Finance Carnival for Young Adults

Welcome to this edition of Finance Carnival for Young Adults, enjoy this great selection of personal finance posts. If you are a blogger and write about personal finance, don’t forget to submit your post for next week’s carnival, by clicking this link.

Darwin @ Darwin’s Money writes This is the Only Stock I’ve Bought in Months – 3D Printing About to Change the World – If you haven’t heard about 3D Printing yet, you will soon. It’s about to change the world and here’s the only pure play stock up 300% over the past year which has 3D printing at its core.

Lance @ Money Life and More writes Why Is My Paycheck Smaller? Understanding Your 2013 Paycheck – If you’ve received your first paycheck of 2013 you’ve likely realized that your 2013 paycheck is smaller than your 2012 paychecks were. It is a sad realization but there are a few reasons why your paycheck may have gotten smaller in 2013.

Robert @ The College Investor writes The Best of The College Investor 2012 – The theme of The College Investor has always been to get out of student loan debt, master your personal finances, and start investing. Sometimes I feel like I’ve lost a little focus on this core theme, so I’m going to revisit this in 2013. I don’t want the site to feel generic. I want readers to know what they will expect when they come here, and hopefully surprise them with even more than they hoped for.

Robert @ My Multiple Incomes writes My Monthly Income Stream Report – December 2012 – I decided to do both, so here is my December Multiple Income Stream Report. I’m going to keep this pretty short and sweet, but wanted to highlight a few things.

Robert @ Entrepreneurship Life writes Prepare for Opening Day – Our party promotion business opened with a bang on New Year’s Eve as we welcomed nearly 200 revelers to dance and party the night away. We learned a lot getting to that point, and I want to share what we learned.

Robert @ Kids Ain’t Cheap writes Breastfeeding at Work? – One sector of our health department is telling her, and all women, to breastfeed anywhere and everywhere while another sector is conflicting telling her to breastfeed privately and not at her place on employment, a restaurant.

Div Guy @ The Dividend Guy Blog writes Best 2013 Dividend Stocks – We have researched the best stocks to get your hands on this year.

Martin @ Studenomics writes How You Can Embrace Minimalism Right Now to Set You Free – How to earn your freedom in 2013.

Mr.CBB @ Canadian Budget Binder writes Finances In The New Year+Budget=Success Formula – I give tips about budgeting and why it’s a great time to start in the New Year. Lots of information for the first time budgeter or someone looking for fresh perspective.

krantcents @ KrantCents writes My 2013 New Year’s Resolutions – My 2013 New Year’s Resolutions are a commitment to a variety of projects. I decided this year to embody the real meaning of resolutions. I recently shared that resolutions are a commitment, an individual makes to a project or reforming a habit.

PPlan @ Provident Plan writes How Your Identity Could Be Stolen – Identity theft happens to many people every year. Many people are unaware that they have even had their identity stolen.

Tushar @ Earn More and Save writes How to Apply for a New Job on the Down-Low – How to find better-paying career opportunities and apply for a new job without tipping off your current employer.

Eddie @ Finance Fox writes 4 Avoidable Money Mistakes – When it comes to money there are many avoidable money mistakes to avoid no matter whom you are or at what age

Passive Income Earner @ The Passive Income Earner writes Best Mortgage Calculator – Find the best mortgage calculator out there amongst the banks and the alternate mortgage lenders.

Corey @ 20s Finances writes APR vs APY: Understanding the Difference – When searching for a loan or savings product, you are quoted with the annual percentage rate (APR) and the annual percentage yield (APY).

Kanwal @ Simply Investing writes The Top Ten Posts of 2012 – Happy New Year! Here are my top 10 posts from 2012. Investment versus Speculation Mutual Funds vs Simply Investing $321, 000 Lost to Fees Long Live the Dividend! My Best Investment Yet +275% Top 5 Reasons Why Mutual Funds Fail Paying Dividends Since the 19th Century Saving money for a vacation, car, or house? Don’t put that money in stocks.

TDB @ Tax Deduction Blog writes Social Security Secrets Congress Doesn’t Talk About – Everyone needs to have an idea of how Social Security is taxed, and this article features that information and what you need to know before you take that second job.

Suba @ Broke Professionals writes My Husband’s Coworkers Think I’m Cheap – I’ve always been proud of my frugal habits – until my love of saving money got me teased at my husband’s office party.

Your Boss @ What Your Boss Really Thinks writes How Some Mormons Run Small Businesses in Utah – Story One My friend wants to quit her job. She barely started it a few weeks ago, and she already cannot stand it. It is not the job per se that drives her to the edge of insanity. It is the people. Or I should rather say, it is the business style of the company.

Crystal @ Budgeting in the Fun Stuff writes Budgeting in the Roommate Stuff – I was asked Can you do a post on how having roommates affects your budgeting? Yes, yes I can.

Ashley @ Money Talks Coaching writes Goals for 2013 – My dad used to scuba dive. I remember this one time when I was about 8 years old we went to Catalina with one of my dad’s friends so that they could go

Mike @ Personal Finance Journey writes New Year Plan – Its time to be settting Goals – A Simple Practical way to look at your financial goals for the New Year Plan. A guide to setting Goals for 2013 and starting your finance journey right.

Aloysa @ My Broken Coin writes Confessions of a Deranged Shopaholic – Hi, I am Aloysa, and I am a shopaholic. But you already know this. The other day, one of my friends asked me if I knew how much money I spent on shopping in 2012. I was clueless. But being curious by nature, I pulled up all my bank account statements and did some research.

Matthew Allen @ The Pay Off Credit Card Network writes Apply for Discover Credit Card Review and My Experience – Did I ever apply for a Discover credit card? What kind of website would this be if we didn’t practice what we preach? I decided to “put my money where my mouth is,” and actually apply for a Discover credit card myself. In this post, I will share my exact experience with Discover via detailed descriptions, screenshots and periodic updates.

Corey @ Steadfast Finances writes ‘Til Debt Do You Part: Should a Hidden Financial Past Stop the Wedding? Part Two – You are so excited about what the future holds for you and your beloved one until you show them your brilliant financial plan and they turn as white as a sheet.

Marvin @ Brick By Brick Investing writes Successful Investor Eliminate Debt – Detailed description of why it is imperative for you to eliminate debt if you want to become a successful investor.

Tushar @ Start Investing Money writes Tips for Understanding Commodities Spreads – Let’s face it, the term commodities spread betting is enough to make most people’s eyes glaze over. But if you’re thinking about getting involved in commodities trading, it makes sense to find out everything you can about spread betting.

Daisy @ Add Vodka writes 2013: The Plan – I know lots of bloggers don’t believe in resolutions, and I don’t really either. Frankly, most years when I make them they last until maybe March, upon which time I forget all about them…

Jason @ Work Save Live writes How to Start and Use the Cash Envelope System – If you’re serious about getting your financial life in order, then learning how to use the cash envelope system will save you thousands of dollars over the course of the next few years and it will play an integral role in helping you manage money better.

Ted Jenkin @ Your Smart Money Moves writes Should My Wife Quit Her Job? – I saw this question on Yahoo the other day and thought how many times clients have asked me this question over the years.

Tushar @ Finance TUBE writes The Debt Movement is Here: Will You Join? – Today we will talking about the Debt Movement is Here: Will You Join? Debt is a tool which allows you to have something new which can’t truly afford. Most people take debt to buy a home, car or to go to college but this entire instance of debt may be considered as the necessities.

MMD @ My Money Design writes The Future of the U.S. Economy and Why We’ve Still Got a Long Ways to Go – Despite the outcome of the Fiscal Cliff, the future of US economy will still be inhibited when you examine some of the fundamental economic indicators.

Peter @ Bible Money Matters writes Ally Bank Apps for Android and IiOS Smartphones Now Allow Remote Echeck Deposits – Within the past couple of months, Ally Bank has now released their own remote deposit app. This post will do a brief review of the new Ally Bank remote deposit app.

Roger the Amateur Financier @ The Amateur Financier writes The Best and Worst of 2012 – It’s still only a few days into the new year, which means that it’s still the perfect time to look back on what has happened this past year and see if I can

Maria @ The Money Principle writes Do you have too much debt? At the beginning was…feeling – Here I set out the six signs that one may have too much debt. This can be a check list; answer ‘yes’ to four and you better get checking accounts.

Steve @ 2012 Tax writes Understanding The Fiscal Cliff Deal – The taxes paid by most Americans will definitely increase despite the fiscal cliff deal just signed by Congress.

Luke @ Learn Bonds writes Buying Corporate Bonds – Your Free 11 Lesson Guide – Thinking about investing in corporate bonds but not sure where to start? Our free guide to buying corporate bonds was designed for you. Come learn today!

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes UNIVERSAL LIFE INSURANCE – REALLY? – Those with dependents need life insurance. Don’t combine investing and insurance. Skip the universal life insurance.

Daniel @ Sweating the Big Stuff writes Have You Heard of Dependent Verification? – I can’t stand people who game the system at other’s expense…and insurance seems to perpetually fall into this category. This year, my employer announced a new program to combat insurance costs (i.e. fraud)

Amanda L Grossman @ Frugal Confessions writes 4 Positive Financial Moves We Made to Our Bottom Line in 2012 – At the end of the year it always feels like time has slipped away for me.

SFB @ Simple Finance Blog writes What I Did Right This Year: Fully Funding My Roth IRA – My biggest financial goal of 2012 was to fully fund my Roth IRA. Here’s how I reached my Roth contribution limits to maximize my retirement savings.

Everything Finance @ Everything Finance Blog writes Heads Up: Keep an Eye on Your Student Loans – I simply must share what I learned about student loan repayment. I hope it helps someone avoid the financial catastrophe I experienced today.

Lazy Man @ Lazy Man and Money writes Justin Bieber Wants Teens to Bill Their Parents? It’s Not SpendSmart – Justin Bieber is going to offer his own “SpentSmart” prepaid card through The card appears to be anything but “SpendSmart.” Here’s a list of the fees (rounding up the nickels):

Bank Free Credit @ Bank Free Credit writes Best Free Software: Seven Programs You Shouldn’t Be Without – Between work and personal time, I spend a large part of my day on the computer using a wide variety of software programs. While some of them are paid for, a majority of the programs I use on a regular basis are free. Below are seven of the best free software programs I use every day.

Hank @ Money Q&A writes Lifetime Milestones When To Buy Insurance – With each new milestone in your life, your life insurance coverage may need to change. So, you must decide when to buy insurance. You need to check your coverage.

Jason @ Live Real Now writes Net Worth Update – Here is my net worth update, along with the progress we made over the course of 2012.

Kyle James @ writes My Best Finance Tip for 2013 – A tip to avoid Christmas Debt in 2013.

CAPI @ Creating a Passive Income writes Bloggers Beware: Passive Income on the Rise – The web has become a proverbial madhouse of information, tutorials, and how-to websites as a growing number of people tap into the masses of people seeking guidance on everything under the sun. Blog topics are as varied as the people in this world and seek to occupy a new space in our hearts.

Savvy Scot @ The Savvy Scot writes Change Your Life in 10 Steps – The Final Episode – The Conclusion of the ‘Change Your Life Series’ – a 10 post collection that addresses making a BIG CHANGE in ten small steps. From health and fitness to finance and knowledge, the series examines simple ways to make a significant change. The final episode discusses setting goals that are achievable and gives tips on how to keep them.

Don @ MoneySmartGuides writes Six Money Moves to Make in 2013 – Recently, The Wall Street Journal posted a story about six money moves you should make in 2013. These aren’t the typical [increase your 401(k) contribution rate], but other financial moves that can have a big impact on your finances.

Miss T. @ Prairie Eco Thrifter writes Start Managing Your Debt – There are some simple ways to manage your debt and you will find four helpful tips here in this article. I learnt many of them from personal experience when I realized that I had to do something about my credit card debt that was spiraling out of control.

A Blinkin @ Funancials writes Why I Think We’re Adding The Wrong Jobs – A lot of people played up the fall in the unemployment rate from 7.9 to 7.7 Percent as a sign that the economy is improving. I’m not one of those conspiracy theorists that believes all government numbers are fudged, but I think the media can do with them what they want.

Gary @ Gajizmo writes How Much Should I Save Each Month? – Once the bad habit of overspending is stopped and saving begins, the next question should be, how much do I save each month? The answer depends on your personal financial situation, but here are a few guidelines to fully fund your emergency savings, retirement, and any other special purchases you are saving towards.

Jennifer Lynn @ Broke-Ass Mommy writes Resolutions for 2013. – Check out my new resolutions this year, modest but interesting!

Wealth Effect Blogger @ Your Wealth Effect writes What is your risk free rate of return? – There is usually a big difference between what the press says is a “risk free” rate of return and your “risk free” rate of return.

Little House @ Little House in the Valley writes Working Your Way Out of Debt with Zero Balance Transfer Cards – For those of us (yes, me too unfortunately) that racked up a bit of debt over the past 12-months, zero balance transfer credit cards might be a great way to get out of debt. Here’s what you need to know about those offers that might seem too good to be true:

Ray @ Squirrelers writes You Just Got a 2% Pay Cut – How Do You Feel About It? – Effective January 1, those of us in the U.S. saw an increase in payroll taxes for people under a certain threshhold of earnings. This means most people saw 2% less in their paychecks. Is this a case where we just say “deal with it” and move on?

Invest It Wisely @ Invest It Wisely writes New Year’s Reading – To start the new year off right, check out three of my favorite articles

Teacher Man @ My University Money writes How Much to Tip When You Are a Poor Student – The whole topic of how much to tip has been done to death in my opinion, but are “the rules” always the same for everyone?

Young @ Young And Thrifty writes Is a Costco Membership Worth It? – To figure out whether a Costco membership can really pull its weight, I am going to list the pros and cons of shopping at Costco.

Jester @ The Ultimate Juggle writes First Dining Out Experience of the New Year – Read abount my family’s first dining out experience of the New Year

Girl Meets Debt @ Girl Meets Debt writes Oh, Oh, Oh, She is a Princess – I have curbed my princess behavior as I matured over the years but I can definitely see a younger me when I see those princesses act self-indulgent and stupid with money they do not have. Let us see if we can learn a thing or two from these spoiled princesses.

Alexa @ Modest Money writes Modesty Really is the Best Policy – It is a completely natural feeling to want things and want them now. After all we are human beings. The key to getting the things you want is sacrifice. Live modestly now, live it up later.

harry campbell @ Your Personal Finance Pro writes Breathe New Life Into Your PC or MAC Computer – For the past 5 years, all of my personal computer use has been on a 2009 Macbook Pro that I got as a graduation gift. I didn’t have to worry too much about the cost at the time since it was a gift and I got a small student discount. But recently, I started to notice a huge performance decline, it was running slower and I couldn’t run multiple programs at once. This slowdown was bound to happen eventually but I knew I wasn’t ready to spend another $1,500 for a new laptop.

Jon the Saver @ Free Money Wisdom writes 15 Ways To Upcycle and Save Money – Here are 15 awesome ways to reuse things around your home and save money in the long term. It’s easier than one would first think!

Investor Junkie @ Investor Junkie writes What Are Non-Traded REITs? – Non-traded REITs are in the headlines as brokers push them for their high yields, and FINRA investigates the investments for their robust claims. Here’s what you need to know about non-traded REITs before you consider an investment.

Joe @ Midlife Finance writes Resolve Your Future in 2013 – It’s fun to make predictions for the coming year. The only problem: once they’re in print, you’ll have to face it in January of the next year. Maybe you were right, maybe you weren’t.

Jordann @ Making Sense of Cents writes How to Stick with an Exercise Program – Well it’s New Years and with that comes to huge wave of new gym memberships. People left and right are standing in front of the mirror and vowing that 2013 is the year they’re going to change.

Josh Thompson @ Becoming Your Own Bank writes Why I Love Life Insurance – Some of the reasons I love life insurance and why it has been such a fantastic investment…

CF @ The Outlier Model writes Financial Goals – 2013 – Reviewing old goals and setting new ones has been a key to our financial success. Here\’s how we did in 2012 and what we hope to accomplish in 2013.

John S @ Frugal Rules writes 4 Helpful Free Investment Tools – Investing in the stock market can be a challenge for the seasoned investor, much less a newbie investor. By using some free investment tools you can make more informed investment decisions that will benefit your portfolio.

Jon @ Novel Investor writes Your Official 2013 Federal Income Tax Brackets – The 2013 federal income tax brackets were finalized on the first day of the new year. The tax tables are for the 2013 tax year, with taxes due April 2014.

Deacon @ Well Kept Wallet writes Get Paid to Lose Weight – Is one of you New Year’s resolutions in 2013 to lose weight? What if I was to tell you that there is a company out there that will pay you to lose weight. Seems to good to be true, right? Who would pay you to lose weight?, that’s who. My wife and I signed up last week and are super excited to participate in the challenge.

Paul Vachon @ The Frugal Toad writes How to Save Money by Buying a Used Car – Buying a new car is even more expensive than you think. Depreciation in the first year can cause you to be upside down on your loan. Find out why buying used makes cent$.

Chris @ Money & I @ Money & I writes Record Shops in London – Where to Buy Music? – A thrifty music freak/PF blogger explains where to find and how to buy amazing, yet still well-priced records in London.

Pauline @ Reach Financial Independence writes 13 money resolutions for 2013: #5 review your expenses! – This post is part of a 13 money resolutions series to kick start your finances in the new year and reviews all your expenses to keep only the necessary ones, lower or ditch the rest.

Emily @ Evolving Personal Finance writes Do You Buy, Lease, or Get Free Entertainment? – We virtually never buy media any longer but get most of it for free. What do you splurge on and if you buy, why?

Glen Craig @ Free From Broke writes What are the Different Stock Market Exchanges? – The Market we hear so much about is actually made up of different exchanges. See the different stock market exchanges and what they handle.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Using Prior Planning to Prevent Poor Performance – “You need to plan to get where you want to be financially, otherwise, you probably won’t end up where you wanted to be.” This post explores the idea of “prior planning prevents poor performance” and how your financial situation could improve when you learn how to properly plan your finances prior to actually using or needing them.

KK @ Student Debt Survivor writes Embarrassed to Drive a Used “Beater” Car? I’m not! – Ever worry about what others will think about you when you’re driving a “wreck”? I’m not concerned.

Suba @ Wealth Informatics writes Save $1000 in 30 days challenge – Who couldn’t use an extra $1000? Start the new year with an extra $1000. Here are 30 tips to save $1000 in 30 days, just a month. Spend less an 1 hr a day and save thousands of dollars.

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  1. thanks for inclusion and hosting, I really appreciate it.


  2. Thanks for hosting and including my post this week! Have a great weekend!


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