The Carnival of Financial Camaraderie – March 30th, 2013 Edition!

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Happy Saturday. :-) Guess who’s hosting the Carnival of Financial Camaraderie this week? Yep, it’s me! 

If you’re new to the Carnival, its goal is to share some of the best articles around the web each week focusing on helping people improve their financial situations. Have fun reading all these great posts! 

First, let’s take a look at my top 4 editor’s picks that were submitted this past week:

Top 4 Editor’s Picks

1. BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WHAT TO DO NOW THAT THE MARKETS ARE PEAKING – Markets are at record levels. Stock and bond investing tips for the current market.

2. Daniel @ Sweating the Big Stuff writes High School Students Can’t Make Financial Decisions About College – High schools are not equipped to make financial decisions about college. Parents need to take active roles during this crucial decision making process.

3. Darwin @ Darwin’s Money writes Here’s Everything I’ve Done with my Money by NOT Having an Emergency Fund – The conventional wisdom is we all need to build an emergency fund of 6 months or more, right? WRONG. See all the great moves I’ve made with the money I DIDN’T have sitting in a bank.

4. Roger Wohlner @ The Chicago Financial Planner writes Am I on Track for Retirement? – Are you on track to a comfortable retirement? It is essential that Baby Boomers and others approaching retirement address this issue.

And, listed below are the best of the rest! Enjoy!


Steven @ Canadian Personal Finance writes Five sure-fire signs that you need a new job – Here are five sure-fire signs that you’re in the wrong job – and that it’s a high-time you started looking for a new one.

Michelle @ Making Sense of Cents writes Case of Lifestyle Inflation – But I’m Not Upset – Whenever we make a financial decision, I’m not going to lie, I tend to think about how readers will perceive the decision and whether I will get yelled at. That’s not always bad though, because it just makes me triple think everything and make sure I’m happy with whatever decision that I do make!

Div Guy @ The Dividend Guy Blog writes All You Need To Know About Selling Your Stocks

Martin @ Studenomics writes Do You Seriously Need to Be Convinced to Move Out? – Let’s finally move out!

Simon @ Camp Travel Adventure writes Learn How to Finance ALL your Travel Plans – We would all love to go travelling and not worry about money, here’s a few tips to help you get there

Marvin @ Brick By Brick Investing writes How Poker Made Me A Better Investor – A detailed comparison between the principles of poker and investing, particularly how they made me a better investor.


Robert @ The College Investor writes How to Understand the Stock Market – If you are willing to learn, and make the most of the information out there, you too can understand the stock market.

Robert @ My Multiple Incomes writes How Much is Too Much? Entrepreneurship, Life, Finding Balance – I got a taste of building multiple income streams, and let me tell you, it tasted good. So good… And I knew I wanted more. MORE! I knew that this was a way to be free. So I started building, and I started developing my income streams.

Robert @ Entrepreneurship Life writes Does Your Business Have a Mobile Strategy? – With the emergence of smart phones and mobile commerce, it is important that your business takes steps to have a mobile friendly website.

Jason @ Live Real Now writes Make Extra Money, Part 6.5: Why I Do It The Way I Do It – Several people have asked me to explain why I use the plugins and settings I use. In this installment of the Make Extra Money series, I’m going to explain every choice I recommended last time.

Jester @ The Ultimate Juggle writes Life Decisions That Can Affect Your Finances – As a young family, my wife and I have learned that life can be quite busy. Trying to accomplish everything (school, work, side business, social life) at once can be overwhelming. This is why many people focus on their 9-to-5 jobs and go home to watch T.V. The stress is just too much to handle.

Mike @ Personal Finance Journey writes Striking it rich by being lucky or doing it hard? – Can wealth be created through luck? Hard work? Can you strike it rich?


JC @ Passive Income Pursuit writes A Long Term Plan to Continue Giving Back – Ever thought of a great way to give back and contribute in some way to the betterment of society? I cover my plan to use dividend growth investing to fund a scholarship in perpetuity.

Peter @ Bible Money Matters writes 4 Board Games that Can Help Teach Lessons about Personal Finance – A while ago I wrote on this site how having a family game night can be a great way to have some fun with the whole family, without spending a ton of money. But playing games doesn’t have to just be a way to have a little fun, if you play the right games it can be educational as well.

Nick @ A Young Pro writes Career Advice: Be An Entrepreneur – Take charge of your career. Learn how to think like an entrepreneur and apply that knowledge towards your career success.

KK @ Student Debt Survivor writes Want to Borrow $120k at Age 18? Sign on the Dotted Line – When was the last time you gave an 18 year old $120,000? If you had $120k saved would you give it to your 18 year old son or daughter and tell them to have a good time spending it? I sure wouldn’t. But strangely, that’s exactly what student loan companies offering when our kids when they enroll in college.


Grayson @ Debt Roundup writes Who Do American’s Look To As A Financial Mentor? – As the US economy and the economies of the world sputter along, who can we look to as a financial mentor? Spending and consumption is out of control and we need help.

Arnel Ariate @ Money Soldiers writes Dealing with Debt After Losing Your Job – Learn how to be debt free. I made my final loan payment in February of 2013. It was two years, to the month, after I had lost my job. Now when I buy something, I appreciate it even more because it is a well-earned treat and not a wasteful indulgence.

Lance @ Money Life and More writes Best Credit Card Sign Up Bonuses – March 2013 – Sign up bonuses are one of the most lucrative ways to rack up credit card rewards quickly. There are currently some great credit card sign up bonus offers and I have used a couple of them myself. Basically you have to sign up for a credit card with a bonus and meet the various requirements within a time limit to get the bonus. There are no affiliate links in this post so you know these are some of the best deals out there.

MMD @ My Money Design writes Who is the Best IRA Provider When You Don’t Have Much Money to Open an Account? – Where can you find the best IRA provider without having to open an account with thousands of dollars? There are lots of good options to choose from ranging from safe to risky. This post will tell you where.

Glen @ Monster Piggy Bank @ Monster Piggy Bank writes How to Consolidate Debt – Learn about debt consolidation and how it could improve your finances

Jon @ Novel Investor writes How To File A Federal Tax Extension – If you won’t finish your tax return by the deadline, find out how to file for a federal tax extension online and get an extra six months.


Mr.CBB @ Canadian Budget Binder writes Let Your Coupons Expire and Save Money – In order to save money we need to stick to a plan and not spend more than we intended to do. Take the money you save from using coupons and put it towards debt, investments or something you want to save up for. There’s no shame in letting a coupon expire in order to stick to your grocery budget.

Pete @ Intelligent Speculator writes What Part of Your Income Are You Saving? – Are your savings where you want them to be?

Jacob L @ Cash Cow Couple writes 22 Things I Won’t Pay For – I think my ability to save money is a valuable asset. I also think that my friends and family would benefit from a little shot of Cash Cow frugality. So I’ve put together this list of things that I DO NOT spend money on.

Penny Thots @ Penny Thots writes How Meal Planning Is Saving Me 40 Percent on Groceries – We are now eating healthier than we have been in a couple years thanks to meal planning, and we have something that works with our schedules. But what surprised me was the savings.

Miss T. @ Prairie Eco Thrifter writes Go Ahead and Be a Cheap Date – Perhaps the general high-maintenance of dating is the very reason it falls off the side of our lives. What if dating your spouse was simple, straightforward and, well, flat-out cheap? Yeah, I know what you’re thinking, if it was like that, it’d probably happen more often, and that is precisely what I am hinting at. Think outside of the overused dinner-and-a-movie routine. I am guessing that in doing so, you’ll start to remember what it felt like to date.

Little House @ Little House in the Valley writes Micro-Unit Apartments in New York City – Manhattan’s mayor, Michael Bloomberg, is jumping in on the Little House action to create a building dedicated to 55 micro-unit apartments. Though the project is still in the design phase, the rent is expected to be affordable when compared to average rent in New York with some units using “restricted rent” (or percent of income) to determine the monthly rental price.

Lazy Man @ Lazy Man and Money writes The Money Start-Up: Development Decisions Lead to Big Savings (Part 2) – he key takeaway here is that is where it would once cost a lot of money to start-up a software company, today there are some fabulous tools out there that greatly reduce the financial barrier the entry. I don’t know if it is possible for me to overstate the impact they will likely have.

DPF @ Digital Personal Finance writes Free is Good – So Use Your Library! – As value seekers, many of us like to search for bargains or simply obtain things we need at a low price. Along those lines, the local library just might offer you great value for your time, considering it’s free! This post discusses why.

Paul Vachon @ The Frugal Toad writes 5 Frugal Ways to Celebrate – Looking forward to celebrating that birthday or special event with friends and family? Are you worried that your budget will make it difficult to plan a memorable celebration? By thinking out of the box and using items you already have, you can create lasting memories without breaking the bank.

harry campbell @ Your PF Pro writes Save Time and Money When Traveling Through Airports – Maybe I haven’t traveled in a while but when did airports become such a rip-off? Just this month, I’ve traveled over 7,000 miles on 3 round trips with another trip to Philadelphia scheduled for next week and everywhere I go I can’t believe how expensive things are.


Jason Hull @ Hull Financial Planning writes Stock Picking is No Better Than Sports Betting – This article examines how you could be fooled into thinking that you could pick horses or pick stocks and the psychological triggers behind this phenomenon

Michael @ Financial Ramblings writes Automatic Dividend Reinvestments – Do you reinvest your dividends? We don’t, at least not in our taxable account. And for good reason. Manually reinvesting dividends lets us really crank up the tax efficiency and simplify our record-keeping.

Crystal @ Married (with Debt) writes Fact or Fiction: Everything’s Old That’s New Again – There’s an old saying that everything’s old that’s new again. Does this hold true for your possessions?

Evan @ My Journey to Millions writes Another Reason I Hate My 401(k) – I have always had a pretty angry relationship with my 401(k). On the one hand, I get a match of 100% up to 6% of my salary provided by the generous boss-men (anyone know why this is very common?), on the other hand my fund choices are terribly expensive.

A Blinkin @ Funancials writes 2 Irrelevant Reasons To Buy And Sell Stocks – There are thousands of reasons why people should invest in stocks and thousands of reasons why people shouldn’t invest in stocks. But, 2 “reasons” that I have heard recently are actually irrelevant and should not determine whether or not you invest in stocks. If you want to buy, buy. If you want to sell, sell.

Jon the Saver @ Free Money Wisdom writes Three Reasons to Consider Investing in Silver – Here are three fantastic reasons to invest in silver if you are still waiting to make up your mind. Find what why everyone else is putting their money in this metal!

LaTisha @ Young Finances writes How To Qualify for a Mortgage as a Young Adult – Getting your credit in order, making an appointment with a lender, finding a home, and gathering your documents are all steps to buying your first home as a young adult.

Kevin @ Passiveincometoretire writes Why Real Estate is the Best Passive Earner – Real estate is one of those things that will continue to rise in prices as long as our population keeps on increasing. More people mean more requirements for space to live, which will naturally increase the prices of real estate for the foreseeable future.

Pauline @ Reach Financial Independence writes Why an early start makes all the difference – I started working early, saved hard and had time on my side. An early start can help you achieve a lot more than ignoring your finances for years.

Jon Haver @ Pay My Student Loans writes Investing made easy for Graduates – Investing money can be difficult for those who aren’t experienced with the process and don’t know who to turn to to get help. With the added stress of mortgages and taking out loans to pay for college, most people give in and go with the first investment company they come across without shopping around and seeing what other companies are offering. Most people run into problems because they don’t invest enough, diversify their investments, or allocate investments properly for a specific sit

John S @ Frugal Rules writes Is it Time to Get Out of the Stock Market? – There has been a lot of talk lately about the stock market with its “historic” highs and what investors should do. This is a great time to remember to stick to your investment plan and not give in to fear.


Deacon @ Well Kept Wallet writes 3 Unique Ways to Save Money – Do you like saving money? Who doesn’t, right? There is no reason to pay more for something if you don’t have to. There are so many ways that you can save money whether it is coupons, discounts, promo codes, you name it. Here are three unique ways that I have found to save money.

Green Panda @ Green Panda Treehouse writes The Retire Early Movement Has Hit UFC – Early retirement has now hit the UFC world.

Thomas @ Journey Scout writes Don’t Spend the Earth on Hotels – We’re all feeling the pinch at the moment, but its vital you go on holiday just to keep your sanity. Well the least you can do is save on the hotel cost, its a start, and here’s how.


FMF @ Free Money Finance writes Confusion with Precious Metal Pricing – I noticed there are a TON of commercials for gold and silver investing. After a while I started keeping track of the advertisements, wondering what the difference would be from one company to the next. Service? Shipping? Something else? I thought that pricing would be the same. Boy, was I mistaken. I decided to do an experiment.

Corey @ 20s Finances writes What’s the Average Easter Budget? – Millions of Americans will be celebrating Easter with their wallets doing a great deal of heavy lifting, but what’s the average Easter budget?

Ashley @ Money Talks Coaching writes I Wish Saving Money Was A Social Event – I bought something on Amazon the other day and when I was done checking out Amazon asked me if I would like to post on Facebook about my recent purchase.

SBB @ Simple Budget Blog writes What Type of Budgeter Are You? – Are you a improviser, a preparer, or a lingerer when it comes to budgets? Here are the pros and cons of each type of budgeter. Find out how you budget.

Tony @ We Only Do This Once writes 7 Ways to Avoid Using Credit – Credit cards have not been around for very long. Our close relatives managed to do just fine without them. We can do the same by living within our means, spending less than we earn, and not using credit.

Hank @ Money Q&A writes Trick Yourself Into Saving Money With These Seven Sneaky Ways – Saving money isn’t easy. Sometimes you have to trick yourself into saving money if you want to get it done. You have to take your brain out of the equation.

CT @ Cashtastrophe writes Why Infomercials Are the Best Things on TV – How to Avoid a Cashtastrophe – Save more, spend less, and live a good life

Michelle @ The Shop My Closet Project writes Planning a YOLO Summer for a fraction of the price – YOLO Summer means (You only live once)! Read how I’m going to make this happen for me this summer.

Steven @ MyDividendStocks writes Income from Perpetual Dividend Raisers – When you buy a stock in a company, you become a partial owner of its assets and profits. There are certain caveats to being a partial owner through a stock, but in general a stockholder is entitled to a share in the profits of a company. Dividends are one way in which a company management or board of directors can share the profits with the stockholders of a company.

krantcents @ KrantCents writes I am Wealthy, so What? – I was reading The Millionaire Next Door again and found out that I am wealthy! The authors offer a calculation to determine if you are wealthy, just multiply your age times your realized pretax annual household income from all sources except inheritances. Divide by ten.

Amanda L Grossman @ Frugal Confessions writes 5 Frugal Activities for Springtime – Both the warmth and my sinuses have alerted me to the fact that spring has returned.

Kevin @ writes College University Scholarship Search Engine – Free Money for Education. Use our Scholarship Search Engine to find a scholarship! The Top 5 Places to Find Great Scholarships We learned how to find

Crystal @ Budgeting in the Fun Stuff writes Free Stuff for Your Birthday – Woot! – I take the time to sign up for birthday freebies so that I can spend my birthday month being lavished with lovely perks and gifts from my favorite retailers

Kyle @ The Penny Hoarder writes The Secret to Making Money on YouTube – I have a confession to make: Somewhere between me typing the title of this post and actually typing the post itself, I became engrossed in a few funny animal videos on YouTube….and effectively lost those 5-10 minutes of my life. But boy, did I laugh–and I’m not the only one.

MR @ Money Reasons writes Retirement Rich But Life Poor? – Is it smarter to saving and invest in a regular brokerage account or save for retirement in vehicles that are not to be touched until many years later? Is it better to live now or live when you are old?

Maria @ The Money Principle writes Buying a car on a low budget – Buying a car doesn’t have to ‘break the bank’; you just need a bit of ingenuity, research and asking sound questions.

Don @ MoneySmartGuides writes Thinking About Changing Careers – Are you thinking about changing careers? The read my experience and history on this plan of attack.

Roger the Amateur Financier @ The Amateur Financier writes Book Review – Fired to Hired – Chances are, you’ve been unemployed (or underemployed) at some point in your life.

Suba @ Broke Professionals writes Does Good Customer Service Still Exist? – Good customer service isn’t a thing of the past: I’ve found three American companies that are doing an amazing job of helping their customers.

Ted Jenkin @ Your Smart Money Moves writes The Biggest Stock Option Mistake You Can Make – I worked for a Fortune 100 company for over 15 years.

Lauren @ L Bee and the Money Tree writes What it Means to Finish Something – It’s so inspiring when people accomplish their goals: losing weight, hitting a zero balance, or getting a promotion. Yet, what does it really mean when we finish something?

CAPI @ Creating a Passive Income writes Popular Ways of Earning Passive Income – So you’ve decided to set up a passive income! Now you need some ways to earn. Read on for five popular and effective ways and how they could work for you.

Wayne @ Young Family Finance writes Important Tips for Buying a Home – Looking into buying a new home for you or your family? There are important things you need to consider. Read on for the best tips.

Well, that wraps up this week’s edition. I hope you enjoyed the articles as much as I did! 

This carnival is hosted every second week by My University Money and you can submit articles at Blogger Carnivals or Blog Carnival HQ.


  1. FrugalRules says:

    Thanks for hosting & for including my post sir!
    My recent post Shout Out Saturday #11

  2. Thanks for inclusion and hosting, I really appreciate it.
    My recent post My 2013 New Year’s Resolutions Update

  3. Thanks for including me and hosting!
    My recent post Money CAN Buy You Happiness

  4. Thanks for hosting and for including my post.
    My recent post The IRA – An Overlooked Retirement Savings Tool

  5. Thanks for hosting and using my post.

  6. Thanks for hosting and including us!
    My recent post Questions to Ask When Considering Home Loan Refinance

  7. Thanks for hosting and mentioning my post!
    My recent post Personal Finance Round Up, Mentions and Carnivals #49

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