experiment
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.
Matt Becker @ Mom and Dad Money writes What is Rebalancing and Why is it Important? – Balance is important in all aspects of our lives, and it’s no different in investing. If you’ve done the work of choosing a purposeful investment strategy, then it makes sense to rebalance when necessary to make sure you stay on track.
Nell @ The Million Dollar Diva writes How to Save for Your First Home 20% Faster – Want to get into your first home 20% faster? Here’s an easy way for Australian’s to get up to an extra 20% for their deposit.
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.
Larry @ KrantCents writes Everything Is Always on Sale! – Everything is always on sale seems like an exaggeration! If you are expecting to go to your local store and find absolutely everything on sale, you will be disappointed. Then again, you can find just about everything on sale somewhere.
Blair @ Life, Dollars, and Sense writes Done With Car Payments Forever!! – I paid off my off my car loan, and I intend it to be my last
Mr.CBB @ canadian budget binder writes Comparing the comparison sites in Canada – If you love a good deal then you know you can compare prices using comparison sites online.
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.
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!
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.
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.
Crystal @ Budgeting in the Fun Stuff writes 10 Tips to Save Money – Here’s an oldie but goodie from early 2011! Here are my top 10 tips to save money: 1. Save Automatically. Setting up automatic contributions is the best way, in my opinion, to save money…
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.
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.
SavingMentor @ How To Save Money writes More Free Money: $100 Gift Card And Up To 5% Cash Back On Gas & Groceries – Last year about this time I wrote about a very lucrative deal where people could get a $100 gift to one of four popular Canadian stores or restaurants simply by signing up for one of the best no fee cash back credit cards available to Canadians. It was very popular amongst my readers and a lot of people took advantage of it including myself and my wife.
Ted Jenkin @ Your Smart Money Moves writes Do You Have 6.2% Extra In Your Paycheck? – It’s pretty amazing to me how many people truly still don’t understand our payroll tax system.
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.
Tushar Mathur @ Everything Finance writes How To Save A Few Bucks When You Go Out To Eat – If you want to go out to eat but you’re on a tight budget, here’s how to save a few bucks when you go!
Mrs. Accountability @ Out of Debt Again writes Shopping Cart Abandonment: Three Ways to Drop the Rate – Have you ever logged onto a store’s website and browsed around, maybe clicked on a couple of items to add them to your cart, then left the page without buying a single item?
Cindy @ MidLife Finance writes Getting the Most from Black Friday – Inside and Out – It’s coming — the holiday shopping period that drives us crazy each year, but also gives up great bargains. BlackFriday is on its way!
Mr. Frenzy @ Frenzied Finances writes Common Personal Finance Mistakes and How to Avoid Them – There are widespread personal finance mistakes made by many Americans that can easily be avoided. What mistakes are you making? Read here to find out!
Jacob @ AllPersonalFinance writes Commodities: Tips and Tricks to Expert Investing – Many investors, young and old, look to the commodities market when seeking double-digit returns. In this market, one can make serious returns even when the overall stock markets are down. However, when trading commodities, one should follow a few basic rules should they want to achieve success. Here are four tips for a commodities investor.
JP @ My Family Finances writes Why Paying Down Debt Is Better Than Investing In The Stock Market – Overall, while investing in the stock market may seem like a good idea, the fact remains that doing so would only put you at a greater risk of losing more money.
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.
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.
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.
Don @ MoneySmartGuides writes 5 Tips for Identity Theft Victims – Identity theft has made so many victims that you should no longer wonder if your identity will be compromised, but when.
Lauren @ L Bee and the Money Tree writes The No-Spend Clothing Challenge Wrap Up – Was the no-spend clothing challenge a success? I cheated, but ultimately it was a success and I reduced my clothing spend by 73 percent.
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.
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.
IMB @ Investing Money writes Increasing the ROI on Your Investments – This holiday season, everyone wants a little extra cash to spend on those you love. If you are an investor, you might be looking for the money from your investments. If you can squeeze a little higher return from your investments, you might be able to spend a little more in Holiday shopping.
Minimalist @ Minimalist Finance writes Ways to Find Money to Save – Over and over again, we hear about people that use the excuse that they can’t save money for the future because they don’t have enough money in the now. Many people struggle to put money away when they are already living hand to mouth.
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.
Wayne @ Young Family Finance writes Internet Tips: How to Make Extra Money Online – Looking for some extra for your wallet or savings? Here are some of the legitimate ways to make extra money via the Internet.
Dee @ Color Me Frugal writes You Aren’t Your Balance Sheet- You Really Aren’t! – How to shake off guilt and embarrassment over your past financial mistakes and focus on the positive changes you have made and the things you are doing to move yourself forward financially.
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.
Sam @ The New Business Blog writes Over 70% of Employees Missing Out on Pretax Dollars for Medical Expenses – In 2013 fewer Americans than ever put pretax dollars a way to cover future medical expenses but changes in 2014 will make these flexible spending accounts bit more attractive. These new changes will actually give taxpayers a bit of extra time to use their money.
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.
Buck @ Buck Inspire writes Tis The Enrollment Season To Be Jolly – It is time to enroll for your employee benefits! Some basics are pretty straightforward and really depends on personal preference like HMO versus PPO.
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.
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.
Grayson @ Debt Roundup writes The Black FridaySpending Spree – As a fan of infographics, I was able to find one about Black Friday and how much money is actually spent during that day and the weekend following. You might be surprised how much people spend and the trend seems to be increasing.
Brian @ Luke1428 @ Luke1428 writes What Good Is Freedom When You Are Told What To Do With It? – Freedom is the foundation upon which the United States was founded. The implementation of Obamacare seems to have blurred the lines between personal freedom to choose and the government’s role to better society.