Personal finance bloggers are a group of self-claimed experts giving advises ranging from saving money to generating extra income encompassing weekly menu plans and coupons offers. Personal finance bloggers belong to a tribe where spending money on non-essential things is considered taboo.
Some blogger may even suggest putting an end to commuting and start working from home, as if all the companies are headed by the blogger. Some PF bloggers even write about increasing productivity while at work and using employer provided resources.
I sometimes feel that the personal finance bloggers would die with multi-million dollar in bank as spending money is considered bad in general by us. But, they are not fools, they will make will for the heirs. This is actually good for businesses as more money in banks means more affordable loans to businesses to flourish.
The bright side of PF blogging is-articles written by this blogger community go out to help thousand of people in financial crisis. There are stories of people getting out of debt following blogs. Everyday millions of readers get inspiration to change their financial life reading personal finance blog posts.
A carnival of personal finance is a parade of personal finance related articles. We will present articles one category after another.
When you get bored with reading saving money articles and start thinking about saving time by not reading anymore, there will be articles to earn extra money from side hustle. And when you possibly start planning to sell your hair off to earn extra money, a meal plan with mouth-watering food picture would cross your eyes. When you get overwhelmed with food, we will teach you a trick or two on ‘Money management’. We’ll go on till you drop and don’t forget that we care for your career too, so don’t skip career related articles.
You can check-out any time you like, but you can never leave!
Let the parade begin!
I have decided to move these 5 articles in the front of the parade because I liked them.
Mike from The Financial Blogger presents Do You Need Money To Make Money?, and says, “Do you need money to get started?” This post is not about a list of To-Do items, this is narration of a bloggers life, which surely inspire and ignite your entrepreneurial spirit.
Control Your Cash from Control Your Cash presents Painless Change, More Money, and says, “You don’t have to scrimp, or skimp, to build wealth. You just need to pay attention and not be dumb. “ I have become a fan of CYC blog. Mainly because the language mastery that I always find lacking in me is found in abundance here. A simple post to describe monetary pitfalls of some of the our habits can’t be told any better way than they did it.
FMF from Free Money Finance presents “Do What You Love” Is Bad Advice, and says, “We all get told at some point, “Do what you love and the money will follow,” and it’s just plain bad advice. The number of people who make a lot of money doing what they love is so insignificantly small that it’s an unrealistic and useless thing to model”. This is not written by FMF, the blogger, this was actually reprinted at FMF. We write what we believe in, and I believe in doing things I love to get ahead. But, this article touches the practical aspect of life, you will most likely be doing something you don’t love, so it’s important to devise ways of doing not-so-loved work in a manner we love, which I do not disagree with.
Donna Freedman from Surviving and Thriving presents Don’t throw it out until you’ve smelled it., and says, “My three siblings and I ate whatever was put in front of us – and quickly, too, because if you cleaned your plate you had a shot at getting some of the last little bit of potatoes left in the bowl. Would we have dreamed of saying, “Eeewww, that meat loaf is three days old – I won’t eat it”? Oh, hell, no. (Not that meat loaf would last for three days with four kids around.) Not that I want you to use expired food items. But, that she didn’t die even after eating chicken broth in May 2012 which was a sell-by-2002 item sure makes her point stronger. Very interesting and typical personal finance post. When I mentioned SMB about this article, she called me ‘insane‘!
Emily from PT Money Personal Finance presents Financial Advice that No Longer Rings True, and says, “Everyone has financial advice to offer, but it’s important to weigh what people have “always said” against the current economic situation. This post offers 3 tips that aren’t good advice anymore.” I had to give it to PT, for going away from stereotype PF article. Calling out age-old practices wrong takes courage and confidence. Although I have always been a fan of education and do not agree to his related point in this article, I still feel practices and beliefs should be changed with time as per economic situation.
Now rest of articles which went through stringent elimination process and stood out loud.
Jason Price from One Money Design presents What are Your Biggest Obstacles to Saving Money?, and says, “Our biggest obstacle to saving money is spending money on all those things we think we need, but we avoid this by having a budget and making saving a high priority”.
Justin from Money Saving Ethics presents Why You Need to Invest in a 401K, and says, “The importance of investing at a 401K now to save for retirement later.”
Elizabeth from Women’s Money Week presents Unsubscribe from 1 (or more) Retail Email Lists to Save Money and Time, and says, “Thanks for hosting!”
ANDY from www.savingtoinvest.com presents Combining Insurance Policies For Discounts and Convenience, and says, “Often, people are surprised to find that these discounts are right under their noses, and that they could have been getting this discount all along if they had just asked.”
Mike from Do Not Wait presents Biggest Mistakes That We Make When Saving For Retirement, and says, “Are you ready for retirement”
Peter from Bible Money Matters presents Can You Afford Your Lifestyle?, and says, “We thought we could afford vacations and a weekly outing to our favorite sushi restaurant at the tune of $50 a visit. After all, we were able to pay in cash. In retrospect, we were misguided. We couldn’t afford our lifestyle. Here is why:”
Clint from Accumulating Money presents Auto Insurance For Young Drivers, and says, “One of the things teenagers look forward to most is having their own driver’s license. Of course, they quickly learn that this doesn’t come without a high price as they find out how much auto insurance is going to cost. Learn why it’s high, how it can be lowered, and what discounts are available.”
Miss T. from Prairie Eco Thrifter presents Experience Based Graduation Gifts, and says, “While money, electronics, a special book or clothing are all welcomed, an experienced based gift might provide special insight into their future for your young graduates. Here are some experienced based graduation gifts by which your student may benefit.”
Eric from Narrow Bridge Finance presents Why I Hate Carrying Cash, and says, “A dollar, a greenback, a buck. There have been many nicknames for the US Dollar. Americans are proud of their currency as a safe-haven currency during economic hardship. We love our money. That is just part of our culture. However, I am kind of tired of it. I hate carrying cash.”
Emma-Lou from TotallyMoney presents Tried-and-tested ways to beat the recession, and says, “Helpful tips to survive the recession”
Echo from Boomer & Echo presents Home Equity Line Of Credit: Friend or Foe?, and says, “A home equity line of credit has its advantages. However, the easy access to credit and flexible repayment terms can make HELOC’s very dangerous.”
Mike from Experiglot presents How You Can Make More Money With What You Have Right Now, and says, “How to make money with your current skills.”
Russ Thornton from Wealthcare For Women presents My Broken Wife And Your Financial Plan, and says, “There are some unexpected financial lessons from my wife’s recent horseback riding adventures about goals, priorities and the risks you’re willing to take to achieve what’s important to you”
Sean Smarty from Grow Money presents What Banks Are Offering Some of the Best Savings Accounts in 2012?
TTMK from Tie the Money Knot presents Are Separate Finances for Spouses a Fallacy?, and says, “There are different ways couples handle finances, from totally joint to totally separate. However, are ‘separate’ finances really as they seem, or are they truly joint regardless of appearances? This post discusses whether or not joint finances are a fallacy.”
Odysseas from Wallet Hub presents Get Screwed During Foreclosure? Time is Running Out to Get Even, and says, “You bought your house. You lost your house. But, was the foreclosure valid? The Fed is requiring reviews, but time is running out if you’re seeking recourse!”
Ray from Squirrelers presents Underwater Mortgages and the Current Real Estate Market: Buying Opportunity or Not?, and says, “A significant percentage of homeowners are underwater on their mortgages, while interest rates remain low. Is this a buying opportunity, or a still weakening market?”
Dan Meyers from Your Life Their Life presents How much do you spend on housing?, and says, “Do you know how much you spend monthly on housing? The average American spends $1,408, find out where it all goes.”
Nicole from Nicole and Maggie: Grumpy Rumblings of the Half Tenured presents June Mortgage Update: The long unpaid summer, and says, “Nicole and Maggie discuss getting paid on a 9 month contract (even though they technically work 12 months). Their readers chime in with how they deal with not being on 12 month contracts.”
Michael Kitces from Nerd’s Eye View presents The Problem With Essential-Vs-Discretionary Retirement Strategies, and says, “A popular approach for budgeting retirement goals is to separate retirement spending into “essential” versus “discretionary” expenses – not unlike “needs” versus “wants” for accumulators – with the idea of using guarantees to secure the essential expenses, and less certain growth assets with some risk to fund the discretionary expenses. Yet in reality, even discretionary spending still constitutes an important part of a retiree’s overall lifestyle – the loss of which could be very psychologically damaging. Does that mean the distinction between essential versus discretionary retirement expenses isn’t necessarily helpful after all?”
Jefferson from See Debt Run presents Should You Buy a New or Used Car? Answer: Neither!, and says, “We examine the pros and cons of buying a new car versus buying used. We examine costs of ownership, car warranties, required maintenance, deprecation, and more.”
Justin from The Family Finances presents Tips For The College Graduate, and says, “Congrats to all this year’s group of college graduates. Here are some tips and strategies for making the adjustment from college to the world of the working.”
Squeezer from Personal Finance Success presents How to recycle or dispose of old objects, and says, “I explain how to properly dispose or recycle items.”
Abigail Perry from I Pick Up Pennies presents The $0 makeover, and says, “Big changes — without spending a cent.”
Mr. Money from Smart on Money presents Traveling This Summer? Don’t Forget Your Credit Card!, and says, “When it comes to the debit card vs. credit card vs. cash debate, there often isn’t a clear winner. We all have our preferences. However, for maximum security when you travel, it’s often a good idea to bring your credit card along. (Yes, debit cards claim to have the same protections, but some issuers have different time limits that need to be met in order to reduce your liability.)”
John from Card Hub presents Study: Chip-and-PIN is Broken, and says, “Europe has embraced it. We hear about the probability of the U.S. fully adopting it. So, what aren’t they telling us about Chip-and-Pin technology? Don’t be fooled that EMV is “fraud proof.”"
Mike from Rewards Cards USA presents Best Cash Back Credit Cards, and says, “If you are looking for some solid choices when it comes to cash back credit cards, here are a few of the best options for getting money back:”
Mike from Rewards Cards Canada presents Why Cash Back Beats Travel Rewards, and says, “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”
CCS from Credit Card Smarts presents Secured Credit Cards vs. Unsecured Credit Cards, and says, “There are two broad types of credit cards you can apply for. They are secured cards and unsecured cards. See which is the card that can best help you.”
SB from Finance Product Reviews Southwest Rapid Rewards® Plus credit card and says “When we studied the card closely, we found there’s not much this card has to offer other than the introductory bonus point which converts to $400 towards travel voucher”.
Victoria from Lend Not Borrow presents What a Difference your Car Down Payment Makes!, and says, “A look at down payments on auto loans and asking how much should you really put down?”
Roger Wohlner from Chicago Financial Planner presents The Facebook IPO – I Don’t Get It, and says, “I get the fascination and interest in this IPO. I also get the anger and frustration of small investors in the wake of all this. What I don’t get is why any small investor would want to buy this or any IPO.
D4L from Dividend Growth Stocks presents Wealth is a Journey, Dividend Stocks Can Take You There, and says, “Fad diets and fad investing plans rarely work. They are primarily designed to separate you from your money and make the seller wealthy. Real wealth is built with sweat equity and a sound financial plan. For most people fortunate enough to be born in the U.S., or any other industrialized country, they have access to the two main ingredients to achieve financial success…”
Cash Flow Mantra from Cash Flow Mantra presents Calculating ROI When Selling Covered Calls, and says, “There has been a lot of option activity in my retirement accounts recently so I wanted to take some time and explain how to calculate the return on investment (ROI) using a real example of a trade that I did yesterday.”
Laura Edgar from NerdWallet presents NerdWallet’s Top 9 Nonprofit Microfinance Organizations, and says, “Rather than simply gifting charitable donations, microfinance organizations allow individuals to make investments in economic opportunity. Check out a few of our favorites, and feel free to make a donation or two in the process!”
Alex Garcia from Earnings Yield presents How to Calculate Free Cash Flow Yield, and says, “A guide on how to calculate free cash flow yield.”
Colin Williams from humble savers presents Five Ways To Invest – Investing In The Stock Market, and says, “Do you want to invest into the stock market? Here are five practical options along with the advantages and disadvantages of each.”
Ricky from Qwoter presents Am I Too Old To Invest?, and says, “Do you think you’re too old to start investing? Although there is no specific age limit for investing, there are certain things that you should consider when it comes to investing, especially if you are nearing retirement, or after you’ve already retired.”
Justin from Money Mishaps presents What the Facebook IPO Teaches Us About Personal Finance, and says, “The Facebook IPO has some lessons learned about personal finance.”
Jeff Rose from Good Financial Cents presents Opening a No Fee Roth IRA with Scottrade, and says, “Hoping to inspire people to start saving. A tutorial on how to open up a Roth IRA account using Scottrade. ”
Div Guy from The Dividend Guy Blog presents Canadian Aristocrats; They Have it Too, and says, “Are you into Canadian dividend stocks?”
Pierre from Intelligent Speculator presents Teaching Your Kids To Become Great Investors, and says, “How to teach your kids about investing money.”
Dividend Growth Investor from Dividend Growth Investor presents How to generate $1000/month in dividends, and says, “The goal of every dividend growth investor is to create a portfolio which throws off a sufficient stream of income that pays their expenses. As soon as the amount of dividends exceeds the monthly expenses, the investor has reached financial independence. ”
Karl Marrion from WiseStockBuyer presents Best Ways to invest in stocks, and says, “Some helpful tips to help you avoid making many of the common mistakes that will cost you money.”
Jeff Rose from Life Insurance By Jeff presents The Importance of Comparing Life Insurance Policies, and says, “If you decide that you know you need life insurance, whether that be term life, whole life, equity index, variable life, all the different types of life insurance policies that exist; it’s important to compare so you understand the benefits, pros and cons of which policy is going to be best for you.”
Young from Young And Thrifty presents Tax Deduction For Political Contributions, and says, “Don’t you just love paying for attack ads? I know I do! We’ll the good news is that there is bi-partisan support for one thing in Canada these days, and that is political donations. I always knew that there was a tax deduction for political contributions available in Canada, but I wasn’t sure just what incentives it included. The reality was very interesting to me when I looked it up.”
J.P. from Novel Investor presents An Early Look At The Possible 2013 Tax Rates Increase, and says, “As it stands, there are several tax cuts set to expire at the end of this year. All of which will impact the economy, your income and how you invest.”
Roshawn Watson from Watson Inc presents Authenticity In The Workplace, and says, “Knowing yourself can be tricky. However, within your authenticity lies your competitive advantage in the marketplace. ”
Teacher Man from My University Money presents How To Get a Dream Intern Job, and says, “Many of us are guilty of watching reality TV shows and ending up momentarily day dreaming about what it would be like to live the lives of the rich and famous…. I get that experience this summer”
Green Panda from Green Panda Treehouse presents Amazing Jobs That Don’t Require a College Degree, and says, “Great jobs that don’t need a college education.”
Martin from Studenomics presents Can You REALLY Start a Business With $100?, and says, “My exclusive interview with the author of The $100 Startup.”
Martin from Start Freelancing Now presents Freelancing Hall of Fame, and says, “A list of freelancers doing cool things and getting paid for it.”
Bryan from Pinch that Penny! presents Some Ethics of Spending, and says, “This post asks some questions on how we spend our money.”
Don from My Dollar Plan presents How To Recover From Identity Theft, and says, “If you fall victim to identity theft, how do you recover and what steps should you take?
Glen Craig from Free From Broke presents Should I Buy Travel Insurance for My Next Trip – Pros and Cons to Consider, and says, “You get ready to pay for your trip and then you’re asked “would you like to purchase travel insurance?” Should you? Here are some pros and cons to consider.”
Eric J. Nisall from DollarVersity presents Is The Apple Siri Lawsuit Extortion Or A Valid Complaint?, and says, “Television commercials products in the best possible light. Sure, many times that’s a bit unrealistic, but is it any reason to sue the manufacturer?”
Thanks for visiting and if you are a blogger, do not forget to submit for next week’s edition here.
|SB is a husband and working as a software professional for a Fortune 100 corporation in Florida. Thanks for visiting the blog.
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