Welcome to the latest edition of the Carnival of Financial Planning B. Today’s carnival includes some of the best posts on the web from topics like budgeting, saving for retirement and credit. If you have the time this weekend, make sure to check out some of the selected posts. If you’re a blogger and would like to submit to future editions of this carnival, you can do so here. If your post was included in the carnival, please remember to link back to the carnival host within the next few weeks. Have a great rest of the weekend everyone!
BUDGETING AND ECONOMICS
Jacob @ AllPersonalFinance writes How to Solve a Cash Flow Crisis and Prevent Your Business from Flat Lining – Cash is the life blood of any business and once the cash flow dries up, not even CPR will be able to bring it back to life. It has been estimated that around 90 percent of small business fail because of cash flow problems and even profitable companies can end up filing for bankruptcy… Read more on my take on how to solve this common snafu.
Kyle @ The Penny Hoarder writes Advice for Small Business – Sort out your Business Energy – Most small and medium businesses are failing to manage their business energy costs. Business energy includes gas and electricity. The business energy market is not the same as the consumer market – prices are higher for businesses and contracts longer.
Connie @ Savvy With Saving writes How To Save At Starbucks – If I have one vice when it comes to money, it is coffee. While I try to be frugal, I still need my morning cup (or two) of coffee everyday.
Harry Campbell @ Your PF Pro writes Is Going Green Worth It? – I’m not sure what’s so attractive about farmer’s markets but I love going just to check out all the cool vendors, sample food and of course I usually end up buying a ton of stuff. Farmer’s markets in my area have evolved from selling just groceries to all different types of products like cheeses, butter, nuts and even restaurants are getting in on the action now.
Mr.CBB @ canadianbudgetbinder writes Thanksgiving: Being Thankful On A Budget – Thanksgiving doesn’t have to break the budget if you plan in advance. There are ways to save money in your budget so you can have a lovely meal and celebrate with your family and friends on a day we should all give thanks for what we appreciate in life
Bob @ Dwindling Debt writes Is there a Money Wasting Hole in your Budget? – The possibility that you have flaws or holes in your budget is actually quite high and, sort of like a leak under your sink that you do not know is there until you start smelling the stink of rotting plywood, you probably haven’t even noticed them.
JC @ Passive-Income-Pursuit writes Income Update – September 2013 – Budgeting is such a vital part of being successful with personal finance, especially if you have a habit of overspending. I managed to save over 84% of my after tax income this past month. How did you do?
Robert @ Kids Ain’t Cheap writes Raising a Saver – Growing up, I didn’t have much in terms of financial role models. My mom used to say blanket statements like ”debt is bad” and ”always pay your credit card balance in full” but she never explained details about money. Details about how to manage my money, how to allocate savings or even encouraging me to save.
Claire Murdough @ ReadyForZero Blog writes Following a Financial Plan While Living Paycheck to Paycheck – Living paycheck to paycheck can make it feel impossible to strive for anything more than just meeting your basic needs. this post talks about how to turn a paycheck to paycheck budget into one that allows you to also work towards higher financial goals.
CAREER AND INCOME
Lauren @ L Bee and the Money Tree writes Budgeting an Irregular Income – How We Make It Work – Budgeting an irregular income doesn’t have to be as complicated as it seems. Here are some tips for keeping it easy for you and your family.
Bargain Babe @ BargainBabe.com writes Is Living at Home After College Better Than Paying Rent? – Is Living at Home After College Better Than Paying Rent? offers tips on saving money every day.
Mike @ Personal Finance Journey writes The Financial Benefits of Sharing a House – How sharing a house or apartment can benefit you financially and save money for bills rates and repayments.
Miss T. @ Prairie Eco Thrifter writes Alternatives to College – An associates degree can be the key to a good life, one with a job you love that pays you enough.
Robert @ Beat The 9 to 5 writes My Monthly Income Stream Report – September 2013 – September was an incredibly busy month – but it was fun! While putting together this month’s income report, I was shocked at how much I had accomplished. And remember, this is with a 6 week old baby in the house!
DEBT AND CREDIT
Brent @ PersonalFinance-Tips writes Smart Spending: Four Ways to Stay out of Debt – Americans are in more debt than ever these days. While some of it is unavoidable due to the recent recession, some of it could have been avoided with smart spending.
Corey @ Steadfast Finances writes Money Doesn’t Grow On Trees: What to Do When You Need More Cash – It’s a horrible feeling when you’re short on cash but still have the household bills to pay. You’re probably starting to worry about how you are going to afford them, as skipping payments could cause irreparable damage to your credit rating. Unfortunately, money doesn’t grow on trees – but there are a few things you can do to get more cash and make it through your monthly bill cycle.
Grayson @ Debt Roundup writes When Opportunity Knocks – I had an opportunity to score a new to me Jeep Wrangler. I thought about it and ended up getting a used auto loan. There are some reasons why and I lay them out here.
Matt @ Living in Financial Excellence writes I Spent A Lot of Money and It’s Okay – Then, after six years of uber-frugality, we went on a spending binge. In the past 12 months, we have purchased new living room furniture, a new LCD TV, a new stainless steel french door refrigerator, an iPad, an SLR camera, a snow blower, and most recently a new (used) vehicle. Holy cow! That’s one heck of a spending binge!
KK @ Student Debt Survivor writes Drugs & Student Loan Debt – Drugs and Student Loans-what are the similarites and how do we stop the epidemic?
Jon Haver @ Pay My Student Loans writes How to pick a college to minimize your debt burden – When it comes to choosing a university, we all want to make the best decision in regarding our bottom dollar. The best thing about attending school in this day and age is the large variety of options that are available. Our topic today is finding ways to pick colleges that help minimize your debt burden.
INVESTING AND SAVING
John S @ Frugal Rules writes OptionsXpress Review: An Online Brokerage Worth Looking At - Investing in the stock market is vital to building wealth and with the variety of options available of where to invest it can be confusing. Choosing a good brokerage that has good offering and low fees can be a great way to help grow your retirement portfolio and get your investing on the right foot.
SFB @ Simple Finance Blog writes How to Get Ready (Financially) For a Baby – Now that you got the good news and are eagerly awaiting the arrival of your bundle of joy, you will soon realize that the nine month long period is never enough to be fully ready for a baby.
Ryan @ Cash Money Life writes What Happens if the Government Shuts Down? – What happens if the government shuts down due to the current debt ceiling crisis? The government must pass a budget and spending bill by September 30th.
Tushar @ Finance TUBE writes 4 Financial Steps To Take As You Prepare For Baby – So, you have decided that you want to have a baby. There is nothing more exiting in seeing your new baby born first time however before you get ahead of yourself taking care of some of the financial matters before you conceive can make the entire pregnancy and the months after go more smoothing.
Daisy @ Suburban Finance writes Buying Your First Home – Home buying advice for buyers to follow for a successful purchase of a home.
Hank @ Money Q&A writes 7 Steps For Financial Success To Build A Solid Future – Achieving financial success is a great part of the American dream, but it’s not easy to do if you aren’t focused on the goal. Real financial security doesn’t come about by accident. These careful steps for financial success will help you build a solid financial future.
Eva Baker @ TeensGotCents writes Ted Talks and Ignite – Influence Your Community – Spark an idea – but make it quick! Ignite is a shorter version of the TED talk and is a great way to share ideas and influence your community!
Ted Jenkin @ Your Smart Money Moves writes Should I Pay Off The Mortgage? – One of the more difficult questions that I get from both younger and older people alike is whether or not it is a good idea to pay off their mortgage.
Cat Alford @ Budget Blonde writes The Government Shutdown and The Extreme Importantance of Emergency Funds – If you’ve been reading my blog for a few years, you might know that I was a United States park ranger before I moved to Grenada. I was an interpretive ranger, which meant that I worked at numerous sites around Richmond, Virginia creating history programs and giving battlefield tours. It was really awesome.
Don @ MoneySmartGuides writes Saving Money and Saving the Environment – Regardless of whether you feel that the global warming phenomenon is real or made up, you cannot argue that we throw away and waste a lot of stuff.
IMB @ Investing Money writes Investing for Q4 2013 – Unsure what your next move is in investing? It’s always safe to look at history. Read here for information.
Pauline @ Reach Financial Independence writes The case for earning more – On the earn more, spend less equation, I strongly stand on the earn more side, because spending less is finite.
Lisa E. @ Lisa Vs. The Loans writes The Future You – Are you making life easier or more difficult for Future You? What things do you need to sacrifice in order for Future You to be content?
Anton Ivanov @ Dreams Cash True writes The Best Finance Books of All Time – This list of the best finance books is a great place to start learning more about personal finance and investing. There is so much to learn from these 10 awesome books!
Marissa @ Finance Triggers writes Saving Money on Gluten Free Products – Gluten is wreaking havoc on diets these days. Most people think that this is a new trendy diet, and while it is not really a new ailment, but one that has been plaguing people for years.
Robert @ Cult Of Money writes 5 Things You Don’t Know About Your Home or Renters Insurance Policy – As an insurance agent I have learned so many things about home and auto insurance over the past year. Things that I had no idea about before going into the industry. While you may think you’re adequately covered and understand your policy, the truth is you probably don’t. Here are 5 things you don’t know about your homeowners or renters coverage.
RISK MANAGEMENT AND INSURANCE
Emily @ Evolving Personal Finance writes The 3 to 6 Month Emergency Fund – The 3 to 6 Month Emergency Fund
REAL ESTATE AND PROPERTY
Cindy @ MidLife Finance writes Bathroom Renovations: The Good, the Bad and the Quality – Bathroom Renovations: The Good, the Bad and the Quality. Focus on quality for the best return on investment.
Debt Guru @ Debt Free Blog writes Mortgage Hunters: How to Find an Affordable Mortgage – Are you looking for ways to secure an affordable mortgage? It may seem daunting, but it is actually quite attainable, so long as you know where to start.
Michelle @ Diversified Finances writes Renting Out A Spare Room For Money – We have had 3 total roommates since we bought our house 4 years ago. The first two didn’t end up working out (we were helping out people who needed a place to live), and the third is my sister who has worked out very well. We’ve never had more than one roommate at one time also (and the second roommate only lasted a couple of days anyways).
RETIREMENT AND TAXATION
Roger the Amateur Financier @ The Amateur Financier writes 6 Investment Strategies to Generate Retirement Income – A guide to methods to generate retirement income with the money that you save during your life, covering things like regular withdrawals, interest, and annuities.
Corey @ 20s Finances writes Why You Should NOT Calculate Retirement Income off based on Income – When calculating how much you need in retirement, you should not use your current income. Find out what you should use to be prepared.
Steve @ 2009 to 2013 Tax writes Surviving An IRS Audit – An IRS tax audit is requested when the tax filer submits tax information that doesn’t match with that submitted by employers, brokerage firms, banks and other institutions.
Photo courtesy of: Tax Credits