Financial Carnival for Young Adults ' 8th Edition

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Welcome to the eighth 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.

Featured Articles on Young Finances:

Robert @ My Multiple Incomes writes Getting Money for Starting Out - Starting your side gigs can be the hardest part of getting going. Like it or not, most side businesses do require some level of funding. I like websites and blogging because the start-up capital required is very small ' you can get a domain name and hosting for around $60. The only real investment beyond that is my time. However, not all side jobs are the same, and some do require a bit of start-up funding. Here are some tips on how to get money when starting out.

Everything Finance @ Everything Finance Blog writes Clever Ways to Pay for College - The rising cost of college tuition is staggering. According to the Institute of Education Sciences, the average cost of a 4-year institution is an amazing $32,475 for 2009-2010, up from $8,672 in 1980-81. $32,475 is for each year, making a four year ride cost nearly $130,000! There are homes that sell for less than that.

Julia @ Grad Budget writes Grad School Secrets: Delicious Food on a Budget - Discusses several ways to minimize money spent on food.

Robert @ The College Investor writes College Budget Woes - Students are always trying to find ways to get more bang for their buck. With the pressures of doing well in class, money should be the least of their worries. I have a few suggestions that I hope will help the average college student stretch their dollar.

Maria @ The Money Principle writes Five things older people have and young people' - Living in a culture glorifying youth we start fearing aging, forgetting that older people have knowledge, wisdom, wealth, happiness and cheaper insurance.

Tushar @ Start Investing Money writes Tips for Building a Mutual Fund - This Post was Originally published at Tips for Building a Mutual Fund on Start Investing MoneyBefore you begin investing in mutual funds blindly, you need to have a firm grasp of what they are and how they can work for your financial portfolio.

Jon the Saver @ Free Money Wisdom writes How Can You Kill Student Debt in School? - Killing student debt while in college is not an impossible feat. Use these tips to destroy your debt in school and graduate debt free!

Dr. Dean @ The Millionaire Nurse Blog writes Save on Gas: At The Expense Of Our Marriage? ' A Mars and Venus twist on the 'improving your gas mileage' article.

Other Great Articles:

Steve @ Money Infant writes Frugal Meals: Chili ' I'm a huge fan of chili. There's something about the meaty spiciness of chili that makes my mouth water just writing about it. And it is versatile and frugal.

John @ Married (with Debt) writes Early Retirement Extreme ' In a recent post I laid out some money myths designed to keep people trapped in wage slavery. I want to talk today about how to buck those myths and try to achieve early retirement extreme.

Jeffrey @ Money Spruce writes Time and Money Goals, Aligned ' There are productive things I could be doing instead of _____. Many things fit in that blank: watching sports, Facebook, sleeping. But there are also things that might not be a productive use of my time, and they cost money, too. I'm talking about going out to bars or restaurants, taking trips on the weekends, or other things of similar nature.

Sean @ One Smart Dollar writes 5 Tips to Cut Your Moving Expenses ' Moving can be a very expensive process. Follow these steps to make it a little easier on you and your wallet.

ETZ25 @ Entertainment Timez writes A Dividend Stream For Entertainment ' We decided to create a dividend stream for Entertainment Timez. The dividend stream will help fund the entertainment activities here!

Jester @ The Ultimate Juggle writes Staying Healthy While Busy ' Find out how to lose weight even when life is busiest.

Princess P @ Portfolio Princess writes Smart, Savvy, And On A Budget ' Sometimes sticking to a budget is no easy task, but there are ways to make saving money easy by following these simple budgeting tips.

Jeremy Waller @ Personal Finance Whiz writes My Car Was Totaled Today ' Oh man what a rough day. I lost a good friend today. My beloved jeep was totaled in an accident. I was driving to my office today the same as I've done every week day for the last 5 years. About 3 miles from my exit, 2 dogs ran onto the road. Unbeknownst to me'

MMD @ http://www.mymoneydesign.com writes How to Buy an Index Fund ' If you're new to investing, you're probably not totally sure what an 'Index Fund' is or why people always talk about them. Read on and I'll show you how to buy one of the easiest and cheapest Index Funds available.

A Blinkin @ Funancials writes How To Pay Off Your Mortgage Quicker ' I just told you that I Don't Want To Be Debt Free and now I'm going to tell you how to pay off your mortgage quicker, how does that make sense? I do so because personal finance is personal. I would never give the same advice to everybody.

MR @ Money Reasons writes Reasons To Get A Tax Refund ' Tax reasons that getting a tax refund might be the better option for you, and why I declare zero allowances.

Scott @ Mortgage 1A writes FHA Loan Underwriting Guidelines and Requirements 2012 - The Federal Housing Administration, commonly known as 'FHA,' is part of the U.S. Department of Housing and Urban Development (HUD.) The program was created for low income individuals, or families that might need a little help in the homeownership process.

Amanda L Grossman @ Frugal Confessions writes A Refinance Game-Changer for Us ' I could not be happier than a person whose mortgage company decides to lower their rate at no cost to them ' which is exactly what is happening for us!

Don @ MoneySmartGuides writes Saving Money By Paying For Health Care Costs ' As my regular readers know, I had some issues earlier this year with my knee. I needed to get an x-ray and then an MRI. For all of my adult life, I had been part of a PPO medical plan.

Daisy @ Add Vodka writes Big Decision ' This week has been a very 'Daisy centered' week so far on WLGYL, because I started off the week with my budget and goals and now I'm going to tell you all about a big decision I have to make.

YFS @ Your Finances Simplified writes 6 Awesome Places to Retire Abroad ' The US economy currently isn't at its best. I mean we are recovering but, right now the economy is on a topsy-turvy ride as it battles the influences of the European debt crisis.

Eddie @ Finance Fox writes 5 Unusual Ways To Make Money ' Thanks to suggestions by some friends online and in the PF blogging community, I have been able to put together a compact list of 5 different and unusual ways to make money.

Luke @ Learn Bonds writes Inflation Protected Bonds ' i Bonds are the Clear Winner ' Looking for inflation protected bonds? In this article we give a comparison of two popular options TIPS and i Series US Savings Bonds.

KT @ Personal Finance Journey writes 3 Easy Ways to Grow Your Emergency Fund ' For many people, putting money aside in an emergency fund is no easy task. Whether you are struggling with a low paying job or too much debt to repay, you may feel that every dollar is already accounted for. However, there are some ways to save that are (nearly) painless.

Crystal @ Budgeting in the Fun Stuff writes How to Get the Best Price for Your Car ' The following is a guest post from Aaron at Three Thrifty Guys about how to get the best price for your car.

PITR @ Passive Income To Retire writes What is Retirement? ' Find out what the traditional view of retirement is and how I see retirement as something different.

Earth and Money @ Earth and Money writes Planning a Green Frugal Wedding ' Invitations ' In many cases, being either frugal or environmentally responsible when it comes to weddings requires you to challenge the status quo or the established wedding traditions. Invitations are one of the easiest places to save the environment and cut the wedding budget.

krantcents @ KrantCents writes How to Run a Successful Business ' How to run a successful business. Learn what skills are necessary to run a successful business.

Corey @ 20s Finances writes Easy Ways to Save Money ' Do you have trouble saving money? If you are looking to increase your extra cash flow, whether that is to build an emergency fund or to put money into other financial vehicles, read this article1

Kevin @ Thousandaire writes How to Avoid The Underpayment Penalty ' If you want to avoid the federal income tax underpayment penalty, make sure you pay as much in taxes this year as you did last year.

Wayne @ Young Family Finance writes Managing Your Finances Takes Time ' Managing your finances takes time. As a general rule, there are very few financial mistakes that you can correct in a short period of time.

Aloysa @ My Broken Coin writes Dealing with Wants: How I failed my No-Buy Challenge ' Remember I was on a self-induced three month no-buy challenge? Here is my confession: I failed it miserably in March. People say that the first two months are the most difficult, and then the miracle happens. You get out of the habit of wanting things. Maybe for some of us it works.

FG @ Financial God writes Ron Paul: The One True Hope for Change in 2012 ' It's now 2012, and the United States will elect a new president to run the (still) most powerful country in the world. It's now been nearly four years since the eve of the ongoing global financial troubles, and I am very interested in how this election is going to play out.

101 Centavos @ 101 Centavos writes Why Study History, Indeed' ' Doesn't matter who wins or loses in this year's Presidential elections, taxes are going up. What's more, Government at all levels, city, county, state'

Jen @ Master the Art of Saving writes The Easiest Way to Improve Credit Scores ' So my husband's credit score was stagnant and his credit report was pretty much empty, even after mine began to flourish. So I did the easiest thing'

Hank @ Money Q&A writes Not Living At Home? You May Need Vacant Home Insurance ' You are at risk of violating your homeowner's insurance policy if you move out, no one is living in your home, and you do not have vacant home insurance.

Daniel @ Sweating the Big Stuff writes Why You Shouldn't Wait Til Next Year To Ask For A Raise ' Asking for a raise might be uncomfortable, but not asking could cost you a lot more than you expect!

Jason @ Work Save Live writes Understanding the Basics: 401(k), 403(b), 457, Roth IRA, and Traditional IRA ' Last week I started my series 'Understanding Retirement Planning & Investing' with Everything You Need to Know About a Roth IRA & Why to Start One.

Corey @ Steadfast Finances writes Visa Black Card Review ' Looking for an elite credit card with great perks? Look no further. The Visa Black Card is here to provide you with some of the most luxurious benefits.

Pat Huddleston @ Investor's Watchblog writes JOBS Act a Red Carpet for Fraudsters ' I guess the politics made it inevitable. But, man, have we stepped in it now.

Michelle @ Making Sense of Cents writes Mystery Shopping ' Mystery shopping is a good way to make extra income while getting free stuff. Do you mystery shop?

Miss T. @ Prairie Eco Thrifter writes Factors to Consider When Accepting a Job ' I was offered two jobs on the same day, so I made decision based not just on the money I would receive, but on the benefits and a few other factors.

Kyle @ The Penny Hoarder writes Earn $10-$20/Hour Completing Mini-Jobs Around Town for FieldAgent ' There's an app for that called the Field Agent. With the Field Agent app you basically get paid performing small tasks.

SFB @ Simple Finance Blog writes Donate or Sell? My Tax Conundrum ' Should I donate or sell our used items ' or donate them for the tax write off? Help me weigh the pros and cons.

Suba @ Broke Professionals writes Why You Should Eliminate Your Tax Refund ' Why give Uncle Sam a no-interest loan on your hard earned money? Simply changing your exemptions on your w-4 forms is all it takes to put more money in your pocket.

Jeremy @ Modest Money writes My First Childhood Exposure To Gambling ' I'm not sure when the average child gets exposed to gambling, but I personally got a fairly young start. No my parents didn't drag me to the casinos or horse racing track as a toddler. Instead I took the initiative with getting into gambling on my own.

Shaun @ Smart Family Finance writes Should Families Buy a House or Rent an Apartment: When Renting Is Better Than Buying ' While I am confident that most bloggers and everyday people are losing money by renting for lifetime, I cannot deny that renting can be the better financial decision. Today, I want to cover the circumstances where renting will save you money.

Kari @ Small Budget Big Dreams writes Buy a Home in 16 steps: Step 3-Buyer Consultation ' During the Buyer consultation you meet with your buyer's agent to describe what you're looking for in a home. Be sure to list everything you want (you can, and will, likely have to adjust your expectations later).

Ken Faulkenberry @ AAAMP Blog writes Different Types of Cash Flow for Investment Analysis ' The many different types of cash flow can be confusing. Here is a summary and description of the important types of cash flow for investment analysis.

Boomer @ Boomer & Echo writes Decoding Your Company Pension Plan ' Here are five crucial questions to ask about your company pension plan to determine how it stacks up:

Teacher Man @ My University Money writes Student Tax Return ' It's that time of the year again. The time for beer that is cheaper than the usual cheap. When pasta and 'red sauce' 5 days a week consists of budgeting. Spring time for post-secondary students is often a lean financial period.

YPFinances @ Young Professional Finances writes It Takes Less Than $5 To Make Someone Happy ' My boyfriend came to my work with an unexpected surprise! It only cost a few dollars and turned my day completely around.

SB @ Finance Product Reviews writes Foursquare Local Networking for your Money ' A Review - Can Foursquare local networking coupled with games and deals be useful for your money? Read to know more about the application

Glen Craig @ Free From Broke writes Save Money by Bundling Insurance Policies ' We all want to save on insurance. You can do this is by bundling insurance policies. See more on how bundled insurance can help you save as well as some drawbacks.

Squirrelers @ Squirrelers writes Driving vs Public Transportation ' Saving time and money is something most of us would like to do, right? The topic of driving vs public transportation brings up how we can solve one or both issues by examining the best way to commute

SB @ One Cent at a Time writes What to Carry and not to Carry in your Wallet ' Few things you must carry in wallet to satisfy essential needs and things you shouldn't carry to protect ID theft and loss with a list I carry in my wallet always.