Welcome to the eleventh edition of the Financial Carnival for Young Adults. My purpose with this carnival is to create an easy-to-find place for information about finances for young adults. The carnival is hosted here at 20′s Finances each week and features the most recent articles from around the web.
Dr. Dean @ writes Food Fraud: What The Heck Is That? – Food accounts for 30% of most budgets. With the increasing number of imported foods that make it to the grocery shelves and our tables, food substitutions and dilutions are on the rise. Get the facts.
Hank @ Money Q&A writes Which Is First: Paying Off Your Debt Or Investing For Retirement? – Should you pay off debt, or should they start a retirement account first? This is a question that has plagued experts forever.
TRL @ The Retired Landlord writes Real Estate Investing Has Risks – Investing in real estate has its risks and expenses. Find out what you can do to prevent a negative cash flow.
Don @ MoneySmartGuides writes Is Tipping Out of Control? – Growing up, I would see my parents tip the waiter or waitress at the restaurant where we ate. I would see my Dad tip the barber for cutting our hair. Other than that, there wasn’t much tipping done.
Luke @ Learn Bonds writes 101 Free Resources for Bond Investors – A list of all the best free resources from around the web for bond investors. Blogs, Education, News, Bond Market Data sources and more.
Ryan @ Early Retirement Investments writes Understand and Avoiding Student Loan Debt at Retirement Age – Understand and Avoiding Student Loan Debt at Retirement Age and Why this is a great idea.
Daisy @ Add Vodka writes Letting Go Of Ideals – I find that in the PF blogosphere, there is a lot of intertwining with self improvement blogs and I think that by tracking our spending, budgeting, investing, and working toward financial goals leaks into other parts of our lives as well.
PITR @ Passive Income To Retire writes The Power of Re-Investing Profit – Find out why re-investing profits is advantageous to establishing a sustainable business model.
Jen @ Master the Art of Saving writes I Hate Housecleaning…But I Love Earning Opportunities – I’m not one of those people who enjoy cleaning; I absolutely hate housecleaning. No way that sticking to my routine was worth passing up an earning opportunity.
MMD @ MyMoneyDesign writes How to Pick Good Mutual Funds for Your 401k or Retirement Plan – Are you struggling to pick some good mutual fund options for your 401k? If so, here are my easy to follow tips for making the best of the choices you have before you.
Jason @ Work Save Live writes How to Retire Comfortably: Start With the End in Mind – I hope you enjoy the 4th post of my ‘Understanding Retirement Planning & Investing’ series! If you’ve missed the first three posts be sure to check them out! Everything You Need to Know About a Roth IRA & Why to Start One.
FG @ Financial God writes Five Tips on How to Protect Yourself from Getting Financially Destroyed – 1. Invest money in precious metals. Even the gold pessimist Jon Nadler recommends that it is wise to store about 10% of your net assets in the form of physical, allocated gold. This means gold you hold in direct physical possession, or in vaults overseas.
KT @ Personal Finance Journey writes Do You Take an Honest Look at How You Spend Your Money? – When you see your friends buying nice things such as a new car or a second home, do you automatically think that they have gone deep into debt for the purchase or do you secretly envy them and think they must have come into some money? Do you think, some people have all the luck
Corey @ 20s Finances writes Why Cars are Destroying Our Society – What kind of car do you drive? Are one of those people that worries about breaking down on the side of the road because your car is older than most high schoolers? Or are you someone who loves the smell of a new car. We all know that smell – it’s not just a sign of its recent production date, but is also about comfort, security, and assurances (aka warranties).
Amanda L Grossman @ Frugal Confessions writes Sifting Through Energy Company Offers in a World of Deregulation: Part 1 – Two weeks ago while shopping for electricity I gave up. By “giving up”, I mean that after finding out I would be charged a $9.9
Tushar @ Start Investing Money writes Can Fun Money Fit into a Smart Investing Plan? – This Post was Originally published at Can Fun Money Fit into a Smart Investing Plan? on Start Investing Money
John @ Married (with Debt) writes Addicted to Debt – We don’t really think of debt as an addiction. It’s not as though you have a burning desire to get debt if you don’t have it. You don’t hear about the car owner who recently made their last payment and started to crave making those monthly payments again.
Jeffrey @ Money Spruce writes Hitting a Financial Knowledge Peak (and What Really Matters) – I’ve spent the past 2 years+ absorbing all the personal finance knowledge that I possibly can. Books, blogs, webinars, conferences, and more – I’ve read a ton on a wide range of topics. I don’t know everything, but I still feel like I’ve hit a knowledge peak.
Lorillia B. Phillips @ yourmoneymentor writes Are you a Social Group Buyer or Provider? – This post discusses online coupon sites, like groupon, living social etc.
Evan @ My Journey to Millions writes Wow. . .I Have Been at My Job for Five Years – I have pretty mixed feelings about being at my job for five years. On one hand, I absolutely love my job for reasons other than money I don’t think there are many people who get to say that. My bosses are awesome. Period. I choose to hang out with them outside the office, how rare is that? Each inspiring in their own way, but both men are self made wealthy individuals that are just fun to hang out with.
Maria @ The Money Principle writes Money for all seasons II: income, spending and age profiles and received wisdom – In brief, I see the expectations of pitfalls in different -seasons- are the following.
A Blinkin @ Funancials writes It’s The Economy, Stupid! – With the Presidential election in the U.S. beginning to heat up, it is natural to forget about elections elsewhere in the world. But before our elections start to cause volatility in the Fall, a round of elections in Europe in May could have a very meaningful impact on the marketplace.
krantcents @ KrantCents writes The 3 N’s of Success – The 3 N’s of Success is the fourteenth in a series of articles to help you reach your goal.
Kevin @ Thousandaire writes How to Save Money on Vacation – Use frequent flyer miles, buy your hotel from groupon, and eat cheap foods if you want to save money on your vacation.
Jeremy @ Modest Money writes Importance Of Diversifying Online Business – In the blink of an eye, your online business can get turned on its head. It is incredibly important that you diversify both your traffic sources and income streams.
Crystal @ Budgeting in the Fun Stuff writes Build a Home Series: The Waiting Sucks – Mr. BFS and I have been waiting to hear back about pricing on a bunch of options for our new house, but it takes forever to get information!
Todd Tresidder @ Financial Mentor writes Payoff Mortgage Early or Invest – The Complete Guide – This definitive guide explains the surprisingly complex issues surrounding your best choice for savings – either paying off your mortgage early or investing. It provides a step-by-step process to help you make this important savings decision.
Ashley @ Money Talks Coaching writes We Maxed Out Our Roths! – We are having a good April! Earlier this week I revealed that we refinanced our house.
Wayne @ Young Family Finance writes Buying the Best Car for Your Money – Buying the best car for your money involves considering quality in addition to the sticker price. Find out if you are getting the best car.
101 Centavos @ 101 Centavos writes Using Cattle Panels to Support Tomato Plants – Staking up and supporting tomato plants has got to be one of the more time-consuming pastimes of the home gardener, and there’s plenty of ways to do it.
Sustainable PF @ Sustainable Personal Finance writes Recession Gardening to Save Money – I recently discovered a practice that I’d never heard of before – recession gardening.
YFS @ Your Finances Simplified writes Top 11 Reasons You Should Use Yodlee MoneyCenter – You should keep track of your finances. It is as easy as that. Whether you decide to use a pen and paper, a spreadsheet, or an online account aggregator, you should have an idea of how much you are spending and on what.
Eddie @ Finance Fox writes I Filed My Taxes, I’m Owing and I’m OK With That! – This weekend I got around to completing my taxes, and without much surprise I’m owning the government $1,800 in taxes.
Daniel @ Sweating the Big Stuff writes Things I’d Buy If I Were Rich – It’s fun to daydream about what we’d do with more money than we could ever need. Here’s my list of items I’d like to have if I were in that situation.
Jon the Saver @ Free Money Wisdom writes Do Your Kids a Favor and Open a 529 Plan – Did you you can benefit from a 529 college savings plan if you open one? you can avoid taxes and shelter your money for future expenses!
MR @ Money Reasons writes Learning Versus Watching TV As Entertainment – Learning instead of Watching TV can be very rewarding! Why not try to learn something simple and quick and see if you find it rewarding or not?
Steve @ Money Infant writes 5 Smart Things to do With Your Money – The following was written as a guest post for MI: Learning to make your money work for you is a good idea for anyone who has suffered from the economy in
Suba @ Broke Professionals writes How Playing Monopoly Can Improve Your Financial Knowledge – How Playing Monopoly Can Improve Your Financial Knowledge is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. If you haven’t played Monopoly before, you should download it to your phone or buy the board game. Don’t worry, there’s not much difference.
Earth and Money @ Earth and Money writes Planning a Green Frugal Wedding – Venue – When it comes to the venue, you can be both green and frugal without seriously defying standard wedding traditions.
Brennan Sayre @ BuzzRaid writes Virtual Wallet Options – The Future of Payments – A post going into the different virtual wallet options available to take advantage of as well as what features each option has.
SFB @ Simple Finance Blog writes Are Mortgage Points Worth It? – Breaking down the numbers to see if mortgage points to secure a lower interest rate on your home loan is really worth it.
Miss T. @ Prairie Eco Thrifter writes My Story on How to Successfully Take Courses While Still Working Full-Time – I want to show that it is possible to go to school while working full time and that by implementing a few tips I have learned, you too can make school and work an option in your life. Here is what you need to do:
Peter @ Bible Money Matters writes Top 5 Things to Do with a Tax Refund – If you’re one of the lucky citizens getting money back this year from taxes, I challenge you to make an investment with your new-found cash that has the potential to pay off big in dividends for years to come.
PPlan @ Provident Plan writes Seven Deadly Sins and how they lead to Financial Disaster – Learn how the seven deadly sins offer financial guidance.
Kyle @ The Penny Hoarder writes How to Make $24/Hour Teaching English Classes Online – If you know how to speak a language, you qualify for this freelance job. There’s a world full of people that are trying to learn how to speak English.
Debt Guru @ Debt Free Blog writes Paying Off Debt is More than Numbers – Find out why paying off debt is more than just numbers. Many social and mental influences come into play with your finances.
Aloysa @ My Broken Coin writes Curb Your Spending with Pinterest – Yes, you’ve read it right and no, I have not lost my mind. I believe that you can curb your spending with Pinterest. If you’ve been reading this blog for some time now, you know then that I am a shopper and a spender.
Jeremy Waller @ Personal Finance Whiz writes How to Wreck Your Car, Buy a New Car, Refinance Your Mortgage and Pay off A Credit Card at The Same Time – What a crazy month it has been. I feel like I’ve gone through a financial blender. As I mentioned a few weeks ago, my beloved Jeep was totaled. I was rear-ended by someone going 60 mph. My car didn’t stand a chance. State Farm estimated it would cost $10,132.95 to repair. But, the Jeep was This post was originally posted to Personal Finance Whiz.
Shaun @ Smart Family Finance writes Ways Your Family Can Invest In Gold – As many world economies continue to stagnate in today’s weak global economy. Investors are looking to broaden their portfolio horizons and gold is one investment that is popular.
Teacher Man @ My University Money writes We Are Officially Media Moguls – Hey man, you want to buy a blog” “Can we do that?” “Yah, but our girlfriends will kill us…” And just like that, we began the process that ultimately led to us buying a blog that is pretty cool by any metric (maybe even as cool as this one) – Young and Thrifty.
Sean @ One Smart Dollar writes Rent, Don’t Buy – Do you have a home project that needs to get done, but a $500 tool is standing in your way? Save your monday and don’t buy it, just rent.
Young @ Young And Thrifty writes Time to Take a Step Back – About three years ago, I had a dream of starting a personal finance blog. My family and my boyfriend laughed at my lofty idea. I thought- I’ll show them! I can be successful if I work hard at it. It was my dream to make it successful and show the world that a female voice could swing with the big boys in the personal finance blog realm (woot!).
Jason @ Live Real, Now writes Fighting Evil by Phone – When you are battling evil, go big or go home. It’s better to swat a mosquito with a sledgehammer than to poke a dragon with a safety pin.
SB @ One Cent at a Time writes Saving Money or Earning Money Where to Put your Priority? – The problem comes when you are choosing one over the other or, giving priority to one over the other, due to limited time and resources. A guide to help you make informed decision.
SB @ Finance Product Reviews writes Best 3 Credit Cards For Travel Rewards in 2012 – We searched all travel rewards cards, analyzed their features and then listed the top three in 2012 based on the research. These are the top 3 leading travel rewards cards in USA in 2012
Van Beek @ Stock Trend Investing writes Growth Investing vs. Value Investing – When it comes to investing in stocks, there are two major styles of investing: growth investing and value investing. There has been an intense debate as to which investment style yields the best returns and what style of investing suits investors. Let us first understand the two styles and then compare the two approaches.
Kay Lynn @ Bucksome Boomer writes I’m Getting Rich, How about You? – My wife and I are not really that special. We just started by living frugally, increasing our income, and devoting every extra penny toward our debts (and then later our house). Anybody can do this! What’s stopping you from building wealth?
Grand Per Month @ Grand Per Month writes How to Make $1000 Per Month as a Soccer Referee – I just spent the entire weekend (8 hours yesterday in the rain and 8 hours today) at the soccer fields for a tournament with one of my daughters. You may or may not realize this, but being a soccer referee is a great way to earn some extra cash on a part-time basis and can easily end up yielding a cool grand in a month. I was a soccer referee for five years when my kids were younger and didn’t take as much time in their own activities.
Penny Thots @ Penny Thots writes Teresa’s Financial Story – I started from absolutely nothing. My parents taught me very little about money management so when I was in college I racked up $4000 in credit card debt, took out too much in student loans, took out private loans, worked full time and then spent all my money. You know, all the things you’re not supposed to do. Then I got pregnant. I was student teaching and therefore didn’t have a job. When I graduated, I went back and worked fast food where I had worked earlier in college because I knew th
Robert @ The College Investor writes Living Well on a Dime: The Post-College Apartment Financial Plan – While it’s tempting to go out and purchase a brand-new car, fully furnish your first apartment, and even update your wardrobe, now is the time to continue living the college student lifestyle as much as possible despite your fat new paycheck. Your future self will thank you if you follow these tips for living well on a dime.
Everything Finance @ Everything Finance Blog writes How to Avoid Check Bouncing Charges – If you write a check or pay a bill electronically from your checking account but do not have sufficient funds to cover that check, you will be charged a non-sufficient funds (NSF) fee which often ranges from $20 to $30, depending on your bank or credit union. In addition, the person you gave the bounced check to will likely incur a fee that they will pass on to you. One bounced check can easily end up costing you $30 to $50. Have several NSF checks, and you could be looking at several hundred
Michelle @ Making Sense of Cents writes Our Roommate Disaster – They always say that you shouldn’t live with friends (especially those that you have known forever), because it most likely won’t go well. And it didn’t…
Glen Craig @ Free From Broke writes How Will Your Student Loans Affect Your Credit Score? – Many don’t think about the long-term affects of student debt when they go to school, especially not how it affects their credit score.
Echo @ Boomer & Echo writes Our Fast Track To Financial Freedom – After all our bills are paid, we have an extra $2,000 per month to work with. So we came up with a fast track to financial freedom. Here’s our 40/40/10/10 savings solution:
Ken Faulkenberry @ AAAMP Blog writes Is a Strategic Asset Allocation a Failed Model? – An analysis of the advantages and disadvantages of a strategic asset allocation model should make most investors reconsider how they allocate their portfolio.
Kraig @ Young, Cheap Living writes How to Handle Life When it Attempts to Drive You Nuts – I’ve been through more than my fair share of drama and hard times in my short life so far. On the positive side, I’ve learned a lot. It has also motivated me to not let it or any future road blocks stop me from pressing forward with hope and inspiration.
J.P. @ Novel Investor writes Savings And Debt Debate: Where Should The Money Go? – The savings and debt debate has been ongoing since the first loan was created. With only so much income to spread around, a big decision must be made. Do you use any extra money to pay off debt or add it to savings?