Financial Carnival for Young Adults

3rd August 2013

Hey everyone! Today I’m bringing you the Financial Carnival for Young Adults. There are a ton of great posts below so be sure to check as many of them out as you can. Head on over to the main carnival page if you want to join in next week.

Miss T. @ Prairie Eco Thrifter writes Four Weekend Activities that Will Rock Your Financial World – If you can take a few minutes out once in a while on the weekend to perform just four financial activities, your financial world could change. Here are my suggestions on what those four activities should be!

Emily @ Evolving Personal Finance writes Choosing a Home Size – My husband and I are trying to decide what size apartment/townhouse to rent next and are thinking through all types of roommate combinations. I play with rent numbers and other variables!

Glen Craig @ Free From Broke writes The Minefield of Checking Account Fees – Here’s How to Minimize the Damage – Checking accounts have become infamous for their various fees. See the most common checking account fees and how to minimize them.

DivFin @ Diversified Finances writes Positives of Working From Home – Yes, I do realize that self-employment isn’t all butterflies and beaches, and that there will most likely be some negatives, but for right now, I do think working from home will be awesome and that I will enjoy it. Doing what I love and not having to dread every single morning that I wake up? Sounds amazing!

Glen @ Credit Card Smarts writes Don’t Head Off to College Without Knowing This About Credit Cards! – Before your child heads off to that adventure known as college make sure they are aware of how credit cards works. Otherwise they might graduate in debt!

Minimalist @ Minimalist Finance writes Fun Side Jobs for Another Income Stream – Fun Side Jobs for Another Income Stream has been published on Minimalist FinanceWhen you decide to take on a second job, you may not know where to start. Because you already work a day job, you may not want to do the same thing that you do during the day. Sometimes, having a break from your day job and being able to do work in another field is nice.

Lauren @ L Bee and the Money Tree writes 21 Days to Healthier Finances – DUHM DUHM DUHM DUHM DUHM …..DUHM! That’s what it sounds like when trumpets herald big news. At least in my mind. Why the need for trumpets and heralding? Because I wrote a short chapter in my very first e-book and I am super excited to share/pass it along to all my readers. Some of my The post 21 Days to Healthier Finances appeared first on L Bee and the Moneytree.

Suba @ Broke Professionals writes Money Tools For A Simplified Life – I love budgeting. I started with paper and a pen and moved on with an Excel spreadsheet. Read the tools I use for the job!

Brent @ PersonalFinance-Tips writes “Updating Your Home Insurance Policy After Your Move” OR “Checking on insurance during a house move” – Right, the big day has been and gone and the weeks of packing and preparation have led you to your lovely new home without too many boxes that are suspiciously more rattly than when they were packed. Not only did the removals guys find the right postcode for your new abode, but they even found the right room with some of your carefully labelled boxes.

Ashley @ Money Talks Coaching writes Don’t Rationalize Your Purchases; Do THIS instead – Being a budget coach people always want to rationalize their purchases to me.

Crystal @ Budgeting in the Fun Stuff writes Moving? 7 Tips to Help Keep Your Wallet Full – When it becomes necessary to move because of a job or simply because you want a change in scenery, it can be

JP @ My Family Finances writes Child Trust Funds Explained – With the prospect of high university fees to pay and having to help children with a mortgage deposit, many parents are – then you may have heard the concept of a child trust fund (CTF) being mentioned.

Crystal @ Married (with Debt) writes Mortgage Rates: Buy or Refinance Now (Or Else!) – “Mortgage rates are on the rise!” the headlines declare. But just how high will they really go… and how long will it take for them to get there?

krantcents @ KrantCents writes Your Career Is Going Nowhere, What Can You Do? – Has your career hit a bump, you’re in a dead end job or you just want a change? You are not alone! You could just go out with your friends and complain about it or you could do something about it.

Jacob @ AllPersonalFinance writes How to Save Money in a Tough Economy – When money is tight for everyone, it’s important to think about ways of both earning and saving money for the future. Here are a few strategies that you can use to help you stay afloat when it seems like everyone you know is drowning in debt. Save Now It’s essential to consider savings a part …

LaTisha @ Young Finances writes Entrepreneur Fridays: The ManHammer – ManHammer Co sold the first ever ManHammer™ produced to Brain Dobson, the Legendary Hardcore trainer of both Branch Warren and Ronnie Coleman. Joe Walker talks business with YoungFinances.c

Wayne @ Young Family Finance writes Summer Savings: How to Have More Fun with Less Money – Looking to get out and enjoy your sunny summer day? Look no further! Read here for fun things you can do for less during the summer season.

Don @ MoneySmartGuides writes Tips for Choosing the Right Realtor – The following post is by MSG staff writer, Shondell of Call Me What You Want, Even Cheap. She blogs about her recent car loan and mortgage pay off of over $95k and a whole bunch more.

CAPI @ Creating a Passive Income writes 10 Easy Ways to Diversify Your Income – As this economy tightens our belts, you may wonder how you can make your money go farther. Read here for some great tips on diversifying your income!

MMD @ My Money Design writes It’s Time to Get Real About Our Household Expenses – Even after all the budgets and spreadsheets, the only way we’re going to avoid a deficit this year is to get real about our household expenses. Here is how we plan to do that.

MMD @ IRA vs 401k Central writes 401k Income Limits – Can I Make Too Much to Contribute? – Unlike a Traditional or Roth IRA, there are no 401k income limits keeping you from contributing to your employer sponsored plan. Read on to find out how that can mean a lot more earnings potential for you!

DW @ Great Passive Income Ideas writes What Are the Best Quick Money Making Ideas? – Here are a few highlights of those quick money making ideas that will not take you very long to do and can start using for extra cash as early as today!

Mr. Frenzy @ Frenzied Finances writes Marriage for Cheap: The Frugal Wedding – Getting married is an expensive occasion for many, but it doesn’t have to be for you! Read here to learn how to plan a beautiful wedding for much less.

Maria @ The Money Principle writes The Importance and Tips to Building Good Credit – In this article we discuss two questions relating to good credit we all have to ask: why doesn it matter and how to improve it.

Tushar @ Finance TUBE writes Life Insurance: Differentiating the Safety & Necessity Purchase – It’s unfortunate that in today’s society there’s still a significant amount of confusion going around as to when an individual should purchase life insurance.

Chuck @ The Tortoise Banker writes Work to Maximize Your Income – Today’s rapidly changing world can provide a tremendous amount of choices to make with regards to how we earn our incomes. Take a moment to review my suggestions on how to BOOST your family’s income, and grow your nest egg!

Jester @ The Ultimate Juggle writes How to Get a Raise – Find out how to get a raise. By applying these tactics, you will be on your way to getting a raise.

Eagan Montgomery @ Personal Financial and Investment Management Blog writes Markets are efficient if they reflect available information – Whether you believe markets are efficient is very important to your decisions about appropriate investment strategies and tactics.

SBB @ Simple Budget Blog writes My Budget Categories – When budgeting, you have to spread your money into different sections. Read here to see some of the categories I use for my own family budget.

Michelle @ The Shop My Closet Project writes How the U.S.A. is not living up to its potential and what I think needs done. – I have faith that we can do better. I will start with myself. I will make sure to get up everyday and bathe. I will present myself well and make sure that I am well versed in current affairs. I will read books and engage in these types of heated conversations that initially tick me off.

Roger the Amateur Financier @ The Amateur Financier writes Want to Learn Online? Where to Find Over 18,755 Courses – A guide to online courses, featuring where you can locate thousands of free courses to expand your education and improves your marketable skills.

Debt Guru @ Debt Free Blog writes Necessary Insurance: The Insurance You Should Worry About – The message to potential dreamers: it’s dangerous out there without the three basic insurances : health, home and vehicle. Be smart – read here for tips.

Robert @ The College Investor writes Better Know a Young Millionaire – Neil Patel from Quicksprout – In this week’s installment of Better Know a Young Millionaire, I have the pleasure of chatting with Neil Patel from Quicksprout. If you’ve been in the online marketing space over the last few years, you’ve no doubt heard about Neil.

Robert @ Kids Ain’t Cheap writes How to Keep an Eye on Your Kids All the Time – You take the precautions to protect your child outside the home, but do you take the proper precautions inside the home?

Thomas @ writes When is it better to rent instead of buy a property? – Do you think you’re wasting money renting? Find out why you might be doing the right thing

John @ Wild About Finance writes Weighing up your options when it comes to savings accounts – Need help choosing the right savings account? Look no further…

John @ Cough Up The Dough writes The Role of Analytics in the Banking Sector – The Role of Analytics in the Banking Sector

Robert @ Cult of Money writes 8 Money Mistakes That Make You Look Dumb – Everyone has made a financial mistake at least a time or two. Keep your money smarts by avoiding these 8 common money mistakes that make you look dumb.

Jimmy @ Finance Romance writes Man Flu Hits The Markets – ONLY THE STRONGEST SURVIVE….MAN FLU! Man Flu Hits the Markets…

Robert @ Beat The 9 to 5 writes Welcome to the New Beat the Nine to Five – Quitter Nation – You may have noticed some changes around here lately. Notably, my absence – and now, suddenly, a lot more content! Over the weekend I combined My Multiple Incomes with Beat The Nine To Five – and now this will be my primary blog going forward.

Thomas @ Mr. Moneyvator writes Debt Solutions for Consumers – Debt can so easily spiral…but how do you get out of it? Read on for advice…

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes LEARN TO BUILD WEALTH IN 15 MINUTES A DAY – Build wealth fast with step by step money management program.

Thomas @ JourneyScout writes Planning Your Round the World Travel – Are you travelling around the world? He are some helpful tips to help you plan your trip of a lifetime

John @ Imperative Travel writes Why Travel Insurance is So Important – Think you don’t need travel insurance because you have an EHIC? Think again…

Simon @ Camp Travel Adventure writes Advice on Cheap Travel – Do you have champagne taste and tap water budget? How to make the most of it while travelling

Daisy @ Suburban Finance writes Earn More Money by Cutting Expenses – I have heard from so many people that are unhappy with their current financial situation. Do you know what they always think they need? More money. But, from my viewpoint, their financial woes are typically due to an expense problem, not an income problem. …

Kyle @ The Penny Hoarder writes Finding Good Deals? They Could Be Making You Broke – The age of the Internet makes finding a good deal easier than ever. Whether it’s finding a spa day for half off on a deal site or printing off the latest coupon for your run to the grocery store, there are so many ways you can save. For deal seekers, this can be a wonderful The post Finding Good Deals? They Could Be Making You Broke appeared first on The Penny Hoarder.

Tony @ We Only Do This Once writes Lessons Learned in Automobile “Ownership” – No one was a bigger idiot when it came to car ownership than I was a few years ago. Until I was 35 years old, I never had a car payment. Pretty cool, right? But I bought my first car 5 years ago and things went south really fast.

Tushar @ Earn More and Save writes 6 Money Saving Hacks: A Cheat Sheet for Increasing Your Savings – When it comes to personal finance earning more money loses its importance if you are spending every last dime of it. A well balanced financial plan focuses on both increasing your income and stashing a good portion in savings and retirement accounts.

Matt Becker @ Mom and Dad Money writes What is a Budget? – There’s no one-size-fits-all approach to budgeting. In the end, you simply have to find an approach that allows you to use your money to reach your goals. The specifics of that approach are unimportant, as is whether you call it a “budget” or something else. It’s the results that matter, and we all have different ways of getting them.

Haley @ On Better Terms writes 6 tricks To Afford Living On Your Own After College – Did your parents support you financially throughout college? If so, you’re probably eager to spread your wings and provide for yourself.But if you want to leave (and stay out) of their house, here are six tips to afford living on your own.

Jon Haver @ Pay My Student Loans writes How to graduate with no student loan debt? – If you polled parents around the nation and asked them what their top accomplishments for their children would be, I can almost assure the consensus would be a full ride scholarship. What a full ride scholarship does is allows children to go to college free of charge based on their high school academic careers.

Cat Alford @ Budget Blonde writes Soapbox Time: Medical School & 6 Figure Loans – The media tries to to cast physicians in a certain light (and of course there are bad apples in every profession) but the students I know are here for one purpose only, and that is to learn how to help other people. If they wanted to make a lot of money, trust me when I say they are smart enough to know that there are better ways to go about it. (Seriously, some of them are freaky smart in a way I can’t even convey.)

Mike @ Personal Finance Journey writes Why every business needs Commercial insurance – Factors any business owner should consider then it comes to insurance, risk and your business insurance coverage.

Joshua Rodriguez @ Modest Money writes ”Credit Sesame Review – In Depth Review of Credit Sesame” – ”Your credit score is a gauge of your financial stability and a key component to being approved for any form of loan. So naturally we want to keep track of our score. One website designed for credit monitoring that has really started to brand it’s name is Credit Sesame! So here’s what I’ve got to say about this option…”

Kurt @ Money Counselor @ Money Counselor writes Who Checks Your Credit Score? – What?!? In a survey 42% of U.S. consumers didn’t believe mortgage lenders check credit scores.

Ryan @ Cash Money Life writes E*Trade Online Brokerage Account Review – E*Trade is one of the best discount online brokerage accounts in the US, winning numerous accolades and awards. Read this E*Trade review for more info.

Tushar @ Start Investing Money writes Are You Living By the 3 Month Emergency Rule? – While we all know savings give us peace of mind and something to fall back on if ever we need them, few of us actually live up to that knowledge.

Christopher @ That This The MBA writes Dear Debt, I am going to defeat you – Well for my wife and I, we have set up a plan to pay down some of our debt. We have accumulated some debt over the past few years. It was by choice so that she could stay home with our two beautiful children. I wrote a post the other day asking you to take a moment to review your situation because April is National Financial Literacy Month.

Daisy @ When Life Gives You Lemons, Add Vodka. writes Get 2.5% Interest on Your Savings Account – It’s a good option to consider ING in order to get 2.5% interest on your savings account.

Ted Jenkin @ Your Smart Money Moves writes Should I Loan Money To A Friend? – All of us have had awkward money scenarios happen to us in our lives.

Lazy Man @ Lazy Man and Money writes Kanye’s $120 Shirt Vs. One Direction’s $2 Million Champagne – In the past week or so a couple of stories of celebrities and money caught my eye. I don’t usually write about celebrities (much less pseudo-celebrities who didn’t do anything for their fame), but every now and again it is worth taking a look for a little perspective. Let’s look at Kanye West and One Direction.

Kyle @ The Penny Hoarder writes Two Ways to Find Small Business Savings – A huge part of running a small business is not just looking for ways to increase revenue, but also looking for ways to improve the bottom line by cutting expenses. There are many different ways that small businesses can save on expenses, and here is a short list.

Amanda L Grossman @ Frugal Confessions writes Reader Question: Will My Financial Past Affect the Credit Score of My Credit Card Co-Signer? – I received an interesting reader question several months ago concerning whether or not getting a credit card through a co-signer would improve the person’s credit score.

Hank @ Money Q&A writes The Simple Truth on How to Get the Lowest Interest Rate on a Car Loan – It is important that you do everything you can to bring down the interest rate on your car loan so that you can save money over the life of the loan. Here is how to get the lowest interest rate on a car loan.

IMB @ Investing Money writes The Crisis in Europe is Bubbling up Again – In Europe, we are now seeing increased social and political turmoil. Read here to understand the crisis in Europe that is bubbling up again.

Kanwal @ Simply Investing writes When is The Perfect Time For You to Start Investing? – Is it better to start now, or wait a few years before you start investing? It is definitely better and more profitable to start investing sooner than later. The longer you invest the more you will earn, and reduce your risk over time.It takes time to grow your investments; this isn’t a get-rich-quick scheme.

Mrs. Accountability @ Out of Debt Again writes Nifty Credit Card Transfer Trick – As you know, I am not a fan of credit card debt. But recently I found myself advising a friend to apply for a low interest credit card.

Luke @ Learn Bonds writes Some Thoughts on Timing Your Corporate Bond Purchases – Even with the 10-year Treasury topping 2.70%, and the 30-year topping 3.70% in early Julyy, many investors still didn’t find the bonds particularly enticing.

Corey @ 20s Finances writes How to Handle Friends Who Are Bad With Money – Below are three tips that will keep the relationship and not put you in the red.

Irfan @ Everything About Investment writes What Makes Stock Prices Volatile? – If you want to invest in stocks, you must first understand how the stock market works. There’s really big money waiting for you by trading in stocks. However, you must be aware on how to gain big profits. Generally, making profits in stocks is attained by selling the stocks at a higher price than what you actually acquired it.

Investor Junkie @ Investor Junkie writes 6 Reasons Why Diversification Can Be Tricky – The secret with diversification is balance, but you have to balance it just right. That’s the tricky part, and not at all easy to do!

Grayson @ Debt RoundUp writes One Year Of Being Credit Card Debt Free! – One year ago, I made the last large payment on my credit card debt. I sucked up the pressure and dropped the last $1,600 on my debt that was fighting me for close to four years. When I clicked that authorize button, I wouldn’t have realized that my life would change. My fight with debt was long and difficult at times, but there was the light at the end of the tunnel. I was at the end of the tunnel and basking in the light, finally!

John S @ Frugal Rules writes Common Sense Things I Wish I Knew Before I Started Going to College – It’s late July, which means that many students will be going back to college soon. I share some of the common sense things I wish I knew before I started college in order to help maximize time while going to school.

Jacob @ Cash Cow Couple writes Personal Capital Review – Personal Capital is an incredibly useful tool. Come take a look at the good and the bad, as told by a current user.

Little House @ Little House in the Valley writes Back to School Tip: Don’t Go Overboard on School Supplies – As parents wrap up their summers and begin shopping for school supplies, it’s financially savvy to keep a few tips in mind:

Paul @ The Frugal Toad @ The Frugal Toad writes The Pros and Cons of Borrowing Against a 401k – If you are thinking about borrowing against your 401 (k) plan you may want think twice. Nearly one in four workers with a 401 (k) or similar defined contribution plan have taken out loans totaling $70 Billion or almost one-fourth of contributions. Taking a loan against your 401k account can have a major impact on your ability to have sufficient funds available during retirement.

Jon @ Novel Investor writes Stock Basics: The P/E Ratio – Investors like ratios and the P/E ratio or price to earnings ratio is the most popular. The P/E ratio tells us how much investors will pay for earnings.

Grand Per Month @ Grand Per Month writes Make a Grand Per Month by Buying in Bulk – Now you know that you can buy a large amount of a single item and resell them individually for a large overall profit, but what types of things could you sell?

Barb Ryan @ Pasadena Financial Advisor writes Reduce Investment Management Expenses – A myriad of other one-time and recurring industry fees that bleed away value related to your taxable retirement asset accounts.

Pauline @ writes Make more money during the holidays – Be it summer holidays, long weekends or Christmas, there are plenty of opportunities to make extra money if you are willing to work when the majority rests.

Kevin Watts @ Graduating from Debt writes What Happens to your Student Loans when you die? – A look into what happens to your Student Loans when you die

Pauline @ writes Early retirement in the US vs abroad – Early retirement can be easily achieved in a country with low costs of living. Is it worth it?

Mr.CBB @ Canadian Budget Binder writes Buying my first property: Was I too young? – When I bought my first property I underestimated the costs involved like many first-time home buyers. There is so much more to jumping in and owning a home that I learned over the years that has helped me get to where I am today.

Glen @ Monster Piggy Bank @ Monster Piggy Bank writes Super Cheap Hobbies For People On A Budget – Many people think that you can only entertain yourself by spending lots of money. I’m here to tell you that there are plenty of super cheap hobbies just waiting for you to try.

Money Soldiers @ Money Soldiers writes Responsible Car Buying Tips – Outside of home buying, car buying is the next highest purchase in your life. Make it count by understanding the financial burden it brings.

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