I’m honored to host this week’s Carnival of Financial Camaraderie and I’ve dubbed it the Groundhog’s Day Edition. Whether Phil sees his shadow or not…the question you should ask yourself is- are you going to have a stormy or sunny financial life over the next 6 weeks, 6 months or 6 years? The links below will hopefully help guide you to a brighter financial future- Enjoy!
Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Creating an Automated Zero-Based Budget to Strategically Manage Your Month-to-Month Finances – The post covers an important step that should be taken in personal finance – creating a zero-based budget to manage your monthly finances.
Rich Avery @ Money Wise Pastor writes What is Social Entrepreneurship? – What is social entrepreneurship, or social enterprise, and how can business help make your community and world a better place?
Mike @ The Financial Blogger writes Q1 Net Worth Update – How’s your first quarter doing?
Lance @ Money Life and More writes How We Set Up My Girlfriend’s Budget – Budgets… a lot of people can’t stand them! My girlfriend isn’t a huge fan of budgets either but she recognizes how budgets help you achieve your financial goals. More importantly, my girlfriend’s budget was made specifically to achieve her number one goal.
Darwin @ Darwin’s Money writes Dollar Cost Averaging: Actual Results From the Past 10 Years – 10 Years of Results crunched for how you would have fared if you dollar cost averaged into the market versus a one-time investment. Interesting results!
Matt @ Living in Financial Excellence writes Putting Perspective on the Fiscal Cliff and the Idiots in Congress – A friend of mine sent me the following today. I’ve seen it before on Facebook and a few other places online but it’s worth sharing again. It breaks down this whole fiscal cliff nonsense into laymen’s terms so it’s easier to relate to.
Penny Thots @ Penny Thots writes Save for Christmas Now – I encourage you to open a separate savings account and begin saving for Christmas now so that you can avoid the cycle of getting into debt. By saving money throughout the year you have the benefit of your money working for you all year long (earning interest). Then come January of next year, you don’t have to worry about paying credit card debt off. You can focus your attention on other financial goals.
John S @ Frugal Rules writes Taking the Plunge: Budgeting and the Entrepreneur – Taking the Plunge into running your own business is not one that should be taken lightly. If you’re considering running your own business, make sure you have your budget in place beforehand.
Mr.CBB @ Canadian Budget Binder writes How I Turned My Passion and Skills Into Making Extra Money – Using her skills single Mom Katrina posts an online which jump starts her new part-time business to make extra money.
David Leonhardt @ A Ghost Writers Blog writes Hagrid moonlights – This was not even intended to be a story about personal finance, but Hagrid teaches us a valuable lesson on economics and price-setting (and choosing opportunities), just the same.
James Petzke @ This Is Common Cents writes The Good and Bad of Self Employment – Is being self employed for you? Make sure you consider the good and bad.
PPlan @ Provident Plan writes 4 Ways to Save Money in College – College is getting more expensive by the day. Saving money while in college is important in order to limit your student loans.
SFB @ Simple Finance Blog writes Which Insurance Policy is Best for You? – The question of “What type of insurance is best for you?” is an important dilemma that many adults face. How will you determine what is best for you?
Cash Flow Mantra @ Cash Flow Mantra writes 4 Steps to Gain Confidence as a Freelancer to Earn a Grand Per Month – Lacking confidence as a freelancer can leave you stuck, unable to make the first move to get clients so you can earn a grand per month. If you want to know a secret, though, almost all freelancers experience moments of doubt, especially when they are just starting. The key is not to let your sense of doubt overwhelm you and cause you to not pursue your goals. If you are intimidated by becoming a freelancer, there are steps you can take to put your lack of confidence in check.
Robert @ The College Investor writes Does H&R Block’s ‘Second Look’ for Tax Return Errors Really Work? – Here are some stats from the IRS that may make you take your own second look at your tax return this year.
Jeff Rose @ Good Financial Cents writes 4 Practical Money Skills You MUST Teach Your Children – One of the best things you can teach your children is the skill of money management. Here’s the most basic practical money skills that everyone should have and how to teach them to your children.
harry campbell @ Your Personal Finance Pro writes My New HSA Strategy – Rollovers and Trustee Transfers – Since my company was acquired by an even larger one last year, 2013 will be our first full year under the new administration. That means a whole lot of changes to our benefits and one of those will be to our HSA provider. Although the HDHP insurance portion will still be served by Aetna, our HSA provider will be switching from Fidelity to Chase. Chase is similar in respect to Fidelity but their investing options are more expensive and more limited. And since I don’t rely on my HSA for medi
Dorethia Conner @ The Money Chat writes Oh Baby! Preparing Financially For Your New Bundle of Joy – Becoming a new parent is one of the most rewarding and expensive experiences of your life. Check out this article of how you can prepare your pocketbook for the new addition.
krantcents @ KrantCents writes Rich Man, Poor Man – Rich man, poor man is not intended to leave out women! I am really trying to examine the difference between rich and poor and help you achieve what you say is a goal. Most 18-25 year old say getting rich and becoming famous are important goals for them.
Thomas @ Finance Inspired writes Moving Abroad to Escape Debt – When faced with high levels of debt some people feel like they have no other choice but to run. Let’s have a look to see whether moving abroad to escape debt is even an option anymore.
John @ WILD about Finance writes How to use your cash card safely online – It’s important to be conscious of the threats surrounding using your credit card online, read this for a great little knowledge nugget.
MMD @ IRA vs 401k Central writes What are the 401k Withdrawal Rules for Getting My Money Back? – Before putting too much money into your employers retirement plan, it helps to understand the 401k withdrawal rules and when you’ll see your money again.
Gary @ Gajizmo writes Paying Off My Mortgage? – It’s the beginning of the year and you are planning your finances. Young or old, will you be deciding to pay off your home in the next few years? Does it make sense to do so? Here are the pros and cons of paying off your mortgage early.
Scott Skyles @ Mortgage1a.com writes New Mortgage Rules and Their Impact on Borrowers – This past week the CFPB (Consumer Financial Protection Bureau) announced their new rules on residential home mortgages, leaving consumers wondering just how this will affect potential home buyers.
Steve @ 2012 Taxes writes Wealthy California Residents Upset About Higher Tax Rates – Many business owners are seriously considering leaving “The Golden State” for good due to excessively high taxes.
Bank Free Credit @ Bank Free Credit writes How Do I Improve My Credit Score? – Trying to get a loan and having problems? Can’t get a good interest rate? If you’ve had this problems you’ve probably asked yourself, how do I improve your credit score? There are a few things that get a credit score looking better. Most people don’t think seriously about their credit score until it is too late – when they are preparing to make a major purchase – such as a mortgage or a car. You need to improving your credit score before you get to this point.
Peter @ Bible Money Matters writes File Your Taxes Early to Avoid Being a Victim of A Popular Tax Scam – Criminals have come up with plenty of scams to access your tax return money. The key to avoid being scammed is to know the latest strategies criminals are using, to keep your social security number private, and to file your tax return as soon as possible.
Edgar @ Degrees and Debt writes Monitor Your Credit for FREE – Ways to monitor your credit for FREE!
William @ Quote Me A Price writes Can a Structured Settlement Transfer be Blocked by the Court? – Many people rightfully think that the decision of how to best use their resources, like money, is theirs to make. This is especially true of annuities and structured settlements, although that might not actually be true. Many states have laws in place dictating how structured settlements are dealt with, especially transfers or sales.
Miss T. @ Prairie Eco Thrifter writes Saving Money on Renovations – Like all home buyers (particularly property virgins), we have a vision and don’t want to sacrifice what we want. That being said, we don’t have an unlimited budget. So, (surprise, surprise), we have to sacrifice some of our “wants”.
Lazy Man @ Lazy Man and Money writes Easy Things You Can Do to Save Money – Saving money doesn’t have to be a difficult task or require you to get two jobs. These are just a few simple ways you can save money. You can do some research to see what other things you can do to save money without having to clip coupons or sign up for deal sites.
Jason @ Live Real Now writes Comcast: A National Treasure – Our Tivo died last week, so we ordered a replacement. We accidentally ordered the wrong one. Crap. We could send it back and miss out on the Tivo for another week, or we could upgrade our cable package. Hmm….
Jules Wilson @ Faithful With a Few writes What I Learned About Contentment from Watching House Hunters – It doesn’t matter whether we are thinking about our home, car, electronics, job, clothing, or even relationships; we need to be grateful and thankful for what we have.
Jules Wilson @ Fat Guy,Skinny Wallet writes Plumbing And The Family Tree: The Roots Run Deep – We often have resources close to home. There are probably people in your family, your church, job, or even friends that can help save you time and a lot of money.
Jason Hull @ Hull Financial Planning writes Should You Invest In a Crowdfunded Business? – With the passage of the JOBS Act opening up the possibility for ordinary investors to invest in private equity ventures, we examine if you should invest in a crowdfunded business.
Emily @ PT Money Personal Finance writes Why Millennials Are Delaying Homeownership – There are multiple reasons you’re not seeing many twentysomethings purchasing homes. And chances are, you won’t see those numbers increase anytime in the near future either.
Amanda L Grossman @ Frugal Confessions writes Our 2012 Energy Consumption – Each year I take the time to review our energy consumption from the previous 12 months (electricity and natural gas costs).
BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes WHAT IS AN ETF AND HOW TO INVEST IN ETFs – ETF investing. Are ETFs better than mutual funds? Pro’s and con’s of ETF investing.
Green Panda @ Green Panda Treehouse writes How Are You Going to Make Money? – We look at the importance of figuring out how to make money with an idea.
Roger Wohlner @ The Chicago Financial Planner writes Life Insurance as a Retirement Savings Vehicle – A Good Idea? – If approached by someone trying to convince you to use life insurance as an investment vehicle for retirement or any other purpose be very leery and ask many questions. Make sure this is a good deal for you and not just for the rep trying to sell you the policy.
Div Guy @ The Dividend Guy Blog writes 2012 RRSP Contribution Limits + 5 Investing Strategies That Will Boost Your Retirement – Tips for maximizing your retirement planning this year.
Pete @ Intelligent Speculator writes Adding Passive Income Flows: Buying A Farm? Am I Crazy? – Maybe it’s time to get into farming!
Mike @ Experiglot writes Where Are You Keeping Your Money? – Where have you been saving your money?
Dividend Growth Investor @ Dividend Growth Investor writes The Dividend Kings List Keeps Expanding – The following companies have managed to reward their loyal shareholders with a dividend raise for over 50 years in a row each. This is particularly interesting, since this period covered several recessions, a few oil shocks and one embargo, a few wars, inflation and a lot of change in the global economy.
Crystal @ Budgeting in the Fun Stuff writes Started as Little Wants, Became Obsessions – I saw some little yard gnomes that I wanted, but pretty soon, I felt like I had to have them. Do your cravings turn into obsessions?
Kanwal @ Simply Investing writes What is a Dividend Aristocrat? – A dividend aristocrat is a company that has paid dividends consecutively for 25 years or more. Standard and Poor’s (S&P) maintain a list of US dividend aristocrats. Dividends are key to investing successfully. Dividends are cash payments made to shareholders. Once a dividend is paid it can never be taken back.
Don @ MoneySmartGuides writes Create Wealth Through Property Investment – Read how to create wealth through property investments.
Rohit @ The Money Mail writes No-Fee Roth IRA Accounts – Returns in your retirement account can be diminished by the fees the custodians charge. You should select accounts that have no minimum balance requirements or annual maintenance fees. Some brokerage houses are now offering many free mutual fund options within Roth IRA but you will still have to pay for individual stock transaction. There are other criteria you should look at when selecting a Roth IRA account provider such as research and investment tools, and range of other services. This artic
Simon @ Your Wealth Planners writes Eco-Houses popping up around the UK – With the recent shift to living a more ‘Green’ lifestyle, along with lowering your carbon footprint, a new craze looks set to sweep the UK in the form of eco-houses.
MMD @ My Money Design writes Rethinking My Strategy for What Stocks to Buy This Year – I’ve been giving a lot of thought as to what stocks to buy this year and using the Dogs of the Dow strategy. Here’s why I’m reconsidering this plan.
Chris @ IRetireEarly writes Advantages and Disadvantages of Mutual Funds – Mutual funds have been longstanding staples of the finance industry, but is mutual fund investing the right move for you and your financial goals? Check out the top 3 advantages and disadvantages of mutual funds.
Daisy @ Add Vodka writes The Many Inspections Needed When Buying an Older Home – We are happily settled settling into our new house; many boxes are unpacked, we’ve been able to conquer some of the work required to make it a comfortable living space, and I’ve just been able to start sleeping better in our… Read our discoveries!
Passive Income Earner @ The Passive Income Earner writes Is Netflix the next Cable model? – Will Netflix pave the way for the Cable companies for content subscription?
Brett Wilson @ WStreet Stocks writes Why Caterpillar Is Worth Owning – I describe why investors should consider Caterpillar.
PK @ Don’t Quit Your Day Job… writes Treasury Return Calculator – What sort of return would you have with the 10 year treasury, assuming you reinvested the coupon payments? Finally, you can have that answer!
Josh Thompson @ Becoming Your Own Bank writes Infinite Banking Video – We have a new Infinite Banking sketch video that you will love!
Evan @ My Journey to Millions writes Starting an Investment Club – I am taking the plunge and starting an investment club with a few friends, and I love to hear your input. The idea for an investment club originated about 4 years ago, but quickly died down after my employer told me it was a hassle with regards to compliance. However, last week after a few scotches (best ideas start with that sentence) I decided with a co-worker to find out what “hassle” meant; turns out the speed bumps weren’t that bad.
Jon @ Novel Investor writes Intro To Stock Index Weighting Methods – Index based ETFs and index funds are a popular choice for investors these days. But do you know how that underlying index works? Is it built to be a good investment strategy?
Investor Junkie @ Investor Junkie writes 5 Tips for Rebalancing Your Retirement Portfolio – Every so often, it makes sense to take a look at your retirement portfolio, and make a few changes. Rebalancing your portfolio helps you keep your asset allocation on track, and can help you cull some of the irredeemable losers from the mix. As you prepare to rebalance your retirement portfolio, here are 5 things to keep in mind:
Ray @ Squirrelers writes Stocks in February: Time for a Correction? – Stocks increased sharply in the first month of 2013. Based on this massive run up, as well as the history of February performance, is this a time for a correction?
DPF @ Digital Personal Finance writes How Often Do You Upgrade Your Phone? – Upgrading one’s phone as soon as the contract is up is almost standard practice for some people. This post discusses why it may be more than just okay to ignore the contract expiration and simply keep the “old” phone.
KK @ Student Debt Survivor writes Personal Finance is Personal-Butt Out – If you share details about your personal finance situation with your friends and peers should you expect that they offer advice? Are you annoyed when they do?
Glen Craig @ Free From Broke writes What is the Difference Between a Will and a Trust? – A will and a trust are important documents to have for your family after you die. It’s important to understand what each of these are and how they work.
Daniel @ Sweating the Big Stuff writes How Much Do You Need To Save To Switch Insurance Companies? – When your car insurance is up for renewal, how do you decide whether to switch? Use this guide to find out.
Jennifer Lynn @ Broke-Ass Mommy writes When quibbling over finances leads to a rift in friendship. – Sometime money discussions and escalate to bad feelings, read my experience and advice.
Suba @ Broke Professionals writes Why Can’t Men Remember Things? – Male traits set the guys up to fail when it comes to remembering names and other crucial details. Why memory matters, and why improving it can help your career.
Sustainable PF @ Sustainable Personal Finance writes Why You Should Take Care of Your Finances First – One of the financial virtues that our society lauds is helping others.
A Blinkin @ Funancials writes Diversify Your Taxes, B!tch – Consider shifting some of your assets from a taxable account to one that is taxed later or never taxed. This way, you’ll be taxed on what you spend rather than what you earn. Checking accounts, savings accounts, stocks and bonds are examples of accounts that are taxed now. 401(k), IRAs, and annuities are examples of accounts that will be taxed later.
Ashley @ Money Talks Coaching writes Check Out the Median Income Over Time – I just came across this chart I made a few months ago. It’s the median income adjusted for inflation from 1984 to 2010. I think it’s very interesting.
Michael @ Financial Ramblings writes The 2013 Social Security Wage Base – Did you know that Social Security taxes are only collected on income up to a certain point? This is the so-called “wage base”, and it increases each year.
Tushar @ Earn More and Save writes Analyzing Savings Account Interest: Worth It? – Should you bank on savings account interest as a tool for growing your money?
Mike @ Personal Finance Journey writes Eating Well but Saving More – You might not know it, but your bad habits can lead to costly meals. Here are some tips for saving money on food.
Roger the Amateur Financier @ The Amateur Financier writes Money and Child Raising: Cloth vs. Disposable Diapers – A comparison of cloth and disposable diapers on issues of cost, environmental effect and convenience, with discussion of which diaper is better.
Hank @ Money Q&A writes Tips To Save Money On A Mortgage – There are a few solutions to make a mortgage more affordable. If paying down the principal in advance is feasible, it is an effective method to save money on a mortgage.
Invest It Wisely @ Invest It Wisely writes How to Raise Happy, Healthy Children – There are many ways to shape our children into the happy, healthy children we desire. Here’s a few tips to aid you in getting there.
Maria @ The Money Principle writes Dealing with debt: change your mental attitude – Mentality is often underplayed when dealing with debt. Here I discuss three mental shifts that will help you pay your debt off and fast.
CAPI @ Creating a Passive Income writes Passive Income for the Brave: Investing 101 – Investing can be really addicting, especially as you focus on developing passive income streams. Find out how you can control yourself.
Jason @ Work Save Live writes Tips to Save Money on your Cable Bill – If you are currently paying $50-$60 a month for 200+ channels you rarely watch did you know you have options? Here are 3 options that will not only save you money on your cable bill but can also actually improve your programming.
Jen @ Master the Art of Saving writes Why Didn’t I Get A PrePaid Cell Phone Sooner? – While I would love to have a shiny new iPhone and be able to get online no matter where I am, I’m not willing to spend that much money. Granted you can…
ETZ25 @ Entertainment Timez writes AIG Alert – Are Others Starting to Notice This Stock Too? – Is AIG starting to get noticed for the value that I believe that it is? Is it kind of like a dolphin caught in fishing lines? To infinity and beyond!
MR @ Money Reasons writes My Secret Wealth Goal – Today I’m going to reveal on of my secret wealth goals. If I can conquer this goal, I should be financially independent and on my way to becoming wealth.
Wayne @ Young Family Finance writes Saving Money for a Puppy – Families buy puppies before understanding what dog ownership will cost them. Find out how much it costs to raise a dog and how to prepare.
Tushar @ Finance TUBE writes Little Known Facts About Credit After Bankruptcy – Today we will be talking about the known Facts about Credit after Bankruptcy. Bankruptcy is a terrible thing and it leave a colossal blemish on your credit report for a minimum of seven years. In some cases there remains a black mark that remains up to a decade.
JP @ My Family Finances writes Ways to Hoard Your Gold – While no storage method is perfect, there are many ways to hoard your gold. Just make sure you consider your own personal needs when making a decision.
Anne @ Unique Gifter writes Cheque Mate! Wedding Check Writing Tips – Important Dos and Don’ts for good wedding check writing etiquette! Simple tips that will ensure your gift is well received.
Jamie Dickinson @ YourSavingAngels writes File Sharing Could Cost You More Thank You Think – Illegal file sharing could land you in more trouble than you expect.
Jon the Saver @ Free Money Wisdom writes Easy Ways To Protect Your Money – Here are some practical and easy ways to safeguard your money and ensure that it stays protected.
Kyle @ The Penny Hoarder writes 7 Top Tips to Deal with Mortgage Troubles – Here are a few things you may wish to think about when contemplating your mortgage and what-if type questions: If your circumstances change and you find yourself doubting your ability to meet your mortgage repayments, you must contact your mortgage provider as soon as possible.
Corey @ Steadfast Finances writes 5 Things a Recent College Graduate Should not Buy – Everyone wants new stuff, but it’s not always financially wise. Find out what things college graduates should NOT buy.
Eddie @ Finance Fox writes 10 Priceless Gifts That We Can Give Ourselves in 2013! – The best things in life aren’t things, and the best things that are things in life are FREE! Here are 10 priceless gifts that we can give ourselves in 2013.
Aloysa @ My Broken Coin writes Why Some Women Prefer Older Men (Money is Not The Reason) – Where are the reasons that some women prefer older men. It’s not just for the money.
TDB @ Tax Deduction Blog writes Look Twice: The Most Overlooked Tax Deductions – Most people know the common tax deductions, but if you look hard there are lot of easily overlooked tax deductions, here is a list of them.
Corey @ 20s Finances writes Choosing a Business Accountant – Whether you’re just starting out as a freelancer, have set up your own company or have owned a business for years, choosing the right accountant is extremely important. A good business accountant can make sure your company is set up correctly from day one, that you’re paying the right amount of tax and that you’re saving money wherever possible.
Luke @ Learn Bonds writes 4 Reasons the Junk Bond Rally Will Continue in 2013 – Many investors think that yields can’t go any lower and that interest rates will reverse in 2013. Here’s why they are wrong about the junk bond market.
Ted Jenkin @ Your Smart Money Moves writes Money Unhappiness? It’s All About Expectations – Every year that the birthday clock turns another year I ask myself one simple question, Am I getting any wiser? Many say that gaining wisdom in life is
Tushar @ Start Investing Money writes How to Use the ADX Stock Indicator – The ADX indicator can be a useful tool when it comes to gauging whether a particular trend is worth following in terms of investments. The indicator was created back in 1978, and the letters stand for the Average Directional Movement Index.
Holly @ Club Thrifty writes Credit Card Churning: A Year in Review – Anyone who reads this blog knows I’m a credit card rewards junkie. Here is how we used credit card churning to make over $2,000 this year!
KK @ Student Debt Survivor writes My Finances, His Finances, Our Finances – Do you and your significant other share bank accounts? When you marry should you combine you finances or keep your own individual accounts?
Ready to work with me, have questions or want to talk before you make a commitment? Call me at 972-900-6185, email me at coach AT financialconflictcoach DOT com or fill out the Contact Form.
As I spend time with my family and friends over the next couple of weeks, I've decided to do something...