Carnival of Personal Finance #340 Diverse PF Bloggers Edition

Carnival of Personal Finance

Welcome to the 340th edition of the Carnival of Personal Finance! If you are unfamiliar with a blog carnival, it is a collection of some of the best posts, centered around one main topic, in this case personal finance, and grouped by related subjects.

If you would like to be included in a future edition, please submit your best posts!

It’s so interesting to see the growth of personal finance blogs. When the creator of this carnival first started blogging there were only a few PF bloggers and now there are hundreds, usually with their own angle on finance. So without further ado, let’s get started with the Editor’s Picks and their take on personal finance.

Editor’s Picks

Ashley from Money Talks Coaching presents Holiday Gift Card Promos, and says, “We try to take advantage whenever one of our favorite places has the buy one get one gift cards. If it’s a place where we know we will spend the $100 gift card then the $20 is free money. By the end of December we usually have $200 or $300 in gift cards to our favorite places, plus another $40 or $60 in free eating out.”

Angle on Personal Finance Blogging: Ashley takes a coaching angle, hence the name Money Talks Coaching. We all need a personal trainer and someone who will cheer us on and support us when we are trying to reach a goal. This post is a great one about how you can save money by taking advantage of the free gift card promos that are so prevalent at this time of the year.

Amex points means free $50 gift cards!

Photo via Flickr

Colin Williams from humble savers presents Five Ways To Save Money – In Your First Job, and says, “Starting your first real job is something we will all remember, including the pay-slip! Five practical tips to develop good money saving habits.”

Angle on Personal Finance Blogging: Colin worked for 25 years in the business of financial services, including being a financial advisor. I’m sure you’ve heard that if you want more money you either need to make more money or save more. Well, at humble savers, they present 5 ways to save each week on a new subject. In keeping with that topic, this post centers on saving in your first job. Suggestion number 4 is my favorite. You?

101 Centavos from 101 Centavos presents Caffe Break: Walk-away Negotiating, and says, “Learn about walk away negotiating, be prepared to use this technique if you have to.”

Angle on Personal Finance Blogging: 101 Centavos covers mostly investing in the finance realm but you will also enjoy several other topics including gardening, cooking and every now and then, Caffe Breaks. This post is one of those Caffe Breaks on negotiating which is good if you like to find great deals at yard sales or flea markets.

A Blinkin from Funancials presents I Only Listen to Techno – crats, and says, “Technocrats are becoming very popular in within our debt-stricken governments. Greece and Italy have already placed two technocrats in charge of their countries, now which countries will follow?”


Photo via Flickr

Angle on Personal Finance Blogging: Funancials is one of the more serious bloggers. Just kidding! From the name I’m sure you could tell I was being facetious. A Blinkin covers everything from economics to investing to real estate. There’s even a category named huckin’ filarious. This post is a good one on modern economics and politics with a funny take on things as usual.

Annabelle from Shopping Detox presents French Women Don’t Get Debt, and says, “How the philosophies of the French Women Don’t Get Fat diet can work as budgeting tools – don’t stress about money, only buy things you love, enjoy your life and eat a croissant every now and then.”

eiffel tower

Creative Commons

Angle on Personal Finance Blogging: Annabelle and I have an addiction in common, shopping! But like me, she is making a point to stick to some rules on spending money shopping. She approaches personal finance blogging in a more frugal manner. Keeping a set of Rules for herself but also throwing in some Challenges along the way. I really like this post because I’ve always heard that French women have a way of staying skinny that most other women do not understand. Well how about when that’s applied to budgeting? Check out her post for more.

There were also more great submissions to this edition’s carnival. Read on for the rest.


Don from Money Reasons presents Controlling Christmas Costs, and says, “This is how I control Christmas Costs in the past, present and future. These strategies that worked for me and perhaps will work for you!”

Michael from So You Think You Can Save presents Save With A Purpose, and says, “Saving with goals in mind will help you get there faster!”

Teacher Man from My University Money presents Pension Envy and the Company Match, and says, “Government workers have great pensions and people are jealous. What they don’t see is that government workers are forced to invest properly.”

Miss T. from Prairie Eco Thrifter presents How to Save Money with Coupons and Discount Codes, and says, ” If you’re not already using coupons at the grocery store or finding discount codes for shopping online, you’re missing out on great ways to save more. Want to know more? Here are some tips for getting started with coupons and discount codes.”

Chris Holdheide from Stumble Forward presents 10 Ways On How To Save Money On Your Cell Phone Bill, and says, “Learn about some of the different things I did to cut down my cell phone bill.”


Ryan Yates from Deliver Away Debt presents Automation Domination: Streamline Personal Finance, and says, “Automating your finances saves time. An automatic money transfer doesn’t have to decide whether or not to save this month or blow your cash on stuff you might not even use.”

Money Walks from Money Walks presents 4 Tips for a Financially Freeing End of the Year, and says, “Stressed? Money Walks shares 4 ways to relieve financial stress at the end of the year. ”


Hank from Money Q&A presents Three Christmas Gifts To Give Your Children That Keep On Giving, and says, “There are a few examples of Christmas gifts to your children such as Roth IRA contributions that will keep on giving long after the holiday season has ended.”

Squirrelers from Squirrelers presents Can Well-Run, Employee-Friendly Companies Outperform Stock Market Averages?, and says, “Does the market undervalue the impact on companies that are regarded as being well-run and/or employee-friendly? This post summarizes an analysis I did which showed interesting performance results of “best” companies versus market averages.”

D4L from Dividend Growth Stocks presents Best Stocks for 2012, and says, “Virtually every financial writer will pen an article selecting his or her top stock picks for the upcoming year. I enjoy reading them and the logic behind the picks. As a long-term buy and hold investor, generally most aren’t useful for me; nevertheless, I find them entertaining and sometimes there is a gem to be found. Here are some picks for 2012…”

Paul Vachon from The Frugal Toad presents Looking for Income? – Try Stocks That Pay Dividends, and says, “If you are looking for more income from your investment portfolio you just might want to look at stocks that pay dividends. Stocks that pay dividends and in particular, quality stocks that have historically increased their dividend over time, offer the potential for more income without the added risk.”

J.P. from Novel Investor presents Know The Wash Sale Rule When Selling Those Losers, and says, “The year end is a popular time to sell those loser investments for tax purposes. But this strategy can backfire from not knowing the wash sale rules.”

Div Guy from The Dividend Guy Blog presents How to Build a Leveraged Dividend Portfolio, and says, “Time to build a portfolio worth writing about.”

IS from Intelligent Speculator presents The Best International Stocks To Buy Now, and says, “The best dividend stocks for the serious investors.”

Money Management

Ron Haynes from The Wisdom Journal presents New Ways To Make Extra Money, and says, “Making extra money is high on everyone’s priority list these days. Here are a few ways you may not have considered in the past!”

Peter from Bible Money Matters presents American Express Bank Savings Review: High Yield Savings Account, and says, “American Express has been around for 160+ years and is one of the most recognizable brands in the world. They’re best known for their credit products including charge and credit cards, but their savings accounts are quickly becoming a solid option for people looking to make the most of their money. While no banks have amazing rates right now – with hardly any of them being above 1% – American Express savings is currently one of the top bank rates available.”

Michael from Begging To Retire presents Real Estate Buyer Tips: Why buying this winter is a smart strategy, and says, “The housing market is not in a good place right now but if you look around for deals this holiday season, you might find something too good to pass up.”

John from Passive Family Income presents 4 Cheap Ways to Go Green at Home, and says, “In these tough economic times, it’s understandable if your ability to live a green life is limited. However, doing your part can still be achieved if you’re willing to make a little extra effort.”

Boomer from Boomer & Echo presents Paying The Price For Financial Procrastination, and says, “One of the worst prices you pay for procrastinating is in the financial or wealth area of your life.”

Sustainable PF from Sustainable Personal Finance presents Donations to Charities: How to Decide Where to Give, and says, “When you give money to a charity, the assumption is that you are helping a cause — and most of your donations to charities will benefit those who need it most.

Unfortunately, this is not always the case. Before you give away your hard-earned cash, double check the charity.”

Ginger from Girls Just Wanna Have Funds presents Want Financial Freedom? Create A Solid 5 Year Financial Plan That Would Make Oprah Proud, and says, “Create A Foundation: Discover Your Values.

What are your financial values? Do you want to get out or stay out of debt? Would you like to travel more or start/ramp up a hobby? Own a home? Start a business? Answering and incorporating these into your financial plan will help you set up a foundation which guides your plan through the end.”

Dough Roller from The Dough Roller presents Comparison of Layway Plans from 5 Major Retailers, and says, “Layaway is making a comeback and we’ve taken a look at five of the most popular plans to show which one costs you the least amount of money.”

Matt Bell from Matt About Money presents How to Mess Up Your Marriage, and says, “Some of the common “cures” for money problems in marriage are actually worse than the disease. Here’s a case in point.”

Big Cajun Man from THE Canadian Personal Finance Site presents Dickensian Economics, and says, “Funny Dickens’ advice in David Copperfield still rings true today.”

Mike from Green Panda Treehouse presents How to Get Home For The Holidays, and says, “A must read for those traveling home this week.”

FMF from Free Money Finance presents How to Run a Successful Reselling Business, and says, “There are a number of things you should do (and things you should avoid) when starting, developing, and maintaining your reselling business.”


Bryan from Pinch that Penny! presents 3 Year-End Money-Saving Tax Tips, and says, “In this article, I share three ways to reduce your taxes for this year.”

John Dex from Kindshares’ Donate Stock Blog presents Act Now for 2011 Stock Donations, and says, “Make your tax-smart donation of appreciated stock now to ensure a 2011 deduction. Earn the regular charitable deduction PLUS avoid capital gains taxes.”

Philip from PT Money Personal Finance presents Year-End Tax Strategies and Moves, and says, “Discusses some tax moves that could be made at the end of the year in order to maximize tax deductions.”

Madison from My Dollar Plan presents Should You Pay Your Property Taxes This Year?, and says, “You can pay your January 2012 property taxes in 2011 or 2012 – which is the right choice? Read on to find out!”

Trent Green from Money for Regular People presents End of Year Tax Planning and the Mortgage Interest Deduction, and says, “As a tax professional I’m not a fan of certain categories of year-end tax planning for people whose financial situations are relatively stable. One common example of such tax planning advice is to pay your January mortgage in December.”


Mr. Money from Smart on Money presents Saving Money on Video Games for a More Frugal Gaming Experience, and says, “Here are some ways you can get the most entertainment out of your video game budget without raising your checking account rates”

Aloysa from My Broken Coin presents Is Hoarding The New Frugal?, and says, “My friend is a very frugal person: she counts every penny, she evaluates every purchase, and she does her research before she decides to buy anything whether it is a car or a pair of shoes. Read her story here!”

Kevin from Thousandaire presents Thousandaire Countdown #2 HTPC Rap, and says, “The HTPC Rap is my best and only rap song. It’s also the second best song I’ve ever done.”

Jenny Kerr from The Jenny Pincher presents How to Cook A Free Range Chicken & Turn it Into 22+ Meals, and says, “Want to get the most out of your grocery bill? Try cooking a whole chicken. When you cook a whole chicken, it sort of ends up being the gift that keeps on giving! ”

Money Thinker from Money Thinking presents Being Thrifty with Gift Cards, and says, “Got a gift card that you’re not sure what to do with? Money Thinker shares some tips on how you can use them to your advantage! ”

Harri Pierce from TotallyMoney presents 4 things to do with your unwanted Christmas presents, and says, “How to use your unwanted presents”

bob from Christian Personal Finance presents Christmas Gift Alternatives: 5 Ways to Give Without Buying Gifts, and says, “What can families do instead of buying gifts? Here are a few ideas that you might want to look into. Some involve money, and others just take a little time.”


Jake Gibson from NerdWallet Credit Card Blog presents Credit Cards: Protection Against Misguided Gifts, and says, “Shopping with your credit card might give you better protection against broken or unloved gifts than merchants do.”

Money Beagle from Money Beagle presents 5 Ways To Avoid Phishing Scams, and says, “Don’t fall for the traps that phishers will try to bait you with!”

John from Wallet Blog presents The Battle of the Black Cards: American Express’ Centurion Card vs. Barclays’ Visa Black Card, and says, “In one corner, we have the Black Card. In the other, we have, uh, the Black Card. Confused? Most likely, and that’s exactly why American Express recently engaged in a legal battle for the right to use the name that has come to signify wealth and status not only in the credit card industry, but throughout society and pop culture as well. So the ultimate question is: Which is the better Black Card?”

Flexo from Consumerism Commentary presents Chase Freedom Review and Comparison, and says, “The good and the bad about the various credit cards called “Chase Freedom.”"

Clint from Accumulating Money presents What The Singing Free Credit Report TV Commercials Don’t Tell You, and says, “Sadly, free doesn’t always mean free these days. Sometimes it does mean free. But sometimes it means “free but…”. Like “free but…you have to pay for shipping.” Or “free but you must buy something else first.” Or in this case “free but you need to sign up for a monthly service.””

Martin from Studenomics presents How You Can Master The Plastic to Save Thousands of Dollars, and says, “The ultimate post showing you how to use your credit card.”


Eddie from Finance Fox presents Thinking of Going Back to Former Employer – Would You?, and says, “Returning to a former employer is real trend and it’s happening in all industries. The trend is appropriately dubbed as boomeranging. No one said, all relationships are perfect the first time, maybe the second time around is the charm.”

Shaun from Smart Family Finance presents Will a College Degree Increase Your Odds of Becoming Wealthy? Gallup Poll Finds Half of the Wealthiest 1of Americans Have a Graduate Degree, and says, “Do you want to better your odds at become part of the wealthiest 1of Aericans? Gallup polling results show that you should consider getting a graduate degree. Half of those in the top 1ofge earners have one.”

Dan Meyers from Your Life, Their Life presents Use your job as a tool, and says, “You may not love what you do at work, but you can still use your job to pursue your passion… learn to use your job as a tool!”

Barbara Friedberg from BARBARA FRIEDBERG PERSONAL FINANCE presents HOW TO LIVE WELL WHEN YOUR PASSION DOESN’T PAY WELL (part 1), and says, “A reader asked why I freelance for less than I make in my day job. Read my answer and thoughts on working in low paying fields.”

Adam Williams from Rabbit Funds presents Getting a job after college takes at least two years, and says, “One of the best professors I had in college told my class that getting a good job would take at least two years and that we needed to start immediately. I took that advice to heart.”

Shaun from Money Cactus presents The Value Proposition: How to Make Sales and Influence People, and says, “If you are looking to make a nice side income, or even a full time living you need to find a product or service that appeals to people. This is where your value proposition comes into play. In this post I cover some value proposition examples and how you can employ them to best effect.”

Miranada @ Financial Highway from Financial Highway presents 50 Home Business Ideas, and says, “Many of us want to earn extra money from home. And, indeed, starting a home business can be a good way to cultivate additional income, and help you reach other financial goals that you might have. From creative business ideas, to the more mundane, here are 50 home business ideas.”

Mike from The Financial Blogger presents How Social Media Can Ruin You, and says, “What are you doing on social media?”

Mike from Experiglot presents How To Start a Successful Freelance Writing Business, and says, “The most detailed post around on starting a freelance writing gig.”

Glen Craig from Free From Broke presents Unemployment Extensions In Jeopardy – What Long Term Jobless Should Consider Doing, and says, “Unemployment extensions are in jeopardy. As a result, many who are unemployed will lose benefits. Here is what the long term jobless should do to be pro-active.”

Real Estate

Crystal from Budgeting in the Fun Stuff presents Working Extra Hours to Sell My Home, and says, “Two and a half years after I bought my townhouse and $70,000 underwater later, I was miserable because of the lost money and because of my hour and a half daily commute. For my well-being, I had to move. I had a lot in savings, but certainly not enough to cover all of the difference between my home’s value and what I owed on it.”

Paula @ Afford Anything from Afford Anything presents I Cringe At This Common Real Estate Mistake …, and says, “I cringe when I hear someone say, “I’d like to collect rent, but I also want the price to rise so I can sell it. And maybe I also want to live there someday.”

They’re really saying: “I don’t have a strategy. I want it all.””

N.W. Journey from Net Worth Journey presents Warning: The Absolute Worst Way to Buy a Home, and says, “Learn how not to buy a home.

Jacob @ My Personal Finance Journey from My Personal Finance Journey presents Buying the Right Foreclosed House in Today’s Market, and says, “This post discusses important considerations to keep in mind when looking into purchasing a foreclosed home. From knowing the neighborhood to thinking more long-term, this post gives insight into what red flags to look for when considering a foreclosed home for a primary home or investment.”

Martin from Passive Income Now presents The Art of Screening Tenants Properly to Protect Your Huge Investment, and says, “How you can screen tenants for your rental.”


Daniel from Sweating the Big Stuff presents Give This Gift If You Want To Piss Off Your Husband, and says, “I love getting surprises, but there’s one I wouldn’t be too thrilled with. If Lauren ever does this to me, we’d have a problem. What do you think?”

Craig Ford from Help Me Travel Cheap presents Best Current American Express Membership Rewards Transfer Bonuses, and says, “A guide on how to get even more value out of Membership Rewards.

Erika from Newlyweds on a Budget presents The Biggest Myths about Marriage, and says, “Long time married couples have often touted these three soundbites as the best kept secret to a long-lasting marriage. But I’m here to tell you why these are the biggest marriage myths of all time.”

PITR from Passive Income To Retire presents Content is King, and says, “When you are trying to make a successful blog, what is the most important aspect? The old adage rings true for me as content is the most important aspect in my mind.”

Craig Ford from Money Help For Christians presents Christmas Lessons on Repentance and Redemption from Three Villains, and says, “Chistmas offers all of us a chance to change.

PKamp3 from Don’t Quit Your Day Job… presents Who Are The One Percent? Who Cares?, and says, “In the long tradition of satire along the lines of Jonathan Swift’s A Modest Proposal, I bring you this article about the “GDP Inequality” of the world. Yes, I pretended that countries were people and figured out the inequality measures of the sovereign states in the world.

Maybe this article is two weeks late, but even if it is, it’s an interesting look at the world from a warped perspective.”

Briana Myricks from 20 and Engaged presents 2012 Goal: Batch Cooking, and says, “Cooking in batches can save time and money. My goal in 2012 is to cook for the entire week.”

Nicole from Nicole and Maggie: Grumpy Rumblings presents Monday money: Be nice. (charitable giving), and says, “Nicole and Maggie discuss their favorite charities and some they dislike.”

Roshawn Watson from Watson Inc presents 4 Things to Stop Doing with Your Finances, and says, “Often personal finance writers discuss what we need to do, but here are 4 disastrous behaviors to stop doing with your finances.”

Eric J. Nisall from DollarVersity presents Be Careful With Financial Advice Found Online, and says, “You need to be careful online–there are no laws forcing people to reveal their true identities qualifications when dispensing advice on the net.”

Julie from The Family CEO presents The Top Three Things I’ve Sold Online, and says, “These are the top three things that I have sold online that were big wins for me!”


Thanks for a great carnival!

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About LaTisha

"Money is a tool. Use it to get where you want, but don't let it control you."- LaTisha

Author, motivational speaker, entrepreneur. Love to laugh and make others laugh. Focused on helping you build success and stay motivated along the way. Start investing now and let’s build wealth together.

  • Harri @ TotallyMoney

    Big thanks for the TotallyMoney mention!

  • Shaun @ Money Cactus

    Well done getting the carnival together, it certainly is a big list these days! Thanks so much for including my article too.

  • Roshawn @ Watson Inc

    Thank you for hosting and for including my article on what to stop doing with your finances.

  • Glen Craig

    Thanks for hosting this week!

  • Ashley @ Money Talks

    Editors pick! Thanks so much!

  • SB @ One Cent At A Time

    Thank you for including me

  • Tim @ Faith and Finance

    What a list! Props for putting it together LaTisha!

  • The Jenny Pincher

    Thanks for including me!!!

  • Flexo

    Thanks for hosting!

  • Big Cajun Man

    Thanks for the inclusion, great Carnival!

  • Briana @ 20 and Engaged

    Thanks so much for including me!

  • Paula @ Afford Anything

    Thanks for including me!!

  • Aloysa

    Thank you for including me!

  • JP @ Novel Investor

    Thanks for including my post.

  • Colin

    Thank’s for hosting, looks and reads great. First time as an Editor’s Pick, a nice way to close out the year. Cheers from down under

  • Bryan

    Thanks for the inclusion!

  • Jacob @ My Personal Finance Journey

    Thanks for hosting and including my article!

  • 101 Centavos

    Wow, what a great roundup. Good editorial comments, and thanks for having my post on negotiation as an editor’s pick.

  • Paul @ The Frugal Toad

    Thanks for the mention!

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