Sorry for the delay! Apparently my spam folder was hungrier than I thought. Without further ado, here are the submissions for The Carnival of Financial Planning that should have been posted May 31, 2013 (last Friday)!!!
BUDGETING AND ECONOMICS
Adam @ Money Bulldog writes Investing in Bitcoin: A New Frontier? – What exactly are bitcoins, and why should they be on the radar of any serious investor? Find out here.
SB @ One Cent at a Time writes Modern Home Bookkeeping with Less Effort and No Cost – This article provides the steps towards household bookkeeping using new technology and tools. If you are the one who manages the finances for your family then this article is for you to read to get rid of traditional pen and paper bookkeeping.
Jules Wilson @ Fat Guy,Skinny Wallet writes My New Plan Of Attack: Fighting Against A Strong Enemy! – Here is my plan to combat the things going on that caused my worst month in history. I need to protect myself both financially and physically and here is how I’ll do it.
MR @ Money Reasons writes Awareness of Liabilities and Your Business – Your business is important for you, and one of the important aspects of is how you can protect it. Protection comes in a number of ways, but the legal protection takes precedence over any other.
Travis Pizel @ Enemy Of Debt writes The Winds Of Debt Only Blow In One Direction – A recent morning run reminded me of my journey to get out of debt.
Steve DiGioia @ Customer Service Stories writes How Good Service In a Restaurant Affects Your Family Budget – You know the drill…money is tight so your spouse tells you to not spend too much. So you start ‘brown-bagging-it” to work. You feel a little foolish, maybe a little humiliated, that you’re forced to do this but you have no other choice. So you make up some story for your co-workers like, “I’m trying a special diet” or “My wife made me do it” so you don’t look like a cheap-skate.
S @ Making Sense of Cents writes How To Pay Off Student Loans Fast – $40,000. That’s the total amount of student loans that I accumulated while I was getting my undergraduate and graduate degrees. The amount that is left is still at $38,000 now, mainly because I haven’t paid a lot on them and interest has stupidly been building up. I would have taken out more in student loans but the last couple of semesters I paid for in cash.
Little House @ Little House in the Valley writes Cost of Living Comparison – No matter how much income you generate you should always try to live in a state you can afford, save more than you spend and keep your debt in check.
Penny Thots @ Penny Thots writes Download Thousands of Audio Books FREE! – Do you have time each week when your eyes and hands are busy but your ears and brain are not? Then audio books are for you! And you can get more books than you’ll ever be able to listen to in this lifetime absolutely free.
DPF @ Digital Personal Finance writes Self-Discipline and Financial Success – A key to success in personal finance is the ability to have self-discipline when it comes to our money decisions. This post discusses the topic of discipline and financial success.
CAREER AND INCOME
Michelle @ Making Sense of Cents writes Pursuing What I Love or What Brings in the (Stable) Money – I’m sure that a lot of you can imagine and/or see where my posts have been going lately. Last year I made the post Do You Want To Be Self Employed and I have been thinking about it ever since. It seems like passion has been taking over the personal finance world a lot lately, with Jen, Holly and numerous other wonderful ladies and gentlemen who have decided to strike it out on their own.
Suba @ Broke Professionals writes 3 Things You Must Do Before Traveling Abroad – Traveling abroad is far more complicated than staying closer to home. Here are the three calls you’ve got to make before heading overseas!
Wayne @ Young Family Finance writes How to Buy the Right Car for Your Family – Looking for a new car? If you have a family, you want to get the right one. Here are tips on buying cars fitting your family’s finances.
Green Panda @ Green Panda Treehouse writes How Do You Excel at Your Summer Job? – How-to get your next summer job guaranteed.
BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes IS MONEY THE ONLY MEASURE OF SUCCESS? – Every job makes a contribution. And doing one’s job enthusiastically and competently can make you a success in any area.
SBB @ Simple Budget Blog writes Budgeting in Your Summer Fun – Looking for some summer fun, but unsure of how you’ll pay for it all? Here’s some tips on how to plan your finances during the busiest season of the year.
Robert @ Entrepreneurship Life writes Young Entrepreneurs are Some of the Most Successful Entrepreneurs – If you’re in your twenties wanting to start a business, you may be headed right towards entrepreneur stardom. Some of the most successful entrepreneurs started their business in their early to mid-twenties. Find out who these entrepreneurs are, why they succeeded, and how you can do the same.
DEBT AND CREDIT
Irfan Ahamed @ Everything About Investment writes How to Deal With Erroneous Credit Card Transactions – When it comes to credit card charges, you don’t have to immediately assume that they are telltale signs that will enable you to identify credit card fraud. Sometimes, these are just erroneous charges or double billing that can and will be reversed. Here is how to differentiate, as well as how to deal with errors in your credit card entries.
Daniel @ Sweating the Big Stuff writes Where To Invest Extra Money When The Stock Market Is On A Hot Streak – Since I have a lump sum investing strategy, it’s time to decide where to invest my checking account balance.
Kevin @ 20smoney.com writes Pell Grants for College – The application for Pell Grants is easier to do in the 2013 season than ever before.
Jon Haver @ Pay My Student Loans writes http://www.paymystudentloans.com/qualify-for-federal-student-aid-without-a-cosigner/ – When it comes to repaying your federal student loan, there are many options to consider. Make sure you know when repayment starts, how to make your payments, payment options, forbearance and deferment option.
INVESTING AND SAVING
Adam @ Money Rebound writes Speed up your Climb from Debt – Getting out of debt can seem like an impossible task but it can be done. Find out where to start in this encouraging post.
Jon @ Novel Investor writes Stock Basics: All About The Dividends – Whether a stock pays dividends may play a big role in your investment strategy. This is what you need to know when investing in dividend stocks.
Michael Kitces @ Nerd’s Eye View writes The Rise Of The Spousal Lifetime Access Trust (SLAT) – As the estate tax system shifts, most people will no longer be subject to Federal estate taxes, but more than 20 states still have a state estate tax. As a result, new planning strategies – like the Spousal Lifetime Access Trust (SLAT) – become necessary to deal with the new environment!
Mike @ Personal Finance Journey writes Are you chasing the coupon dream? – Do you spend time saving money with coupons and is it worth your time. How your coupon spending can benefit others and your family.
Hank @ Money Q&A writes Are Your Budget Assumptions Throwing Off Your Family Finances? – You need a budget, but you need an accurate budget. Budgets are built on both facts and assumptions. Are your budget assumptions throwing off your family’s finances?
IMB @ Investing Money writes Is Tesla Motors Another Apple or Google? – Let’s talk cars! We know you love ‘em. Today we want to look at Tesla Motors, the custom electric car company and its 10-year struggle to profitability.
Jacob @ AllPersonalFinance writes 5 Characteristics of Successful Traders – Many people have different ideas about what makes someone good at trading stocks. It’s a stressful job, full of risk and strategy, and saying 10 percent of traders make a profit would be a generous estimate.
Pete @ Intelligent Speculator writes Dividend Yield on Cost Is Irrelevant – Why we don’t care for the dividend yield on cost.
Martin @ Studenomics writes Are You Too Scared to Invest Real Money in Stocks? Try This! – Let’s start off with stocks without going broke!
Roger Wohlner @ The Chicago Financial Planner writes Should You Tap Your 401(k) to Buy Real Estate? – There was a recent article on the CNN/Money website entitled Amateur investors tap 401(k)s to buy homes that discussed an increasing trend of 401(k) investors who tap their accounts to buy houses. The thought process is to take advantage of the hot housing market in some areas on the country with money that would otherwise be locked up in a 401(k) until retirement. Home prices are appreciating in some markets, so what is wrong with this strategy?
Crystal @ Budgeting in the Fun Stuff writes Ways to Give When You Don’t have Much Money to Spare – The end of the year is a wonderful time to donate. But what about the rest of the year, during times when there are no natural disasters to rally our wallets?
Super Saver @ My Wealth Builder writes All ETF Strategy for Two Retirement Accounts – I’ve decided to implement an all ETF investment strategy in our retirement accounts during the next stock market correction.
Ryan @ Cash Money Life writes 4 Creative Ways to Be Frugal – You’re accustomed to finding ways to be frugal and save money. But what are some more creative ways to be saving money over the long haul? Here are a few!
Invest It Wisely @ Invest It Wisely writes 5 Fees You Should Never Ever Pay – These 5 fees that no one should pay result from being careless, disorganized, impulsive or distracted.
Tony @ We Only Do This Once writes Resolve to Declutter – Spring is the perfect time to declutter. The effects are so immediately apparent, they’ll give you a sense of accomplishment — a perfect way to go about tackling more challenging goals.
John @ The Investing Monk.com writes Five Must Know Personal Finance Basics – This post outlines five basics of personal finance and financial planning that you need to know. These will help you be more cognizant about saving and investing.
Adam @ Money Rebound writes Simple Ways to Save Money – Sometimes it can feel impossible to save even a fraction of your income. But if you take a step back and look at the big picture, you will find that you can always figure out a way to save a few bucks.
RISK MANAGEMENT AND INSURANCE
Glen @ Making Money Online @ Making Money Online writes Stop Loss in Forex Trading – Learn about how to set a stop loss to limit your exposure when trading currencies on the Forex market.
REAL ESTATE AND PROPERTY
Glen @ Monster Piggy Bank @ Monster Piggy Bank writes Should I Buy a Rental Property as an Investment – A post about deciding if getting a rental property is worthwhile as an investment decision.
Brent @ PersonalFinance-Tips writes Financial Management Tips for First Time Home Buyers – Purchasing any sort of real estate can be a stressful time, especially if you’ve never done it before. Thanks to the high pressure and large amounts of money involved, it is important to manage your finances in the right manner, ensuring that you don’t end up wasting your cash and inconveniencing yourself in the future.
Lauren @ L Bee and the Money Tree writes Buying a Home Is Exhausting – Here are my tips to combat what I call “home search exhausting”, because buying a home is super stressful!
Corey @ 20s Finances writes Real Estate Investing: Single Family Unit vs. Multi-Unit – If you’ve read any piece of financial news lately, you’d know that American real estate is back on an upward trajectory. Last month it was reported that single family homes in the United States had increased in price at the fastest pace since 2006. This trend looks sustained.
Crystal @ Married (with Debt) writes We Sold Our House – If you’ve been following along, you know we’ve been trying to sell our house. Shortly after my last post, we got an offer. This was about 60 days after listing.
Lynn @ Wallet Blog writes Just in time for 5/29: 529 College Savings Plans – During the past 10 years, the cost of tuition and room and board at 4-year public universities has risen by nearly 49%. To offset this sticker shock, simple investments specifically designated for college planning are a good way to go.
RETIREMENT AND TAXATION
Ted Jenkin @ Your Smart Money Moves writes Will You Lose Your Home Mortgage Deduction In 2013? – One of the main questions taxpayers will face this this year is whether or not their home mortgage deduction will be phased out.
Amanda L Grossman @ Frugal Confessions writes Steps to Start Down the Extreme Early Retirement Path – It is exciting to me that extreme early retirement is not some exclusive club that is unattainable for those of us with moderate incomes.