Lifestyle Carnival: October 6th

Welcome to the October 6th edition of the Lifestyle Carnival. Enjoy!



Mrs. Accountability @ Out of Debt Again writes Budgeting in a Move – After recently helping a family member move, I realized just how costly some moving products are.

Maria @ The Money Principle writes Frugality or folly: home baking – Is home baking frugality or folly? I say that naking your own bread makes you frugal artist; what do you think?

Alexis @ FITnancials writes I’m Moving To Chicago in 2014 – My boyfriend and I are so excited to be moving to Chicago! We talk about it almost everyday, and the thought continues to excite us.

Michelle @ Making Sense of Cents writes How I Plan on Getting $2,500 in Airfare to Las Vegas for CHEAP – Recently, I mentioned that I am currently planning the airfare part of my bachelorette party. They didn’t ask me to, but I want this to be a part of their gift from me.

Kim @ Eyes on the Dollar writes Pros and Cons of Living in a Ski Resort Town – If you’ve ever wanted to live in a ski resort town, here are some good and bad things about living in a tourist driven economy.

Lance @ Money Life and More writes How To Use Credit Cards For Free Vacations – Today I’m stoked because I’ve just been approved for my next sign up bonus credit card.The most exciting part is we’re going to use this card to go on our next Carnival cruise for free! I bet you’re wondering how you can get in on this sweet deal, how it works.

Pauline @ Reach Financial Independence writes I grossly overestimated myself – Here are a few occasions where I grossly overestimated myself and how to deal with failure.

Harry Campbell @ The Four Hour Work Day writes “Unpaid Vacation vs. Regular Vacation “ – One of the perks of having a day job is getting paid when you go on vacation. Most companies start employees off by giving them 2 weeks of vacation plus holidays but that never seems to be enough. A lot of employers(especially in my field: engineering) are actually starting to give an extra week around Christmas time to New Years since not much work gets done during that time anyways. So that’s about 3-4 weeks of combined vacation and holidays for the average worker.



Alice @ OnBetterTerms writes Tips for Saving Money While Shopping Online – Online shopping is really cool. You get to compare prices between multiple sites that offer the same product, and so many have free shipping! Learn more about other tips that can help you save.



Alexandra @ Real Simple Finances writes My Low-Cost Health Plan – It’s hard enough to make time to eat right and exercise; what about when one is trying to be frugal at the same time? From rethinking your pantry staples to using what you already have for exercise, I encourage you to make good health affordable and easy.

Ray @ Squirrelers writes The Big Orange Money Machine: Pumpkin Products are Everywhere! – Many things can be monetized, and one of the latest crazes is pumpkin-related products. In this case, it may not be such a bad thing!

Alice @ Drop the Cookies! writes Stop sabotaging your weight loss by waiting for a fresh start! – Whether your fresh start is beginning on a Monday, the 1st of the month or the new year—it doesn’t matter. The main point is that you are waiting, not acting right now.

Daisy @ Suburban Finance writes Getting Fit Without Spending a Fortune – Getting in shape without a gym membership is easy. Save money and slim down with some of our tips.



John @ FRUGAL RULES writes 6 Flea Market Shopping Tips That Will Help You Save Big – Going shopping at a flea market can be great entertainment as well as a way to save money on certain items. If you’re creative, you can be frugal and save some money on items you may need for your home.



Michelle @ Diversified Finances writes Should I Leave my Job? – You should sit down and think about what is bothering you with your job. Why do you dread it so much? Is it only because you don’t want to work and you wish you were a millionaire? In this case, then this doesn’t seem like a good enough reason to leave 😛

Adam @ Money Bulldog writes The Financial Benefits of Volunteer Work – Get yourself familiar with the financial gains that a lot of people wouldn’t expect from volunteer work.

Jen @ Master the Art of Saving writes 3 Ways To Save Less For Retirement – Nobody likes the idea of putting away lots of money that they won’t see for possibly many years. So what can you do to still have a sufficient amount saved for retirement, but save less money at the same time?

Carrie Smith @ ReadyForZero Blog writes The 4 Most Dangerous Things About Credit Cards (And How to Protect Yourself) – Credit card debt is tricky beast that poses specific dangers. This post looks at the four most dangerous things about credit cards and how to fight back.

Simon @ Modest Money writes Car Finance: A Guide – Borrowing money to pay for a new or used car can sound quite daunting, but car finance is designed to make the purchasing process as easy and as manageable as possible by splitting the payments up over 12 months or more. The biggest question when it comes to car finance is: Which finance package is best for me?

Pauline @ Make Money Your Way writes How to Identify the Short Term Market Peak – This post will show you how to recognize the short term market peak when it happens.

DPF @ Digital Personal Finance writes 3 Questions to Ask When Aiming For Financial Success – There are 3 important questions to ask when working toward financial success, don’t forget to ask them!

Little House @ Little House in the Valley writes How To Live in an Expensive City Without Going Broke – Here are some real-life solutions for staying in the expensive city.

Dividend Growth Investor @ Dividend Growth Investor writes Do not despise the days of small beginnings – In this article I argue why it is important to start investing, even if you have small initial amounts of funds to invest. The most important thing about investing is simply to get started.

Mike @ Personal Finance Journey writes Money saving tips for the Laundry – Simple and easy Money Saving tips for the laundry. It doesn’t have to expensive to keep your clothes clean!

Crystal @ Budgeting in the Fun Stuff writes Things I Don’t Miss About My Last Day Job – Someone asked me if I missed having a “real” day job. Honestly, there are things I miss about it, but those are outweighed by the things I don’t miss at all.

Don @ Money Reasons writes Do I Have Brilliant Ideas on Helping the Econony or No? – These are some ideas I have for helping the economy. While I think they are original, I wonder if they are being considered already within the government?

Alice @ Hurricanes Panties & Dollars writes The pterodactyl retirement plan – An interesting conversation, a plan to trap a pterodactyl and waking back up in the real world. Plus a fun, catchy video and perhaps a little talk about retirement.

Tushar @ Start Investing Money writes Saving From a Young Age – There is a big difference between saving on behalf of your kids and teaching them good savings habits so they can start saving on their own. Many parents want to put something away for their children’s future – perhaps to help them through college for example.

Jester @ The Ultimate Juggle writes Fairness In Spending On Kids – When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).

krantcents @ KrantCents writes Do You Plan or Plan to Fail? – I plan because I do not plan to fail! If you have goals, you need a plan to make it happen. A budget is a form of a plan. Why budget? A budget is supposed to help you achieve your financial goals.

Jefferson @ See Debt Run writes Using Credit Card Rewards Points Wisely – When getting out of debt, using credit cards can be risky. But once you get there, using rewards points can be a great way to fund vacations and more.

Corey @ 20s Finances writes 6 Tips for Recent Grads to be Smarter With Their Money – Everyone knows that after graduation, there’s a lot you need to do. One of the most important things you can do is learn to be smart with your money. Whether you already have a job, or you’re looking for one after school is out, here are some money tips to help you stay ahead.

Lauren @ L Bee and the Money Tree writes My New Net Worth – Should I count my home’s value in my net worth?

Crystal @ Married (with Debt) writes Remembering the “Pay Yourself First” Rule – Before my husband and I went self-employed, I had a 401k and hubby had a pension plan. Those went bye-bye when we did. Now we are adding more options.

Roger the Amateur Financier @ The Amateur Financier writes 4 Sources of Income in Retirement – A guide to several sources of income during retirement, including social security, pensions, personal savings and investments, and working part-time,

Suba @ Broke Professionals writes Money Terms You Need to Know – Read these critical money terms that you should know to be knowledgeable in the personal financial world.

Bargain Babe @ writes Alternative Ways to Earn Income – Dedicated – Have you heard those radio add or seen the television commercials depicting individuals claiming they need help to “sell my gold”, “get cash now” or sell my diamond?” If you listen to the radio at all…

Tushar @ Earn More and Save writes 3 Things You Need to Know About Paying Off Debt – You’re on a mission to earn more and save as much as possible. There is only one thing standing in your way. Debt. To build a solid financial foundation you first need to free yourself from the burden of debt.

LaTisha @ Young Finances writes How Can I Use Credit Wisely? – Credit cards are not evil. You can build a healthy credit history. Use credit to borrow, get better car insurance rates and potentially secure employment.

Tushar Mathur @ Everything Finance writes Three Tips to Save Money on Halloween This Year – If you couldn’t already tell by the store displays and kids already running around in their costumes, Halloween is only a month a way.

Don @ MoneySmartGuides writes 5 Autumn Home Maintenance Tips – With winter approaching, it’s important to get your house in order for the cold weather. Here are some autumn home maintenance tips for you to implement.

Hank @ Money Q&A writes Are You Losing The Financial Game Of Life? – Are you losing in the financial game of life? If you answered yes, you’re not alone. In 2008, 1 in 10 workers were made redundant.



Dollar @ Easy Extra Dollar writes The Success of Generating Money Online – Know the tracking processes that your affiliates use to track visitors from your website to theirs and on to successful sales. Make sure that these tracking procedures are robust and cover sales that get made off-line. Inadequate customer tracking can cost you money in commissions that your affiliates rightly owe you for the sales that you generate.

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.

Miss T. @ Prairie Eco Thrifter writes How to Bond with Mother Nature – Here are some tips to help you bond with Mother Nature so you can experience the benefits that such an experience can provide.



Mr.CBB @ Canadian Budget Binder writes Dark Alley Soft Chocolate Chip Cookies – You might want to go hide in an alley or a quiet space to enjoy these soft chocolate filled cookies that will be sure to please anyone

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.

KK @ Student Debt Survivor writes If Breakfast Isn’t Easy I Don’t Eat It – We’ve all heard that breakfast is the most important meal of the day. But I’ll be honest, if breakfast isn’t easy, I don’t eat it.


Submit your blog article to the next edition using our carnival submission form at Blogger Carnivals

Learning About Saving For Retirement

We’re all aging each day, so shouldn’t we all be concerned about financing our retirement? Common sense says we should, but reality is much different.

Don’t get me wrong here, many people are saving for their retirement each paycheck. But not everybody who can afford to do so is.

Trying to understand retirement accounts and investing your money can be really overwhelming for most people. So they just put it off each time it comes to mind.

That is a huge mistake!

Learning about saving for retirement doesn’t have to difficult. There are shortcuts out there to make things easier.

Short Cuts For Getting Started:

  • One of my personal favorites is choosing target date funds. Target date funds are usually a mixture of various funds that are balanced just right to work with your expected retirement date. They can be a great starting point just to get the ball rolling. Then later on after you’ve learning a little, you can always switch things up if you choose not to hang onto the target date funds.
  • You could also take advantage of your company’s retirement plan if they have one and ask for recommendations on allocating your money. Everybody loves to give their opinions on things, so just ask.
  • You could try reading the Suncorp superannuation page today
  • You could pick up a dummies book about saving for retirement and get a basic understanding of how things work.
  • You could ask friends and family to share their wisdom with you.


Don’t let your lack of retirement saving knowledge keep you from saving. Retirement time will eventually come around and you don’t want to be caught without a safety net. Remember, counting on the lottery is not considered a realistic retirement plan and is not a substitute for responsible financial planning.

How did you get started saving for retirement?

Carnival of MoneyPros- July 21st

Welcome to the July 21st edition of the Carnival of Money Pros. Enjoy!

SB @ One Cent at a Time writes Making Money Online in Few Unusual Ways – There are countless ways to get yourself earning money online, such as testing for or writing for websites, being rewarded for giving your opinion or being an online bingo chat host.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes How to Teach Your Kids To Be Entrepreneurs – This post describes different ways you can get your kids on the fast track for understanding finances and how to become little entrepreneurs.

Michelle @ Making Sense of Cents writes My Student Loans are GONE – Yup, you just read that correctly. My student loans are gone. Donezo. Eliminated. Demolished. Any other word that you can think of. It seems like just a couple of months ago I published my post about my $38,000 in student loans and how badly I want them gone.

Michelle @ Diversified Finances writes Renting Out A Spare Room For Money – Have you ever thought about renting out a room in your house? We have thought about it and we currently do rent out a room in our home.

Emily @ Evolving Personal Finance writes PF Choices: Damned If You Do and Damned If You Don’t – It seems that some faction of the PF community will disagree with you strenuously on almost any decision you make. Here are seven dichotomies in which you just can’t win!

Mike @ The Financial Blogger writes Is College Worth it? – Is college worth the expense?

Daisy @ Suburban Finance writes Financial Advice for Newlyweds – It’s wedding season! Newlyweds have a lot to work through after the big day. Perhaps the most important of these their now shared finances. Financial decision making varies from one person to the next and this is no different in a marriage. Learning to compromise and come up with a financial plan that both parties can…

LaTisha @ Young Finances writes How to Travel for Less as a Young Adult – Travelling on a budget as a young adult or recent graduate can be expensive. Groupon Getaways makes travel easy and inexpensive. Get a deal to Dubai or Belize.

Ray @ Squirrelers writes Making Money on Market Overreactions: The Twinkie Example – Sometimes we can find money lessons in the most unlikely places. In this case, the craze over Twinkies!

Lauren @ L Bee and the Money Tree writes How to Combine Finances with Your Significant Other – Find out how to combine finances with your significant other in the most seamless way possible.

MR @ Money Reasons writes Why The Age-Based 529 College Approach Has Failed For Me – Read how the Age Based option in my 529 has been a huge disappointment for me. Learn from my 529 mistakes.

Hank @ Money Q&A writes 11 Ways To Save Money While In College – As a college student, finding ways to save money while in college poses a great challenge. It needs someone with self control and discipline to achieve.

Tushar @ Earn More and Save writes 3 Side Businesses You Can Start for Less than $100 – The post 3 Side Businesses You Can Start for Less than $100 appeared first on Earn More And Save.The recent recession has left today’s job market stagnant. Due to this many people are left unemployed or underemployed.

Robert @ The College Investor writes Better Know a Young Millionaire – Aron Susman – This week I’m chatting with Aron Susman, a young millionaire who actually inherited his wealth, and then has gone on to do big things with it. Aron is one of the co-founders of TheSquareFoot, an online platform that simplifies commercial real estate leasing by connecting prospective tenants with landlords, brokers and other service and product providers. TheSquareFoot recently launched in New York to help tenants find New York city office space.

Ted Jenkin @ Your Smart Money Moves writes Entrepreneur Series – Lesson 4 – Avoid Rookie Mistakes – I am not a professional athlete. However, I would imagine that the rookie year on any of the professional sports circuits has to be daunting in nature.

Maria @ The Money Principle writes One needs an emergency fund after all! – Today I changed my mind on the matter of maintaining an emergency fund. Here I set three conditions when this is absolutely necessary.

Crystal @ Budgeting in the Fun Stuff writes Taking a Step Back from Being the Budget Nazi – Sometimes, money just doesn’t matter as much as your sanity. I am going to take a little break from being on top of absolutely everything money-related.

MMD @ IRA vs 401k Central writes All the Great Things About Reaching Your Maximum 401k Contribution – Do you make the maximum 401k contribution to your account every year? If you don’t, then you’re severely missing out on the power of time and compound returns.

Jason @ Live Real Now writes Single Income Family – Effective next week, we are officially a single-income family. In a nutshell, this reduces our monthly income by $1340. What does that mean for us?

Suba @ Broke Professionals writes Name Your Price: How High Are You Willing To Go? – Even though I gave up my coupon binder long ago, I still have standards. Here’s how much I’m willing to spend when buying groceries. How high will you go?

Miss T. @ Prairie Eco Thrifter writes How to Ask for Money Back When Somebody Owes You – Here’s some suggestions on how to avoid an uncomfortable situation and request money someone owes you:

krantcents @ KrantCents writes How to Think Rich and Be Rich – You’re in your 20s or 30s, you have student debt, you’ve accumulated some credit card debt and it looks like you’ll never be able to buy a home. There is a way to think about money that can help solve these problems. Our thoughts precede actions and actions precede results.

Robert @ My Multiple Incomes writes Homeowner’s Insurance Covers… Godzilla?! – Believe it, or not, some home insurance companies do have such oddities as “Godzilla-Style attacks” embedded into the clauses of their policies. Which may seem odd, since most home insurance policies don’t cover more common things like ‘flooding’.

Jester @ The Ultimate Juggle writes Business Banking: What to Look For – Everyone knows that there are businesses that fail every day. There are a number of reasons for a business going under. It could be poor management. Trying to supply an area or niche where there is no demand. Poor customer service. The list goes on and on.

Amanda L Grossman @ Frugal Confessions writes Sometimes You Should Put Your Head in the Sand and Focus, Focus, Focus – Two Saturdays ago we were sitting on the beach, blissfully unaware that it had reached a scorching 107 degrees Fahrenheit.

Little House @ Little House in the Valley writes How Newlyweds Mess Up Their Finances – I think it’s ironic that as laid back as our culture has become with certain things, like the way profanity is used prolifically in the media, it’s still considered “bad manners” to discuss personal finances.

Grayson @ Debt RoundUp writes Money Multitasking – Concept and Execution – Have you ever thought that you are stretching yourself too thin with regards to your money? Are we pushing the limits with our money multitasking and becoming inefficient? If we do too many tasks at once, we tend to lose productivity and creativity. There have been many studies on the effects of taking on too many tasks at one time, so why can it not be pushed to what we do with our money?

Pauline @ Make Money Your Way writes Side Hustle series: Make money at parties – This post will give you more ideas to make money at parties.

CF @ The Outlier Model writes I think my LG refridgerator broke – Sometimes things break! Having an emergency fund and preparing for the inevitability will ensure you get through the ordeal with only a bit of wasted time and little stress!

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes 5 MONEY SAVING TIPS FOR NEW COLLEGE GRADS – Start Wealth Building Habits Now Guest contributor; Anton Ivanov College graduation is fun and exciting.

Pauline @ Reach Financial Independence writes Where will your savings rate take you? – This post talks about regular savings, compound interest, and the size of your nest egg in retirement.

John S @ Frugal Rules writes Paying Off Debt While Dealing With Debt Fatigue – Paying off mountains of debt can seem like it will take forever and many will be tempted to give up and give in to debt fatigue. Through budgeting, allowing yourself some fun money each month and a good plan you can best set yourself up to overcome this debt fatigue.

Mr.CBB @ Canadian Budget Binder writes How to Budget as a Couple – Budgeting as a couple for some people is a difficult task, but it doesn’t have to be. Follow some simple steps to work your way towards budgeting your personal finances together.

Rich El @ Modest Money writes Top 10 Emotional Money Lessons to Improve Your Finances – The line of poverty for many is closer than you think. Fixing the emotional issues will help you prosper in the financial side of life.

Glen Craig @ Free From Broke writes Get More Travel From Your Purchases With These Travel Rewards Cards – Using a credit card with travel rewards will give you benefits like free flights, hotel nights, upgrades and more. See which cards we think are the best.