Financial Carnival for Young Adults ' 9th Edition

Welcome to the ninth 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.

Kraig @ Young, Cheap Living writes 10 Personal Finance Tips for Young Adults ' As he gets another year closer to turning 30, Kraig examines what he's learned about personal finance in his twenties and shares 10 tips on personal finance that he's learned so far.

Maria @ The Money Principle writes Zen and the art of motorcar ownership: how much are our car ownership costs, really ? ' Read about the Zen car concept, perhaps it could work for you too!

Ryan @ Early Retirement Investments writes About The Baby Boomers Already Flocking to Retirement ' The Baby Boomers Are Already Flocking to Retirement! Read more to find out!

YFS @ Your Finances Simplified writes Stop paying your mortgage today!' and be a victim! ' A few days ago a friend of mine placed a very interesting link on my wall and included this message: This story made me think of your blog. Dominique, I would love to hear your opinion on this.

TRL @ The Retired Landlord writes Why Investing in Real Estate Takes Time ' Investing in real estate is a long-term approach to building income. Understanding that it takes time is important to realize now.

A Blinkin @ Funancials writes Should You Sell Your Timeshare? ' Timeshares soared in popularity over the past 15 years, but recently, as the economy has dipped; many individuals are reconsidering whether owning a timeshare is really worth it. During boom years, people thought timeshares were a great investment, similar to owning a vacation home, but without all of the other costs associated with it.

Suba @ Broke Professionals writes Give Yourself Financial Hope ' Saving for a rainy day, being frugal with your money and following your budget are all great things to do to keep your financial aspirations on track ' but they do get old.

Jeffrey @ Money Spruce writes Famous Money Movie Moments and Lessons (with Video!) ' Money movies are entertaining, but you can learn something from them, too! Here's a few of the best moments that are not only funny but also have great lessons.

Dr. Dean @ The Millionaire Nurse Blog writes 24 Stupid Things People Do With Their Money! ' Have you ever done anything stupid that cost you money? Check out my list of stupid things not to do and see how well you're doing.

MMD @ MyMoneyDesign writes What Would You Do With An Extra $1,000? ' Having just received $1,000 from my previous escrow balance, should I totally blow it or do something responsible? Let's explore the options and see all the things you could do with an extra $1,000.

Jason @ Work Save Live writes Should I Sell My Wife's Wedding Ring? ' Some say that a home is where you make it' However, reality is that we get attached to our homes and they end up being a place where memories are created and live forever. Instead of a house being a shelter (as they're intended) they become our identity.

Princess P @ Portfolio Princess writes Why Females are Better Investors ' Women are better investors because they take a calculated approach to risk and investing in the stock market. Low volatility portfolios come with patience.

Crystal @ Budgeting in the Fun Stuff writes We Found Our Dream Home!!! ' Last Thursday morning, we were preapproved for a mortgage loan despite being self employed. Then we headed out just to browse. We found our dream home.

Kevin @ Thousandaire writes What If I Don't File My Taxes On Time? ' If you can't file your taxes on time then you can file for an extension and save yourself a lot of penalties and interest.

Aloysa @ My Broken Coin writes Save Money by Shopping in Pawn Shops ' Learn how to save money by shopping in Pawn Shops

PITR @ Passive Income To Retire writes Is Passive Income only for the Rich? ' Can only the rich create passive income or is there another way (besides investing money that you already have) to create passive income.

Evan @ My Journey to Millions writes 6 Ways to Give Your Finances a Spring Cleaning This Year ' Spring cleaning your finances each year will give you a similar 'clean' feeling, as well as netting some pretty significant savings. Here are some tips for 'financial spring cleaning' you can use:

Wayne @ Young Family Finance writes The Price of Being Organized ' Find out what it cost me to buy a new desk and become more organized.

Peter @ Bible Money Matters writes Blogging Can Be a Great Side Income or Full Time Job: How to Get Started ' One of the first blogs I started reading back in 2007, and one of the ones that inspired me to start my own, was the site ChristianPF.com, written by Bob Lotich. The site was one of the very first Christian personal finance sites, and I knew that was the niche I wanted my own blog to be in. Bob was very approachable and has helped me over the years when I had questions ' and I was lucky enough to meet him last year at the Financial Blogger Conference in Chicago.

Sean @ One Smart Dollar writes Gym Memberships ' Using Money To Motivate You ' All of us need ways to motivate ourselves to get things done. One of the biggest motivators is money. Thank you for your consideration.

krantcents @ KrantCents writes The 3 L's of Success ' The 3 L's of Success is the twelfth in a series of articles to help you reach your goal.

Shaun @ Smart Family Finance writes 10 things Entrepreneurs can learn from watching Ghostbusters: Top Ten Family Finance Posts #6 ' Ghostbusters is a classic '80s comedy, but it also teaches us a lot about entrepreneurship.

Daniel @ Sweating the Big Stuff writes You're Emancipated From Paying Taxes'At Least For A Few Days ' In 2012, taxes aren't due until April 17th, two days later than usual. But do you know why?

Linsey @ 1099 Mom writes Why Bloggers, Marketers, and Coaches Shouldn't Use MailChimp for their Email Provider ' Today I got dumped. Yep, the big monkey in the sky decided that, after using them for over a year to send out my 1099 Mom email newsletters, I was in violation of their TOS. It all started after I spent over an hour crafting this month's email newsletter (full of legit freelance postings and tips for balancing work and family), and got this email instead of the newsletter:

Little House @ Little House in the Valley writes Have You Changed Banks Recently? ' The reason I haven't consolidated all of my accounts to one credit union or online account is that it just seems like a huge hassle to switch over all to one primary bank. Especially since I have a bunch of accounts that serve particular purposes.

Steve @ Money Infant writes Our Bangkok Budget ' At last the much hyped and long awaited Bangkok budget! Keep in mind that this budget is for 2 adults and a 2 year old living in what is considered one of the more expensive places to live in Bangkok.

Amanda L Grossman @ Frugal Confessions writes Guests are Coming: Does the Entertainment Book or CityPASS Offer More Savings? ' We are so excited and feel very blessed that our home was chosen for a Grossman reunion.

Earth and Money @ Earth and Money writes What Do You Need in Your Cage? ' While listening to a podcast about zoos, I was touched by a fascinating concept that can be related back to society, lifestyle, money and happiness. You see, at some level, we are all just animals in a cage.

SFB @ Simple Finance Blog writes Birth Control for the Financially Frugal ' I'm trying to figure out which birth control method is the most cost-effective. Tubal ligation? IUD? Pills? The answer isn't as simple as you'd think.

Ashley @ Money Talks Coaching writes Ask the Consumer Financial Protection Bureau ' I came across a new (new to me anyways) government site that has a ton of financial information on it. It's called the Consumer Financial Protection Bureau.

Corey @ 20s Finances writes How to Get a Job without Experience ' Are you looking to switch careers or get a new job? If you are just graduating from college and are trying to get a job in this economy it may be pretty difficult. There is a lot of competition out there and even if you had a job in college, odds are that there is someone with longer work experience.

Jon the Saver @ Free Money Wisdom writes Avoid Starbucks and Make your Own Gourmet Mocha Coffee! ' Use this awesome mocha recipe to avoid Starbucks and help you save money. it is not only tasty but fun to make, now go grab some coffee!

KT @ Personal Finance Journey writes Save Hundreds of Dollars a Year by Making These Four Drinks at Home ' We spend a lot on beverages. Take a typical Saturday ' you may grab some coffee in the morning and spend anywhere from $2 to $6, depending on the drink you buy.

101 Centavos @ 101 Centavos writes Building Raised Garden Beds, Part 1 ' Here is an article on how to build a raised garden beds!

Jeremy Waller @ Personal Finance Whiz writes 5 Reasons to Keep Your Credit Report Up To Date ' Many people think that their credit reports reflect only up-to-date, accurate information, but unfortunately many people would be wrong. About 79 percent of reports contain some type of error, with 25 percent containing errors serious enough that lenders will deny you new lines of credit.

Debt Guru @ Debt Free Blog writes Use Incentives to Pay off Debt ' Paying off debt can be a lot easier when you use incentives to motivate yourself.

Luke @ Learn Bonds writes To Bond or not to Bond, That is the Question ' Several great tips from bond market pros on how to get the most out of your bond investments in today's low yield environment.

Hank @ Money Q&A writes Benefits Of High Deductible Health Insurance Plans ' A high deductible health insurance plan is designed to provide for catastrophic coverage in case something happens to you, providing good coverage for a decent price.

Miss T. @ Prairie Eco Thrifter writes 6 Places to Find Inexpensive Organic Cotton Clothing ' Growing cotton is a burden on our planet and people, and that's why we should be buying organic cotton clothing whenever possible. The problem, however, is that a lot of clothing made from organic cotton is very expensive and far out of reach for the majority of shoppers.

Corey @ Steadfast Finances writes Common but Avoidable IRA Tax Mistakes ' Learn more about common IRA tax mistakes. Find out if you are making avoidable mistakes.

Jason @ Live Real, Now writes Five Signs You Don't Need That ' Everybody occasionally buys things they don't need, from DVDs to luxury cars. There are signs that what you're buy may not be an actual necessity. Here are five signs you should put that back:

Eddie @ Finance Fox writes Tools to Boost Small Business Growth ' There are many tools available to help small business owners grow their businesses, but like many newly formed business money becomes the biggest constraint.

Matt @ Living in Financial Excellence writes Budgeting for Beginners: How to Get Started ' Your first budget can be very intimidating. If you've never attempted one before, it's often overwhelming just figuring out where to start. But it doesn't have to be that way. The budgeting process is actually pretty simple in theory. The good news is, it's simple in practice too.

Don @ MoneySmartGuides writes Saving Money By Negotiating Health Care Costs ' My last post was about how the country could save money if everyone was more conscious of medical costs and limited their use for times when they really needed a doctor.

The Planner @ Provident Plan writes What is Rich? What does it Mean? ' Defining what is rich and/or wealth alters our understanding of ourselves and our mission in life. Find out why.

101 Centavos @ 101 Centavos writes Building Raised Garden Beds, Part 1 ' Here is an article on how to build a raised garden beds!

Sustainable PF @ Sustainable Personal Finance writes Public Service Compensation ' The Next Bubble? ' Is public service compensation the next bundle? Opinions will vary.

Jen @ Master the Art of Saving writes Having Only One Car Saves Us Money-Even Though it Sucks ' It's been over two years now since my husband's car broke down for good. It was a sad day, but sometimes things have an upside. I have realized that there are other ways that having only one car saves us money, aside from the obvious ones.

Daisy @ Add Vodka writes Start Off On The Right Foot: Tips for Interns (Or Newbies in General) ' How to do well at an internship and impress your boss

FG @ Financial God writes Why Are Environmentalists Against North American Oil & Gas? ' I don't understand why environmentalists are supporting regimes that are well-known for their corruption and human-rights abuses, like Iran or Venezuela.

John @ Married (with Debt) writes Debt Payoff Calculator ' How to Use One ' A debt payoff calculator takes your debts owed and interest rates and tells you how long it will take to pay them off. An important tool.

MR @ Money Reasons writes Are You Trying to Become Financially Independent? ' I admit it, I wasted time on wasteful activities, but now I want to be rich and I'm changing my direction. Now I have a plan, do you?

Kyle @ The Penny Hoarder writes It's Raining Cash! We're Giving Away $550 bucks'. ' Welcome to the $550 It's Raining Cash Giveaway hosted by Giveaway Promote and The Penny Hoarder.

SB @ One Cent at a Time writes Basics of Insurance: Why we Need Insurance? ' What is insurance? Insurance is all about playing defense, where as an investment is an offense. You protect yourself and your asset by having insurance and investments take care of future needs.

Jeremy @ Modest Money writes Establishing Spending Priorities - Depending on your financial situation, you may need to make some sacrifices. At the same time, you don't want to let your budgeting prevent you from enjoying the things you love. To stay happy you need to establish spending priorities and spend a bit where it makes you happy.

SB @ Finance Product Reviews writes American Express Serve Platform Review ' Let it Serve You ' American Express Serve is a new generation payment platform for your peer-to-peer money transfer needs. Will serve be able to edge past Google wallet and PayPal? What are the features for Serve platform?

Emily @ Evolving Personal Finance writes Mini-Vacation Financials: Smoky Mountain Trip for a Wedding ' I share our estimated and actual costs for a recent weekend trip as well as how we had a ton of fun without breaking the bank!

Penny Thots @ Penny Thots writes Five Steps to Making a Great Impression in the Office ' By making a great impression in the office, you are more likely to be considered for a promotion or pay rise. Often performance is very difficult to measure and ends up being judged on impressions. By following these simple steps, you can stay ahead of the game ' or at least ahead of everyone else!

Van Beek @ Stock Trend Investing writes Investing in Gold Stock Vs. Bullion ' There are multiple ways to invest in gold. Namely, you may choose whether to invest in gold bullion, or gold stocks, and each has its own benefits and strategies.

Robert @ My Multiple Incomes writes How to Invest to Generate a Passive Income ' Generating a passive income is hard to do, but there are many ways to do it. I will cover the most common and basic ones here. It is important to note that most income is not truly passive in the sense that no work was required. However, in my examples below, you will see how the income is now passive since the work was done prior to the income being made.

Echo @ Boomer & Echo writes 10 Fees That Are Worth The Money ' Some fees just can't be avoided, but that doesn't mean every fee is designed to rip you off. You can feel good about paying fees when they provide enough benefit to justify the cost. Here are 10 fees that are worth the money:

Glen Craig @ Free From Broke writes What Would You Do with a Cash Windfall? ' Who wouldn't love to have a cash windfall come their way? But what would you do with a cash windfall? See three options you can take with the money.