Welcome to the thirteenth 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.
Glen Craig @ Free From Broke writes Education: Your Hedge Against Inflation ' You're wondering what your best hedge against inflation is. Maybe gold? Stocks? How about education? Yes, education can be a great hedge against inflation.
Kurt Fischer @ Money Counselor writes Income-Based Student Loan Repayment ' Budget-busting student loan debts are proving impossible to repay for growing numbers of graduates. The Income-Based Repayment program, and the prospective Pay-As-You-Earn proposal, can help many student loan debtors meet their payments, preserve their credit ratings, and hope one day actually to get out of debt!
Raj @ eMoneyLog writes How to Achieve Financial Freedom in Four Steps ' In this post I explore what 'Financial Freedom' means to various people and how one can go about to try to achieve it in a methodical manner which requires efforts but will help you achieve financial freedom.
Kyle @ The Penny Hoarder writes University Will Pay You $3,500 to Eat Only Fast Food for 3 Months ' Oh, brother' A new study at Washington University in St.
A Blinkin @ Funancials writes Convenient Banking Technology ' Banking used to be an incredible hassle. I hated going to the bank, waiting in line, making sure that your forms or deposit slip was filled out properly, being lectured by the teller if it wasn't, having to deal with specific hours'the list goes on and on.
PITR @ Passive Income To Retire writes Why Quality is Important ' Find out why quality content is important to help your site's traffic grow and how I am changing my writing strategy.
Don @ MoneySmartGuides writes The Money Conversation for Couples ' I found this article at US News. It lists six topics related to money that you should have with your significant other before getting married.
Corey @ 20s Finances writes How to Increase Net Worth ' As many of you know, several months ago, I challenged myself with several short-term financial goals. One of them, which I haven't talked about too much is to increase my net worth by 50%. For those who don't know, net worth is the difference between your assets and liabilities.
Daniel @ Sweating the Big Stuff writes Secure Your Future by Developing Multiple Streams of Income ' If you are like most people, you work hard at your day job. Maybe you used to make what you considered a good salary, but now, with the economy, your income seems to be dwindling. Perhaps you haven't gotten a raise in several years, or if you have gotten a raise, you simultaneously face an increase in health.
101 Centavos @ 101 Centavos writes Career Tips For Young Folks ' This is a series of blog posts, dormant for a while, resurrected for a while. These would be career tips #15, #16 and #17, meant for young people entering'
Jason @ Work Save Live writes Should You Buy a Car Through CarMax? ' Rust buckets, over-sized purses, methods of transportation, and a means of showing worth and status. Maybe it's needless to say, but there isn't a topic I detest more. When I hear the word 'car' all I can think about are over-priced machines that have gone from performing a function to being status symbols.
Jen @ Master the Art of Saving writes What is Manilla & Why Should You Try It? ' Manilla is a free (yes, that's right! 100 percent free) web based service to make our financial lives more organized and easier to manage.
Wayne @ Young Family Finance writes Why Hobbies Save You Money ' Staying active and finding things that you enjoy can actually save you money. Find out how to define yourself not by the things you buy.
Sustainable PF @ Sustainable Personal Finance writes Green Tip #242: Sharing Toys ' Share toys, keep your baby stimulated but save money.
Luke @ Learn Bonds writes Why Bond Laddering is a Bad Idea ' If you are investing in the bond market you have probably had Bond Laddering recommended to you as a strategy. Here is why this is a bad idea.
TRL @ The Retired Landlord writes Important Traits of a Successful Landlord ' Find out what it takes to be a successful landlord. Do you have these important traits to make a profit in real estate investing?
Linsey @ 1099 Mom writes I Want to Be a Freelance Finance Writer ' Today's 'I Want to Be' Series features Miranda Marquit who works from home full-time as a freelance finance writer for many personal finance blogs. To learn what her typical day is like and what advice she has for writers just beginning, read on.
Jeremy @ Modest Money writes Keeping Up With The Joneses In The Digital Age ' As the internet has evolved and we truly enter the digital age as a society, the biggest enemy of our personal finances has been quietly growing stronger and stronger. No it's not inflation. It's not government taxes. It's something much less obvious. It's those pesky Joneses!
PPlan @ Provident Plan writes Would Jesus Support the Buffet Tax Law? ' Find out if Jesus supports the Warren Buffet Tax law and what the Christian response to paying taxes should be.
Invest It Wisely @ Invest It Wisely writes Getting Screwed Out of Your Hard-Earned Capital: How CDs and GICs Are Rip-Offs for Long-term Investing ' Is there such a thing as a guaranteed rate of return? There seems to be a trend for people to flock to safety by buying certificates of deposit
Maria @ The Money Principle writes Politics and economy in the Eurozone part 2 ' The immediate response of the markets last week was quite muted. They assumed that with Germany in charge of the Euro and Merkel in charge of Germany, the austerity programmes will continue to the bitter end. Simpletons.
Hank @ Money Q&A writes How A Little Preparation And One Question Saved Me Over $1,000 ' I hate buying a new car, but a little preparation and one simple question he me save money buying a new car this time with a little preparation.
Matt @ Living in Financial Excellence writes What I Have Learned by Interviewing People Who Are Debt Free ' For the past six months now I have had the pleasure of being able to interview debt free individuals and couples on the Debt Free Living Podcast. So far I have released about 20 episodes and it amazes me how unique each story is regarding how they got debt free. It also is interesting to me to see what each person's 'Why' is. Some got their finances together in order to travel more, some do it to quit a job they hate and do something they love, and for others it was to stay at home with t
Ashley @ Money Talks Coaching writes The Envelope System Works: Even on a 10 Year Old ' I've talked quite a bit about my frustration with my daughter and her lack of concern when it comes to money. She wouldn't save money to save her life.
MMD @ MyMoneyDesign writes Yes, People Still Fall for Pyramid Schemes ' Do people still fall for get-rich quick schemes? This group of people I came across in OH did. While traveling for business, I stumbled upon a meeting of people at a restaurant who were being given a sales pitch for something that clearly sounded like a pyramid scheme. Here is my story.
Jeremy Waller @ Personal Finance Whiz writes Top Personal Finance Posts Of The Week ' Big Fat J.P. Morgan Losses Edition ' Last week JP Morgan Chase announced it was sitting on at least $2.3 billion in paper losses stemming from trading naked credit default swaps. These high risk derivatives are analogous to buying insurance on a house you don't own ' doesn't make a whole lot of sense.
John @ Married (with Debt) writes Give Yourself a Raise (No Boss Required) ' When my boss revealed how shitty my raise was going to be, it didn't bother me that much because I already had a plan to give myself a $1,800 per month raise.
Tushar @ Start Investing Money writes What to Do When an Investment Pays Out ' This Post was Originally published at What to Do When an Investment Pays Out on Start Investing Money
Kevin @ Thousandaire writes How to Save Money on a Date ' Save money on your dates by using daily deal sites like Groupon and Living Social to find interesting cheap dates.
YFS @ Your Finances Simplified writes 10 Common Characteristics of Millionaires You Can Follow ' Back in 2007, Forbes Magazine reported that all over the world there are a total of 946 billionaires, and according to Capegemini, a financial consultancy firm, in 2011 there are about 10 million millionaires. All of us probably have this dream of becoming millionaires ourselves, and sometimes we're left wondering how these once ordinary people manage to make it big.
Debt Guru @ Debt Free Blog writes Basic Rule to Use Credit Cards and Avoid Debt ' Find out how to use credit cards and avoid debt all together. It can be summed up in one basic rule, but it often implies much more.
Jon the Saver @ Free Money Wisdom writes Why You Should Be Debt-Free on Your Car ' There are many reasons why you should be debt free on your car. You can spend the money elsewhere instead of on a car payment.
Jeffrey @ Money Spruce writes Setting Financial Goals 101 ' The following is a guest post The most fundamental step in setting financial goals is to gain control over your daily financial affairs by setting up and sticking to a budget. Thereafter, you will need to set longer-term financial goals. At this point, you will need to build a financial safety net to ensure financial independence.
MR @ Money Reasons writes Debt Free' Now What? Real Estate ' I've been debt free for a while now! It's time to pickup debt to buy assets instead of expenses.
Daisy @ Add Vodka writes Life Lessons From My Mother ' Yesterday was Mothers Day. You all know that. I don't live near my mom, so I was sad I wasn't able to take her out for breakfast or anything like that.
krantcents @ KrantCents writes How to Finance Your Start Up ' The following is a guest post. Starting a new company is an expensive proposition. A new business owner has to pay for land, supplies and employees. Financing all of these purchases is not easy considering there is little revenue coming in.
SFB @ Simple Finance Blog writes 6 Hidden Money Wasters ' We think of many ways to save but what most people don't know is that many everyday things that they buy on a regular basis are money wasters.
Beating Broke @ Beating Broke writes Are You Rationalizing Your Way Into Debt? ' Pay special attention the next time you're looking at purchasing something. See how many times over the next month, you attempt to rationalize a purchase based on what it will cost per month on credit over what the total price will be. I think you'll be surprised just how often you use that same sales tactic on yourself.
Everything Finance @ Everything Finance Blog writes Top Four Budgeting Apps to Keep Your Finances on Track ' If you are like most people, you have a smart phone or an IPad or something similar. Why not put these savvy technological devices to work for you by using apps that will save you money.
KT @ Personal Finance Journey writes Can You Afford NOT to Save for Retirement? ' Saving for retirement can be difficult. With the recent increases in the cost of gas and groceries and other basics combined with a loss of income because of the economy (or a lack of raises over the last few years), saving for retirement can seem like a goal that is out of reach.
Eddie @ Finance Fox writes How to Access Cash in a Hurry ' Your home is equipped with smoke detectors, and your car carries a spare tire in the trunk, but are you equipped for a financial emergency?
Earth and Money @ Earth and Money writes Planning a Green Frugal Wedding ' Guests ' At most weddings, there is a fixed cost associated with every guest that attends ' food, dishes, venue, all these things are related to the number of guests that you have. So that begs the question ' do you really want to invite your dad's cousin's nephew's boyfriend who winds up getting drunk at the open bar?
Corey @ Steadfast Finances writes Facing Foreclosure? Here are Some Programs that Might Be Available for You ' Here are several programs that you can take advantage of when facing foreclosure. The possibility of foreclosure isn't without hope to evade it.
Amanda L Grossman @ Frugal Confessions writes Do You have a Future as the Woman Who Lived in Her Shoes, or the Man Who Lived with His Tools? ' Thirty-Five year old Carrie Bradshaw had a stunning financial realization during an episode of Sex and the City.
Aloysa @ My Broken Coin writes How to Lose Friends and Alienate People ' This post is presented by Beaker. If you want to see more posts written by him, make sure to check out Under Beaker's Microscope tag at the end of this post. Money is very important in our society. We are all working very hard for all the money we can get our hands on.
Suba @ Broke Professionals writes Should you buy Supplemental Unemployment Insurance ' Should you buy Supplemental Unemployment Insurance is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. Unemployment is one of life's setbacks that can seriously damage a person's financial security. It can happen to anyone, even you.
Crystal @ Budgeting in the Fun Stuff writes Our Food Fight ' Month 1 Results ' We are trying to cut back our expenses where it won't hurt much to build up some padding once we close on our new house. Here are our month one results.
Dave @ Financial Conflict Coach writes Fighting About Money? Remember The 3 P's! ' If you find yourself fighting with a spouse/partner, parent, child, family or friends about money- try using the '3 P's' to calm things down.
Miss T. @ Prairie Eco Thrifter writes How to Save Hundreds of Dollars a Year on Your Water Bill ' while most of us have access to the city water we need for drinking, flushing, and gardening, there is one easy way you can cut your water bill down quite a bit while potentially saving thousands of gallons of fresh water this season: by catching the water you need from the sky, free of charge.
Kraig @ Young, Cheap Living writes How to Achieve Balance and Do What You Care About ' How well do your values and what you care about line up with what you actually spend your time and money on? My definition of life balance here is based on if you're doing what's important to you, or other things which are throwing your balance off.
Emily @ Evolving Personal Finance writes Joint and Separate Money Series: Individualized Marriage and Money Management ' I review a paper wherin the hypothesis is that couples who have more individualized marriages will tend to have more separate money management styles. Results include which group has higher marital satisfaction ' joint, separate, or hybrid. What do you think of the authors' definition of individualized marriage?
Jeff Rose @ Good Financial Cents writes How to Manage Your Finances After College ' You've done it: On previous advice, you've gotten your college degree and been set loose into the working professional world. Now what? Here's 4 simple steps to get started.
Sean @ One Smart Dollar writes How is My Credit Limit Determined? ' Understanding how your credit line is determined can be a great way to start understanding your finances.
JB @ My University Money writes Are Banks Really In It For You? ' Learn from my mistakes and never assume the banks are in it for you. They aren't, in fact they make a killing off you so don't make it easy on them whenever they try to push a product on you.
Young @ Young And Thrifty writes RRSP vs RESP Accounts ' There are obviously numerous aspects of each person's financial situation that will come into play when looking at whether a RRSP or an RESP contribution is right for them.
Khaleef Crumbley @ Faithful With A Few writes 4 Reasons Why I Will Not File For Bankruptcy ' To file for bankruptcy is not an easy decision. Even though it has become more common, here are 4 reasons why I will never do it!
Jeff Rose @ Life Insurance by Jeff writes Term Life Insurance In Your 20's ' Do you Need it? - I started to write a post that helped 20 year-olds decide how much life insurance they needed to buy when something hit me ' I'm not 20 anymore! Here's some tips from a 20 year old that recently did buy term life insurance.
Khaleef Crumbley @ Fat Guy, Skinny Wallet writes Planning A Financial Diet ' Eat Healthy And Spend Less ' Eat healthy and spend less'something that seems impossible However, if you follow these tips you can do both!
Kim @ Money and Risk writes How to Get a Hot New IPO and Why You Did Not Get in on Facebook ' Ever wonder how you can get shares of a hot IPO ' initial stock offering? Here's the scoop.
Lance @ Money Life & More writes How I Paid for My Hobby ' Hobbies are a lot of fun, but there is one thing that prohibits many from taking part in their favorite hobby as much as they would like to. Cost. Hobbies, while fun, can be expensive. In this post I describe how I paid for my hobby.
Echo @ Boomer & Echo writes How Young Adults Can Still Thrive Financially ' It's hard to see the silver lining for today's youth, but luckily there are still plenty of opportunities for young adults to thrive financially.
Mike @ Rewards Cards Canada writes Why Cash Back Beats Travel Rewards ' A free vacation keeps many Canadians loyal to their travel rewards program, but for me, cash back is king. Here's why cash back beats travel rewards.
Glen Craig @ Free From Broke writes Ally Bank Online Savings Account Review ' Sick of barely existant interest rates and all sorts of confusing fees for your saving account? Take a look at Ally Bank and their online high yield savings account in our review.
SB @ One Cent at a Time writes How to shop at Garage Sales ' A Guide to Garage Sale Shopping ' A shoppers guide to garage sales. What to buy, what not to buy and tips for a successful treasure hunt at a garage sale is included in this post.
Mike @ Rewards Cards USA writes Best Balance Transfer Credit Cards - Paying credit card interest can hinder your efforts to become debt free. Here are some of the best balance transfer credit cards on the market:
SB @ Finance Product Reviews writes PerkStreet Platinum Visa Debit Card Review ' An honest and case based review of PerkStreet financials Platinum Visa debit card. Read to find out more.
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