Hi All, welcome to the Money Pros Summer Time Carnival

Hank @ Money Q&A writes Not Sure Which Business Is Right For You? – you may be unsure as to the specific type of business you’re going to start. Deciding which business is right for you can be made a little easier with planning.

Mike @ Personal Finance Journey writes Are Your Paper Books Costing You More than eBooks? – With the spread of handheld devices including electronic readers, is it financially wise to still buy paper books?

Crystal @ Married (with Debt) writes My Cousin Thinks I’m Cheap – Have you ever gotten into a fight with a family member over money? I did, and it may have cost me a relationship with a cousin who lives overseas.

Mr. Frenzy @ Frenzied Finances writes Cultural Spending: Finance Etiquette Around the World – Traveling? Financial customs in different countries can be a lot different than those of your own. Read here for more information on cultural etiquette.

Don @ MoneySmartGuides writes Benefits Of Online Education – There are many benefits to online education. The one I found most enjoyable was the flexibility it offered. Learn more about online education here.

IMB @ Investing Money writes Europe Goes to Negative Interest Rates-Investors Beware – Europe’s going to “Negative Interest Rates.” Negative interest rates go below zero. The new rate will be (minus) -.1%. What does all this mean? Read here.

SavingMentor @ How To Save Money writes The RDSP: IF You Qualify, Don’t Leave Money On The Table – At the start of 2009, Canada’s financial world experienced a tremendous buzz when the Tax Free Savings Account was rolled out. But just one month earlier, there was another program unveiled that has not been given its proper due. If you’re eligible for it and you haven’t acted on it yet, I encourage you to read on.

Kyle @ The Penny Hoarder writes 4 Crazy Money-Making Ideas: Have You Tried Any of These? – Sometimes the craziest ways to make money end up being the most effective. Here are four interesting ways to make a buck. Have you tried any of them?

Dominique Brown @ YourFinancesSimplified writes Why We Have So Many College Educated Under and Unemployed – The bad news just keeps on coming! Recently, we learned that economic growth for 2014’s first quarter is in negative territory-negative 2.9% to be exact.

CAPI @ Creating a Passive Income writes Higher Management: What Big Business Moves Can Teach You About Running Your Life – Many of life’s lessons can be learned from leaders. We can learn these lessons even at work, from those who are in our higher management.

Debt Guru @ Debt Free Blog writes How to Open an IRA Without Pesky Fees – IRAs often come with pesky fees that drive us crazy. Is there any avoiding this? Read here for all the tips you need on IRAs.

Ted Jenkin @ Your Smart Money Moves writes Five Cheap Things To Do With Your Kids This Summer – If your children aren’t off at camps or their job is only part time, a few weeks into summer they might just be driving you up the wall.

Wayne @ Young Family Finance writes Travel Spending: Yet More Tips to Save Money on Vacation – Going on vacation? Read here! We touch on some more tips to save money on your vacation for your young family.

SBB @ Simple Budget Blog writes eDating: How to Budget Online Relationships – Looking for love via computer? Here are some tips on how to budget your time and money for online dating.

Mrs. Accountability @ Out of Debt Again writes Why Can’t We Just Print More Money? – Did you ever wonder why countries or people for that matter, can’t just print more money? With today’s printers becoming so sophisticated, it’s a wonder more | Out of Debt Again

Don @ Money Reasons writes The Young Entrepreneurs of Finance and Trading – Young entrepreneurs of finance and trading are everywhere! Read about these new finance and trading entrepreneurs!

Emily @ Evolving Personal Finance writes Why We Aren’t Contributing to Our New 401(k) – For the first time, we have access to a workplace-based retirement plan. But we’re not going to sign up because we have enough contribution room in our IRAs this year.

Harry Campbell @ Your PF Pro writes Update: Racking Up 100,000 Miles & $200 Cash with Loyal3 – I wrote an article a few months ago about a new company called Loyal3 and how you can use a credit card to purchase stocks for free. Now I don’t really invest in many individual stocks due to the uncompensated risk, but I do like exploring new ways of ‘manufactured spending’. MS as it’s known in the travel hacking industry is the technique of spending money on a credit card without actually spending the money. Sometimes there are fees associated with certain MS techniques but the best

Mr. 4HWD @ The Four Hour Work Day writes Building a Side Income? You Need a SEP IRA – Have you chosen to balance your time with a “best of both worlds” approach to employment and entrepreneurship? This means you’re holding down a full-time job working for someone else while running a side hustle or side business in your off hours.

Maria @ The Money Principle writes Staying annoyed screwed me out of a fortune or how to spot and create (business) opportunities – Limited employment and backward education systems mean that learning to create income by spotting and creating opportunities is vital.

David @ Financial Nerd writes The economic pendulum shifts back to advanced countries – The economic situations in the United States and Europe is improving while the economic growth in the emerging markets and the BRIC countries is slowing down.

Jerry @ Motive Finance writes How to Tell What (Auto Loan) Interest Rate You Deserve – Estimating the interest rate you’ll be charged when buying a car is more difficult than estimating your mortgage rate, as there is less data available. What’s more, most lenders use an industry-specific credit score not available to the public. We look at how to overcome these obstacles and find out what rate you deserve.

Thomas @ i need money ASAP! writes 21 “I Need Money Now” Ideas – Ok. So you need money asap. You need money fast. You need money now! Here are 21 ideas for you to get money in a hurry.

John @ firststep finance writes Your Personal Finances Don’t Get Better Without Action. Get Going With These Tips! – You want to buy all the nice things in life, right? A nice home and car is within your grasp if you learn to handle your money. This article will help you improve your financial situation and help you manage money better. You need to select a broker you can trust when you start to work on your personal finances. Ask for references and be sure that your feel comfortable communicating with them. Being a beginner means you’ll have to take extra care to find a broker who understands your personal

Maria @ The Money Principle writes Staying annoyed screwed me out of a fortune or how to spot and create (business) opportunities – Limited employment and backward education systems mean that learning to create income by spotting and creating opportunities is vital.

Alexa @ Defeat Our Debt writes Should You Take a Vacation if You’re in Debt? – Your debt is stressing you out. Work is stressing you out. And you just need a little break from the normal day to day grind.

Alexa @ Single Moms Income writes Case Study: Can You Make Money Posting Ads Online? – Have you ever wondered if those ads claiming that you can make $100 a day posting ads is legitimate?

Brad @ Enemy of Debt writes Why you should make your pension a priority – You’d be surprised what you can learn in the park while throwing a slimy tennis ball around.

Monica @ Monica On Money writes Broke and Bored? Have A Fun Summer Anyway – Summer used to be more exciting when I was in school and the end of exams meant some weeks off for vacation and fun in the sun.

Natalie @ Debt and The Girl writes The Dangers of Black and White Thinking – I have often done what I call ‘all or nothing’ thinking. This is when you have the tendency to think all one way or nothing.

Daniel @ Make Money Make Cents writes 4 Tips to Sell Your Home Fast – With the housing market looking troublesome and many people still tightening their budgets in the economic recession, finding the best buyers for your house can be tricky.

Thomas @ i need money ASAP! writes Financial Help For Single Mothers And Fathers – Being a parent can be stressful, let alone being a single parent. This post is dedicated to finding all the sources of financial help for single mothers and fathers.

Erastus @ Sprout Wealth writes Building Wealth Starts with Savings – You can’t build your wealth until you start saving your money. Here are some ways to start saving and where to keep your money earning more money.

Jeremy @ Modest Money writes 5 Surefire Ways to Cut Down on Traveling Expenses on Your Next Vacation – Cut the cost of traveling for your next trip by Exploring Your Options, Saving on Summer Travel with Coupon Codes, Accessing Special Discounts, and Earning Cash Back Rewards and by booking a Package Deal.

Erastus @ Wise Dollar writes Four Things to Look for When Buying a House – Buying a house can be a stressful time, making it easy to overlook many things. I share some of the things not to overlook in your home buying process.

Harry @ The Rideshare Guy writes How Much Did I Make Driving For Lyft & Uber on a Saturday Night in the OC/LA? – Even though I’m now a registered Uber and Lyft driver I haven’t had much time to drive for both platforms at the same time. I wrote about my first weekend doing both a couple weeks ago and the rides were overwhelmingly Uber. Even though I’m a part time driver, I really don’t have any set times that I like to drive though. I kind of just head out whenever I feel like it or whenever I’m bored.

Little House @ Little House in the Valley writes Setting and Sticking to Money Goals – This year, instead of making some savings goal that I couldn’t possibly achieve, I started small with a shorter time frame. And you know what? I’m meeting and EXCEEDING those goals!

Brock Kernin @ Clever Dude writes Warning: Inexpensive Adventures Are Hiding In Your Community! – We’ve lived in our community for 20 years and never new what adventures awaited us – we’re going exploring!

That’s all for now.

Welcome to the Spring Edition of the Money Pros Carnival!

It’s about time it’s finally getting warm in my area, it’s been very hash and I swear that it seems like half my neighborhood has packed it up and headed south permanently!  I don’t have enough money to do that, but every harsh winter I dream of doing so!

I’m tired of the scene below!  Bring out the sun and warmth!

And now for the good stuff!  I’m sure you’ll find some gems in the articles below!  Enjoy!

Don @ MoneySmartGuides writes 4 Ways Technology Costs Us Money – Technology is a great thing. But it can also be a bad thing. The worst thing about technology are the ways technology costs us money.

Michelle @ The Shop My Closet Project writes I spent $100 on a Party-Why I feel Good About It! – You’re judging me aren’t you? I feel your judgey eyes piercing me. You have debt Michelle, you’re supposed to be saving Michelle, what in the heck are you thinking Michelle? Well let me tell you some more information.

Dominique Brown @ YourFinancesSimplified writes Your Financial Relationships: How Much Should We Save? – How much should you save? Tricky question huh! While there is a lot of variance in the answer, I do my best to answer this daunting question!

SavingMentor @ How To Save Money writes A Complete Guide To Price Matching In Canada – When my first child was born, my wife and I agreed that a digital camera with video recording capabilities was in order; we wanted to be those parents who post embarrassing home videos of their kid on Youtube. I did some research and settled on a Canon model which could take videos in high definition.

Crystal @ Married (with Debt) writes 6 Reasons I’m Spending $6,000 on a Vacation – I feel like I’m out of touch with money. It is through that lens I ponder whether it’s totally normal to spend $6,000 on a vacation.

Kyle @ The Penny Hoarder writes How to Legally & Ethically Sell Your Body for Extra Cash – Did you know that there are a ton of legal & ethical ways to use your body to make some serious extra cash? We’ve got a run down of all the specifics…

Mrs. Accountability @ Out of Debt Again writes What One Thing Do All MLM’s Promise? – Multi-level marketing companies all make promises. This is one they seem to be fond of making. Whether the promise is kept will depend on the person joining.

SBB @ Simple Budget Blog writes How to Avoid the Budget Blues – Got a case of the budget blues? Here’s how to stop yourself from halting the way you budget.

CAPI @ Creating a Passive Income writes The Aggression Route: A Financial Strategy – If a person does not mind doing some work, they need to switch to an aggression investment strategy.

Roger the Amateur Financier @ The Amateur Financier writes 5 Ways You Should Invest Your Tax Return – With tax season just around the corner, it’s time to start thinking about what to do with the cash you’ll soon be receiving on your tax return. While buying a new car or indulging in an exotic vacation may be tempting, spending your tax return money today won’t help secure your financial future tomorrow.

Crystal @ Budgeting in the Fun Stuff writes Budget Friendly Movie Night! – Have you considered a budget friendly movie night, if not, read on.

Mike @ Personal Finance Journey writes The Real Financial Cost of your Own Car Versus Public Transport – Have you ever really looked at the whether you can save money via public transport over owning your own car or just assumed that’s the case?

Tony @ We Only Do This Once writes The Health Benefits of Running – Are you aware of the health benefits of running? If not, check this article and learn about the paybacks.

Maria @ The Money Principle writes Who Earns More: Commercial Landlords or Property Investors? – Commercial landlords vs. property investors: the battle is on.

Wayne @ Young Family Finance writes Why You Need to Get Out of Debt – The main reasons why getting out of debt is a priority.

Debt Guru @ Debt Free Blog writes Smart Phoning: How to Save Money On Your Next Cell Phone – Looking for a new cell phone, but afraid of the costs? Read for tips on shopping smartly for your next cell phone.

Lauren @ L Bee and the Money Tree writes I’m Now Obsessed With My Quarterly Financial Goals (Q1 2014) – For, I know I need to break down my yearly goals into bite-sized, more manageable chunks, thus my quarterly financial goals.

IMB @ Investing Money writes Markets React to Crimea Vote – The conflict in Ukraine has caused Putin to mobilize troops and obtain Crimea for Russia. How the world markets are reacting is significant.

Hank @ Money Q&A writes Win a Free Toshiba Chromebook from Money Q&A and CouponPal!! – Money Q&A is teaming up with the guys at CouponPal and a couple of other bloggers to giveaway a free Toshiba Chromebook to one lucky reader!

Ted Jenkin @ Your Smart Money Moves writes The Biggest Financial Mistake People Make During Divorce – Divorce can often bring about tumultuous times for a family. Sometimes they can go very smooth and others can literally be the ‘War Of The Roses’.

Mario @ Adventures in Frugal writes Try The World sends your taste buds on a trip around the world at a fraction of the cost – I interview David Foult on Try the World, which sends subscribers a box filled with hand-picked gourmet foods from a different city around the world every other month, along with tips on things to do in the city as well as movie and music recommendations to put on while you’re enjoying the snacks.

Emily @ Evolving Personal Finance writes Why Harvey Mudd College Tops the Payscale ROI Rankings – The reasons that Harvey Mudd College is #1 on the PayScale ROI rankings tells you more about what kinds of graduates earn high salaries than anything about the quality of Mudd’s education.

Daniel @ Make Money Make Cents writes Retirement Fund Sustainability | Will My Retirement Monies Run Out On Me? – Retirees are savvy individuals who have already put in the time and effort to develop their nest-eggs.

Oscar @ Money is the Root writes Thousands of Americans Ripped off by Tax Fakes – Since last August, when fraudsters began a phone scam targeted at Americans nationwide, thousands of individuals have been ripped off according to the US Internal Revenue Service’s watchdog, the TIGTA.

Jay @ Daily Fuel Economy Tip writes Fuel Economy Tips for Hybrids Cars – We have written plenty of blogs about fuel economy tips for regular cars but this is our first for Hybrid cars.

Danielle @ Saving Without a Budget writes Tips for Buying in Bulk – No matter who you are, a trip to the grocery store almost always ends the same way; you end up spending way too much.

Matt @ Budget Snob writes Who needs an Emergency Fund? If these things happen, you do. – If you have been an adult for any length of time you know that life is full of surprises, some good and some, well, not so good.

Jack @ Money Saving Ethics writes Accelerating My Retirement | How Can I Retire Faster? – There are definite methods to accelerate retirement. There are tips, tricks, plans and procedures to engage that can shave loads of time off your retirement age, but you have to understand some rather bleak facts first.

Amy @ Money Mishaps writes Organization is the Key to a Less Stressful Divorce – Frankly, getting divorced usually means a lot of difficulty and emotion. We can’t really help you with the emotional side of divorce, but when it comes to reducing your stress financially, we can tell you that being prepared and organized is one of the best ways to do it.

Lenny @ Best Money Saving Blog writes Obama’s New Budget Proposal Bad News for Consumers Unprepared for Retirement – Experts are saying that the budget for 2015 proposed by President Obama will be an absolute disaster for millions of Americans who are not fully prepared for retirement.

Hadley @ Epic Finances writes What’s the secret behind top-performing mutual funds? Just ask Joe Huber – When it comes to owning mutual funds, nearly half of the households in the United States own them today, according to the Investment Company Institute.

Andrea @ So Over This writes How to Get the Best Deal on a New Car – Last fall I helped a friend buy a new car. Here are some of the things we did to ensure that she didn’t get the runaround or wind up with a lemon.

Lily @ Paying Debt Down writes Tax Fraud due to Identity Theft on the Rise – How to Protect Yourself – It was recently reported that billions of dollars are being stolen every year by identity thieves filing fraudulent tax returns.

Taylor @ Trendy Cheapo writes How to Cut the Crap and Start Saving Right Now! – Bootstrap advice on how to start saving money right away.

Katie @ IRA Basics writes The Secret of Saving for Your First Deposit – Are you ready to become a homeowner and do not fancy a no-deposit home loan? Then the biggest obstacle standing in your way is the first deposit or down payment.

Sam @ The New Business Blog writes Creating a Stylish, Practical and Attractive Catering Establishment – Any catering business understands the Health and Safety requirements to keep all their fresh products properly refrigerated.

Marissa @ Thirty Six Months writes Tips to Make Your First Real Estate Investment a Success – Most of us do not really think of accumulating investment properties. It is just not something that we are programmed to do, but it is an area that more GEN Y should start taking seriously.

Justin @ Edward Antrobus writes Why the Wealthy are Suddenly Fond of Using Pawnshops – While banks everywhere have started frowning on assets that are not quite liquid, there is a boom underway in high-end pawnshops.

Aaron @ Aaron Hung writes Why an IRA May be Better than a 401(k) – With a 401(k) plan you are limited to the mutual fund choices that your employer offers but with an IRA you suddenly have access to exchange traded funds (ETFs) and stocks.

Monica @ Monica On Money writes Life Happens (Have a Plan!) – This month I have focused on writing about being prepared for the unexpected. We all know that Life Happens, and usually when we are already busy and stressed.

Natalie @ Debt and the Girl writes Victims of Circumstance or Something More? – I have always been a big fan of doc type shows like True Life (the only good show left on MTV) that let you peer into the life of someone else.

Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.

Sustainable PF @ Sustainable Personal Finance writes Is the New Freelance Economy Such a Bad Thing for You? – One of the trends becoming apparent following the recent global financial crisis and worldwide recession is that the new economy is likely to be a freelance economy.

Charles @ Getting A Rich Life writes How To Travel For Free: Game Changer – Earlier this year when a family emergency came up I only had enough miles for a free plane ticket from Hawaii to the mainland.

Cat @ Budget Blonde writes Saving on Baby Expenses During the First Year – As a mother of four kids, I have learned a lot about what needs to be spent, and what does not need to be spent, as you are raising your kids.

Gretchen @ Retired by 40! writes My 7 Best Financial Moves – I’ve done many things wrong. What have I done right?

Bryan @ Gajizmo.com writes Best Business Schools For An MBA – 2014 – MBA programs are back in style again as the economy heats up. If you are considering a top business school program, which one offers you the highest chances of being accepted? Check out our guide on finding the best MBA schools and their stats.

Bryan @ DebtRoundUp writes Life Insurance Premiums – What Factors Affect Rates? – If you’re thinking about buying life insurance in 2014 or beyond, it is important to know what factors may affect your rates in the future so you can minimize any negative effects in advance. Check out this guide to learn about the factors that affect life insurance rates and how you can get the lowest premiums from the best companies.

Little House @ Little House in the Valley writes Best Cities to Live on an Average Income – As a median income earner, I’d definitely like to get more for my money. Though I’m not quite ready to pack up my things and head on over to Denver or Charlotte, these are definitely cities I’ll continue to keep my eye on as I think about possible relocation.

Evan @ The Smaller Dollar writes Why You Should Open an IRA – You should open an IRA because you control it without having to go through an employer, you have a limited amount of lifetime space available to, and government policy makes the IRA an incredibly attractive wealth building vehicle.

Nell Casey @ The Million Dollar Diva writes How Much Should You Spend On Your Hobby? – Spending and investing for the future is important. But it’s also important to send aside money for things that make you happy today. If you have a hobby, costs can quickly spiral out of control so it’s important to be smart with your budget to make sure you maintain a balance between your current and future happiness.

Jerry @ Repaid.org writes The Heartbleed Bug: How to Protect Yourself from Credit Damage – With such sweeping access to the world’s log-in and password information, many of us are wondering what we can do to protect ourselves from credit problems related to identity theft.

Dorethia Conner @ The Money Chat writes How to Protect Your Credit During Divorce – Getting a divorce? Here are some simple tips that you can use to preserve the credit rating that you’ve worked so hard for

Erastus @ Sprout Wealth writes How to Start Investing in the Stock Market – Investing in the Stock market is vital to building wealth though can be overwhelming for those just begging. Following these few simple tips, you can start investing confidently.

Jeremy @ Modest Money writes Realizing the Importance of Side Income – Building up a full side business might not be for everyone, but it’s worth considering if you’re struggling to get ahead. If you can fit in the time, pretty much everybody has the ability to bring in extra income one way or another.

John @ firststepfinance writes 9 Things To Remember When Buying Life Insurance – Of course, dying can happen at any time, unfortunately. You need to make sure that your family will be taken care of, and not left destitute and devastated. This article can help you make important decisions about life insurance. Take your family’s specific needs into account when determining what kind of life insurance you need. Each person will have different individual needs that need to be taken into consideration in case of a family member’s death. When something like this does happen,

Thomas @ i need money ASAP! writes Busking For Money – Busking for money is easy if you have a talent to share. Do you know how to play an instrument? Make people laugh? Do you have any unique skills like juggling, magic, sleight of hand? Are you artistically gifted? Then busking could be the solution if you need money asap.

Mario @ Debt BLAG writes Financial literacy gave me hope! – Facing a daunting debt paydown, I thought I didn’t have a chance; financial literacy gave me the hope I needed to power through.

Mr.CBB @ Canadian Budget Binder writes The money box inspired my passion for finance – The money-box I had as a child is a memory that has inspired my love for finance which has continued to broaden as I get older.

Stephanie @ Six Figures Under writes Teaching Kids Through Debt – For us, it’s not just the two adults sharing the load of (what used to be) six figures of debt. We have the kids involved too. This becoming-debt-free thing is a family affair. Here are some of the ways we involve the little ones!

See, not to shabby huh!

I’ve missed a lot of things, especially opportunities finance related and otherwise.

Part of not missing things, especially financially is gaining as much knowledge as you possible can.  A great way to gain knowledge is making friends and reading as much as possible.  Blogging provides a personal perspective on personal finances, then the word “personal”.

So enjoy this weeks carnival of personal finance bloggers:

Dominique Brown @ YourFinancesSimplified writes Taxes and You: Go Cheap or Go Pro? – Yep, it’s that time again, that jolly season where we desperately hunt for paperwork, receipts and statements, the dreaded (by some) tax season. Time to fire up that calculator in the bottom of your desk drawer or head off to Staples to pick up a copy of Turbo Tax. Or should you?

Debt Guru @ Debt Free Blog writes Be Prepared: What to Do After Losing a Loved One – Losing a loved one is traumatic. Regardless of who they are, this is never an easy time in your life, but there are important steps to take after such a loss.

Crystal @ Married (with Debt) writes Baby Budget: How to Start Saving for a Baby – Learn what to expect financially when you’re expecting. Planning a baby budget and saving for a baby early can help you be better prepared for the expenses of raising a child. Open a money market account or certificate of deposit to get started today.

Maria @ The Money Principle writes Do you have what it takes to be a strategic saver? Take the test! – You need to be a strategic saver to win the Game of Wealth. Do you have what you need? Take the test and see.

Mr. Frenzy @ Frenzied Finances writes Finance Fast: Having a Successful Yard Sale – Are you in need of some quick cash? One of the best ways to earn some extra finances is to have a yard sale.

Wayne @ Young Family Finance writes 5 Ways to Budget for a New Car – Purchasing a brand new vehicle is exciting, but it’s also rather expensive. Instead of spending all of your savings on this car, follow these tips to ensure you receive the best price possible.

Suba @ Broke Professionals writes Quit the Gum! – How I stopped using nicotine gum after 8 years of chewing and $6000 worth of dental crowns for cracked teeth.

Crystal @ Budgeting in the Fun Stuff writes 7 Financial Lessons from “Good Burger” – I hung out with my Little Bro’ from Big Brothers Big Sisters last night and he chose the Netflix movie for our evening – “Good Burger”.

Mrs. Accountability @ Out of Debt Again writes Did I Ever Tell You About the Time We Ate Dog Food? – Why would someone eat dog food? We’ve all heard stories about elderly people who are so poor and desperate that they would eat canned dog or cat food.

Don @ MoneySmartGuides writes How To Make Extra Cash – Do you want to know how to make extra cash? Who doesn’t? This post lists easy ways to make extra cash without a lot of effort. It’s the best of both worlds!

Roger the Amateur Financier @ The Amateur Financier writes 8 Ways to Keep Toddlers Entertained on Trips – A guide to methods for keeping your children, particularly toddlers while trying to travel, focusing on games, music, artwork, sites, and sleep.

Tony @ We Only Do This Once writes 5 Crazy Ways Credit Cards Ruin the Cash Culture – With the ease and convenience, not to mention the safety of using credit cards, it is easy to see how credit cards ruin the cash culture.

Mike @ Personal Finance Journey writes The 8 Most Common Car Insurance Myths – Will believing in car insurance myths help you save or not?

Kyle @ The Penny Hoarder writes How to Sell Your Old Phone for the Most Amount of Cash – A few months ago I published my guide on how to escape the paycheck-to-paycheck lifestyle. A lot of you emailed me to say you loved the monthly goals and action steps, but told me that I missed one of the easiest ways to build your emergency fund – selling your old crap.

IMB @ Investing Money writes Investing in Solar Stocks – The solar energy sector has been growing steadily as a need for new sources of power grows. Now, solar energy stocks are a growing investment option.

SBB @ Simple Budget Blog writes Falling in Love With Your Finances – Getting financially frustrated? Here’s how to fall in love with your finances instead of hating them.

SavingMentor @ How To Save Money writes Aeroplan Credit Cards Comparison – Helping you understand and choose the best Aeroplan credit card on the market. Take advantage of the significant sign up bonuses and fly free faster!

Don @ Money Reasons writes Why It’s Wrong When Billionaires Try To Destroy Companies – Can and will Billionaire Bill Ackman start to destroy companies and jobs. I think it’s wrong when Billionaires Try To Destroy Companies and here’s why.

Lauren @ L Bee and the Money Tree writes It’s Worth the Spend: When You Should Be Totally Okay with Spending Money – Some things in life are worth the money. Sometimes, we should avoid beating ourselves up for not saving and be totally okay with spending money instead.

Hank @ Money Q&A writes Affordable Home Insurance Checklist – Are You Paying too Much? – First time buyers and existing homeowners alike can benefit from a few practical steps in purchasing homeowners insurance. Here is a home insurance checklist to get started.

Marissa @ Finance Triggers writes Quirky tips for conserving cash – Here are a few quirky tips for saving some cash. Read on to find out how you do not have to turn your life inside out to gain control of your finances.

Ted Jenkin @ Your Smart Money Moves writes Five Financial First Time Homebuyer Mistakes – In all of the financial transactions we make in our lives, there are few that pale in comparison to the excitement of making the purchase of your first

CAPI @ Creating a Passive Income writes College Past 22? Why It Might Not Be Too Late – Whether a student is 18 and thinking of postponing or 22 and thinking of attending college for the first time, here are a few things to think about.

Kurt Fischer @ Money Counselor writes Couple Sacrifices for 5 Years, Retires $109,000 Credit Card Debt – Think you have a lot of credit card debt? Meet Travis and Vonnie. After 5 years of sticking to their plan, the couple erased over $100k in credit card debt.

Emily @ Evolving Personal Finance writes Why We’re Holding on to My Student Loans – Despite Suze Orman’s condemnation as the most dangerous type of debt, I see many advantages to keeping my federal student loans longer than necessary.

Adam @ Stop Worrying About Money writes Day 13 – How To Identify Quality In The Products You Buy – Today, we are going to be talking about the term quality,”and what it means for the products we buy.

Charles @ Getting A Rich Life writes What It Means To Be Poor In America – There is a fascinating article I found on Frugaling about a poor person who wrote about why she made bad decisions. She explains why she smokes, eats junk food and has several kids by several different fathers.

Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.

Natalie @ Debt and the Girl writes Spending Money to Save Money – Driving down an LA surface street to go to my friend’s house, that dreaded feeling came over me at a stoplight. My car was kind of doing this weird shaking thing.

Justin @ Edward Antrobus writes Considering ETFs? Here’s How to Get a Good Deal – ETFs can be purchased practically anywhere you can buy a stock, either through a broker, or a brokerage account.

Marissa @ Thirty Six Months writes Simple Strategies for Prioritising Your Debts – Most of us have debt in some form; that is a fact of life. It is important to have a goal to pay back any debt owed, but it is just as important to know which debts should be paid off first.

Sam @ The New Business Blog writes Fastest Ways to Build Debt Straight Out of High School – Graduating high school is a big milestone in life. It is an exciting time that often makes young adults feels a bit of freedom.

Bob @ Dwindling Debt writes Protect your Tax Refund from Identity Thieves – What could be worse than having to file your taxes this year? How about having an identity thief steal your tax return check?

Lily @ Paying Debt Down writes A Few Reasons that Investors like ETFs – In recent years, ETFs have become much more popular and are actually gaining against some other, more mature mutual funds. The reasons for that gain in popularity are explained below.

Andrea @ So Over This writes Rocky Balboa Invented CrossFit Training – I have prided this site on being a good mix between topics on life, and on finance. Fortunately for me those two topics often collide.

Hadley @ Epic Finances writes Which Bond ETFs are Doing Well so Far in 2014? – It is well-known among investors that US equity markets have gotten off to a pretty rough start here in 2014. Because of that being the case, there is much higher interest in fixed income securities resurfacing this year.

Lenny @ Best Money Saving Blog writes How to Cope With Overspending – There are many reasons for overspending. Some people do it because they are insecure and use possessions as comfort objects. Others use acquiring new things as a quick pick-me-up if they are feeling a bit low.

Amy @ Money Mishaps writes Have a childhood savings bond? Here’s what you can do it – Although it was not always a welcome gift, many children got savings bonds for birthdays and other holidays. The goal behind them, in most cases, was to have something ready when it was time to pay for college.

Jack @ Money Saving Ethics writes Is the myRA destined to be a misguided, bureaucratic nightmare? – Critics are already lining up to deride Pres. Barack Obama’s new retirement account, the myRA, saying that it will do almost nothing to help the working poor is destined to become another bloated bureaucratic system that will waste of taxpayers’ dollars by the billions.

Matt @ Budget Snob writes Should you consider refinancing a student loan? – One of the biggest debts that the average American has is their student loans from college. Recently there has been a lot of talk about refinancing a student loan. We look at a number of different factors that you should know about before making a decision on whether to do this.

Danielle @ Saving Without a Budget writes Most in US Have No Savings to Speak Of, Unfortunately – The average American continues to struggle when it comes to saving money due to problems like prolonged unemployment, underemployment and stagnant wages.

Oscar @ Money is the Root writes What Do Americans Really do with Their Tax Refunds? – Surprisingly the IRS has already issued over 31 million refunds in 2014 and the average refund so far is $3200. Despite their best intentions however, the average American finds it quite difficult to save that money.

Daniel @ Make Money Make Cents writes Where exactly IS the Best Place to Retire? – If retirement is approaching for you and you are planning on making a move to spend your golden years in an area of the world where you can stretch your budget, a new report says that you should be taking a good look at Europe.

PFC @ PF Carny writes Does Couponing Really Save Money? – Depending on how you do it and how into it you get, it can be either bad or good. Does couponing really save you money? It can, but it can also cost you money at the same time.

Jen Perkins @ Master the Art of Saving writes 10 Ways to Save More Money (Even If You Don’t Want To Be A Couponer) – Couponing for the last 5 or 6 years has taught me many things. Things I never really paid attention to before I started using coupons. Since not everyone is interested in learning about coupons or even extreme couponing, I thought I would share some of my enlightenment with you all.

Jen @ Prepping is Sexy writes Food Insurance: Keeping Your Family Fed – I can’t be the only one noticing the skyrocketing prices everywhere. Products, both food and non-food items just keep getting more expensive. So what can you do? How can you ensure that your family will be able to eat if this continues?

Mario @ Adventures in Frugal writes Plan out your next job (or three) while happy in your current one — a personal finance goal for March 2014 – Don’t wait until you’re miserable or jobless to look for your next position

Little House @ Little House in the Valley writes Do You Need a College Education to Make a Decent Salary? – There are plenty of jobs out there that require no more than an associate’s degree, or two years at a local community college at a fraction of the cost, and pay hefty salaries compared to jobs that require a lot of college (hmmm..teaching, anyone?!) and don’t pay nearly as much.

Shannon @ Financially Blonde writes Investing Fear Factors – As a financial advisor, I have seen many fear factors that prevent people from investing as much as they should. These are the top four fear factors I see and ways that you can overcome these fears.

GYF @ Gaming Your Finances writes Our Savings Rate Was… !!! – We calculated our savings rate for the last year. This is something we’re really interested in because that will tell us exactly how long until we reach early retirement! Follow the link to find out what our savings rate was in 2013.

Andrew Pohl @ Finance with Reason writes Prospect Theory: Do you sell winning investments too early? – Answer these two questions to find out if you may be cutting your investment gains short by selling stocks too early and learn how prospect theory can help.

Harry Campbell @ Your PF Pro writes The Ultimate Guide to Understanding Your 401(k) – When I started this site back in 2011, it was only a hobby. I didn’t ever expect to gain the following that I now have or turn it into a viable business but that’s what it’s become. Over the years, I’ve picked up a ton of knowledge about topics ranging from investments and credit cards to budgeting and creating multiple sources of income. But the real reason why I started this blog was so that I could share all that information with anyone willing to listen.

Brock Kernin @ CleverDude writes Success Is All About Choices – Given the same opportunities, people can choose very different paths – choose wisely!

Marvin @ Brick By Brick Investing writes Outline On How To Buy Municipal Bonds – A quick and detailed description of how to find and buy Municipal Bonds.

And there you have it.  I hope you found some value in things that you might have missed from a finance perspective.

Thanks for reading.

As I fearlessly create this carnival, I hope that you enjoy it.  Unlike the original carnival host, I picked this carnival up and saved it from the scrap heap!  I hope you enjoy my late but fearless act in saving these great articles!!!

And now it starts…

Harry Campbell @ Your PF Pro writes A Review of the Big Short by Michael Lewis – Before I read The Big Short by Michael Lewis, I had no idea what credit default swaps and collateralalized debt obligations(CDO’s) were. But Lewis does a great job explaining what went on during the years leading up to the subprime mortgage crisis and where it all went wrong. I always knew that the economy got royally f’d by the housing market in 2007-2008 but I never really knew why until reading this book. I was in college during 2004-2009 and the economy was really the least of my worries!

Mike @ Personal Finance Journey writes Landlords Insurance and why it is the Smart Financial Move – How taking out the right insurance can be important as an investor in tenanted properties.

Debt Guru @ Debt Free Blog writes IRS Issues: How to Deal With Being Audited – Each year, more find themselves facing an IRS audit for back tax returns. Just about everyone is subject to being audited at one point or another.

Tony @ We Only Do This Once writes What’s My Credit Score Calculator – If you want to know your credit score, but you don’t want to pay for it, you can use a credit score calculator or estimator.

Mrs. Accountability @ Out of Debt Again writes Do This One Thing First Before You Get Into Multi-Level Marketing (MLM) – This is a True Confessions post, one wherein I bare my soul and most embarrassing financial moments.

Hank @ Money Q&A writes How You Can Budget With A Credit Card – My wife and I budget a little differently than most families. We budget with a credit card. We use a credit card for most of our purchases instead of cash and monitor our family’s monthly spending.

SavingMentor @ How To Save Money writes Babies Are Free??!! – When I asked a friend how much I should save for a baby’s first year, her answer took me by surprise. She said her baby was essentially free. Free??!! The Globe And Mail estimates that we need approximately $8,000 for the first year alone, which is a much higher amount than “free”. Free in terms of the cost of a new baby is just impossible.

Crystal @ Married (with Debt) writes Credit Score Curiousity – I monitor my credit score 3 times a year. You can access your free credit report from 3 bureaus once per year, so simply check one every 4 months.

Lauren @ L Bee and the Money Tree writes 4 Financial Mistakes that Weren’t….. – We all make mistakes. We also all make financial mistakes. Trust me, I read a lot of personal finance blogs and have met some of the titans in the industry, and no one is perfect. With my birthday (March 10th!) just around the corner, I have been in a very reflective mood of late.

Wayne @ Young Family Finance writes Class Trips: Fundraising Ideas for Your Child’s International Adventure – Class trips these days are to places like London and Costa Rica instead of the local beach. Here are a few fundraising suggestions to raise money for these one-in-a-lifetime adventures.

JP @ My Family Finances writes Saving Money in the Kitchen – Here are a few homemade tips for saving money in the kitchen.

Ted Jenkin @ Your Smart Money Moves writes Is It Worth Going To Conferences? – When you work for a large corporation, you don’t have much of a choice about whether or not you go to the company conference.

Roger the Amateur Financier @ The Amateur Financier writes Net Worth Update: March 2014 – A guide to my personal finance at the start of March 2014, listing my investments, savings, and debts, as well as notes on my personal situation.

Dominique Brown @ YourFinancesSimplified writes Oops, They Did it Again, Mortgage Servicing Companies Gone Wild! – Should we have seen this one coming all along? Perhaps, but even so the size of this growing problem is starting to look like scenes from the movie Wolf on Wall Street. What the…? Here is what’s going on.

Brent @ PersonalFinance-Tips writes How to Avoid Continuous Scrutiny from the IRS – One thing that can certainly spell hard times for any business is an audit from the IRS. Thankfully, with some hard work and due diligence, your business can comply with the law without any problems. Below are some ways you can allow your business to avoid continuous scrutiny from the IRS.

Maria @ The Money Principle writes Making Money for My Life: Ideas will Become Plans – Most personal finance is about spending less money; the fact is that sometimes people earn so little that the only way up is to start making money.

Don @ Money Reasons writes Why You Should Not Own Bitcoins And I Never Will – As a computer guy, there are the reasons why you should not own bitcoins and I never will.

Jacob @ AllPersonalFinance writes Tips for Keeping Track of Your Investment Earnings – There are a wide-range of investment opportunities out there. You can invest in cattle farms in Kansas, tech companies in China, a retail outlet in Germany, and a gold mine in Peru. Even with so many different investments, every investor is looking for a return on their investment.

SBB @ Simple Budget Blog writes I Do…the Budget: How to Save for a Wedding – Weddings can be very expensive. Here’s how you and your future spouse can budget the funds for a memorable wedding.

Don @ MoneySmartGuides writes 4 Basics to Consider When Investing in a Rental Property – Are you interested in investing in rental property? If you are just getting started with rental properties, then you need to know what to look for when

IMB @ Investing Money writes Investing in Agriculture Stocks – Thinking of investing in agriculture? There are several basic reasons why investing in agriculture stocks is sound investment. Read here for information.

Lindy @ Minting Nickels writes Can LinkedIn Be Harming Your Job Search? Key Mistakes That LinkedIn Users Make – When you want to network in your field, where do you go? LinkedIn boasts over 200 million users with an impressive 35 percent of all users logging into the service. Read these mistakes that many make when using the LinkedIn service.

Crystal @ Budgeting in the Fun Stuff writes Renewing Our AAA Membership – Read my views on AAA membership and why I renew ours each year!

CAPI @ Creating a Passive Income writes Planning Ahead: My Financial Bucket List – If you don’t have a financial plan, now’s the time! There are important financial tasks to get done, and you won’t be getting younger. Read here for help.

Mario @ Adventures in Frugal writes An open letter to every university Alumni Affairs fundraiser from a recent graduate, regarding strategy – A tongue-in-cheek letter to alumni affairs fundraisers questioning the strategy of asking poor, recent alumni to contribute

Thomas @ Finance Inspired writes Finance Inspired – Tackling and breaking down all aspects of finance! | Finance Inspired

JC @ Passive-Income-Pursuit writes Valuation of PepsiCo Inc. – The Long Case Looks Strong – PepsiCo recently released their 4Q and full year 2013 earnings so what better time to update our valuation and come up with a price target?

Emily @ Evolving Personal Finance writes It’s Nice When Money Can Fix Your Problems – I appreciate that money was able to fix a collossal mistake I made – instead of thinking of it as a stupid waste.

Richard Adams @ Frugality Magazine writes 14 Proven Ways To Pay Less Rent – Did you know that the average American spends 27.8% of their monthly income on housing? In the UK the figure is even worse – with Brits spending on average 43% of their income on rent. In other words, renting a property is expensive. Fortunately, though, there are solutions.

Adam @ Stop Worrying About Money writes Day 6 – Do 1% Better Today (And Every Day) – Today’s topic is a special one, because today’s topic is really the heart of this entire month-long project. Today’s task: Do 1% Better.

Charles @ Getting A Rich Life writes Why Try If The American Dream Is Dead? – For many the American Dream is dead, however it does not have to be that way. Working hard and determination is not enough to get ahead.

Sustainable PF @ Sustainable Personal Finance writes Do You Put Your Ideals Ahead of Your Pocketbook? – There are times when adhering to your ideals is cost-efficient. Not everything is like that, however. There are times when your ideals can cost you money.

Jason @ The Money Makers writes Selena Gomez: Can Child Stars Make It As Adults? – Selena Gomez is no longer the innocent yet rebellious Alex from Disney’s hit show Wizards of Waverly Place.

Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.

Natalie @ Debt and the Girl writes My Student Loan Debt Story – It is often discussed how much student loan debt a person has or carries. There are many tales of unfortunate circumstances where a hard working student is left with more debt than some people carry on their mortgage.

Monica @ Monica On Money writes 7 Better Ways To Spend Your Tax Refund – If you are getting a tax refund this year, it is time to make a plan on what to do with the extra money. Otherwise, without a plan, who knows where all that money will end up.

Aaron @ Aaron Hung writes Is it better to live Debt Free and pay the Mortgage with your 401(k)? – In the quest to become debt free people can sometimes make decisions that might negatively affect their future financial growth.

Marissa @ Finance Triggers writes Quirky tips for conserving cash – Here are a few quirky tips for saving some cash. Read on to find out how you do not have to turn your life inside out to gain control of your finances.

Sam @ The New Business Blog writes Basics about the new Home Office Deduction for 2014 – There is a new, simpler home office deduction this year that could very well save you a lot of time but, in most cases, it will not save you as much as money as the long form that everyone despises.

Katie @ IRA Basics writes The Secret of Saving for Your First Deposit – Are you ready to become a homeowner and do not fancy a no-deposit home loan? Then the biggest obstacle standing in your way is the first deposit or down payment.

Bob @ Dwindling Debt writes Protect your Tax Refund from Identity Thieves – What could be worse than having to file your taxes this year? How about having an identity thief steal your tax return check?

Lily @ Paying Debt Down writes A Few Reasons that Investors like ETFs – In recent years, ETFs have become much more popular and are actually gaining against some other, more mature mutual funds. The reasons for that gain in popularity are explained below.

Andrea @ So Over This writes Getting the Most Out of Your Children at Tax Time! – When it comes to school, grades and sports, all parents hope that their children will be a credit to their name. At tax time however, this can literally be the case.

Lenny @ Best Money Saving Blog writes How to Cope With Overspending – There are many reasons for overspending. Some people do it because they are insecure and use possessions as comfort objects. Others use acquiring new things as a quick pick-me-up if they are feeling a bit low.

Amy @ Money Mishaps writes Have a childhood savings bond? Here’s what you can do it – Although it was not always a welcome gift, many children got savings bonds for birthdays and other holidays. The goal behind them, in most cases, was to have something ready when it was time to pay for college.

Jack @ Money Saving Ethics writes Moving? Make sure you protect yourself, not just your furniture – Did you know that moving is consistently ranked as one of the top 5 biggest stressful events in a person’s adult life? It is true, but while moving is definitely bad enough, being scammed by your moving company is probably a bit worse.

Matt @ Budget Snob writes Should you consider refinancing a student loan? – One of the biggest debts that the average American has is their student loans from college. Recently there has been a lot of talk about refinancing a student loan. We look at a number of different factors that you should know about before making a decision on whether to do this.

Danielle @ Saving Without a Budget writes Most in US Have No Savings to Speak Of, Unfortunately – The average American continues to struggle when it comes to saving money due to problems like prolonged unemployment, underemployment and stagnant wages.

Oscar @ Money is the Root writes What Do Americans Really do with Their Tax Refunds? – Surprisingly the IRS has already issued over 31 million refunds in 2014 and the average refund so far is $3200. Despite their best intentions however, the average American finds it quite difficult to save that money.

Daniel @ Make Money Make Cents writes Where exactly IS the Best Place to Retire? – If retirement is approaching for you and you are planning on making a move to spend your golden years in an area of the world where you can stretch your budget, a new report says that you should be taking a good look at Europe.

PFC @ PF Carny writes Does Couponing Really Save Money? – Depending on how you do it and how into it you get, it can be either bad or good. Does couponing really save you money? It can, but it can also cost you money at the same time.

Jen Perkins @ Master the Art of Saving writes 10 Ways to Save More Money (Even If You Don’t Want To Be A Couponer) – Couponing for the last 5 or 6 years has taught me many things. Things I never really paid attention to before I started using coupons. Since not everyone is interested in learning about coupons or even extreme couponing, I thought I would share some of my enlightenment with you all.

Jen @ Prepping is Sexy writes Food Insurance: Keeping Your Family Fed – I can’t be the only one noticing the skyrocketing prices everywhere. Products, both food and non-food items just keep getting more expensive. So what can you do? How can you ensure that your family will be able to eat if this continues?

Jerry @ Mo Finance writes Which Used Cars are the Most Reliable? – In the market for a pre-owned car or truck? We look at which models are the most consistently reliable, once they’ve accrued a good bit of mileage.

Gretchen @ Retired by 40! writes How To Have a Frugal Eater – Plus Suggestions For Next Year – Excited for Easter, but have a little budget? Check out my suggestions!

Christopher @ This That and The MBA writes Repayment Option For the Borrower’s – Before taking a long term loan a person should find out which repayment facility is suiting him. For the repayment option banks have customized their terms as per the requirement of the clients. Let’s discuss the different type of repayment option a loan seeker can get.

Thomas @ Finance Inspired writes WHY YOU SHOULD KNOW MORE ABOUT YOUR PARTNER’S CREDIT WOES – Entering a new relationship can be wonderful and exciting. But it is one that comes with a huge responsibility as well, especially for two consenting adults. While it is easy to get blinded by love, it is oftentimes wise to first know more about your partner’s financial standing, especially if talks of marriage start floating in the air.

Simon @ strengthenyourshot writes Keep It Simple! Repair Your Credit With These Tips – Part 1 – There are a lot of ways to damage your credit score, from falling for a credit card scam to just being unlucky with the recent economy. Thankfully, there are methods in the below article that can help you mend this problem. If your credit is such that you cannot get a new card to help repair it, apply for a secured one. Most likely, a secured credit card will be easy for you to get, but you have to fund the credit account before you purchase so the bank knows that you won’t miss any payments.

Little House @ Little House in the Valley writes Second Quarter Goals – With a new quarter on the horizon, I’ve set new goals! I had to give myself a pat on the back for smokin’ my first quarter goals.

Mr.CBB @ Canadian Budget Binder writes Finances are more like moon phases: Net Worth update Feb 2014 – Like moon phases, our finances including Net Worth is constantly changing and this month is no different. There will always be ebb and flow in everyone’s finances, sometimes purely by the choices we’ve made.

Mark Ross @ Money Saving Dude writes 11 Ways You Can Do To Save Money While Traveling – Want to know how you can save money while traveling? Check this article right here, and know the different things you can do to save money while you enjoy your vacation.

And there you there you have it!

I’m starting out this blog with a rant…  I’m officially tired of winter!

As I see real estate signs of some of my wealthier neighbors pop up this winter (which is unusual because Spring it the house selling season), I have to wonder if they are headed down south to better warmer climates.  This year, that seems like a great idea!

Perhaps you’ll warm up to some of these great articles below…

Roger the Amateur Financier @ The Amateur Financier writes Fun Olympic Facts for Friday – A short list of some interesting and fun facts related to the Olympics and the Sochi Olympics in particular, to start the games off right.

Jacob @ AllPersonalFinance writes Bogged Down With Debt? 5 Ways to Know If Bankruptcy Is Your Best Option – Debt has crippled the millions of lives in America. When you are in debt, it becomes harder to save for the future, start a family or buy a house. If you are in debt, how do you know if bankruptcy is the right option for you?

Eva Baker @ TeensGotCents writes An Interview With Jeff Rose of Good Financial Cents! – Finally got up my second video interview! This is an interview with Jeff Rose of Good Financial Cents, he shares about his super cool part time job plus…

Mike @ Personal Finance Journey writes What are your Long term Investment strategies to beat inflation? – Do you have a secret stash of ideas to invest and beat long term inflation? If not here are some of the great ideas we can suggest to beat inflation!

JP @ My Family Finances writes Scam Prevention Tips for Seniors – Unfortunately, there are people out there who try to scam senior citizens out of money.

Cat Alford @ Budget Blonde writes What is Credit Card Churning? – You’ve been asking me, “What is Credit Card Churning?” so here are all the details including tips on whether or not it’s for you.

Maria @ The Money Principle writes Tips for first time buyers – Last week I wrote about UK housing issues following a meeting to which I was invited. A panel of experts spoke about housing with particular focus on the problems facing first time buyers. The panel was chaired by Sarah Smith from Channel 4 TV. Read more for great tips.

Bargain Babe @ BargainBabe.com writes 11 Frugal Easter Basket Ideas – 11 Frugal Easter Basket Ideas offers tips on saving money every day. Tell me what you think and if you find them useful.

Debt Guru @ Debt Free Blog writes Buying in Bulk: When It’s Appropriate – Buying in bulk is a great way to save money, but it can be difficult to determine when it’s appropriate to buy in bulk. Read for tips on bulk buying!

Mr. Frenzy @ Frenzied Finances writes Benefits of Investing in Gold over Land: It is easier to buy and sell gold over land – All investments follow the rules of supply and demand. The higher the supply, the higher the price of an item; consequently, the lower the demand is, the lower the price will be. Land is something people have been investing in for centuries.

Kyle @ The Penny Hoarder writes How to Save a Million Dollars Working Part-Time – So, here s the deal. All of that money-making crap you see on TV about no money down real estate, making millions with candle-stick stock trading, and free money from the government is essentially worthless.

Tony @ We Only Do This Once writes Seven Painless Ways To Save Money – People find it hard to save money. Here are 7 painless ways to do it.

Crystal @ Married (with Debt) writes Moving Beyond Money – Even if things are going well for you, I’ll bet you think about money a great deal. I know I do. Here’s how to move beyond money.

Crystal @ Budgeting in the Fun Stuff writes Cheap and Easy Home Security – A raccoon or some other nighttime creature scared the bejeezus out of me a couple of weeks ago.

Mrs. Accountability @ Out of Debt Again writes Just Because It’s a Business Expense Doesn’t Mean You Should Buy It – Some people who go into business for themselves do everything right from the start.

Dominique Brown @ YourFinancesSimplified writes Set Your 401k on Fire: Easy Tips to End Up with More – Right about now is when many people pull out their 401k statements and sigh in despair.

Lauren @ L Bee and the Money Tree writes What Holds You Back from Your Financial Goals? – If personal finance truly is simple, then why do so many struggle to meet financial goals? What is holding us back and preventing us from making progress?

Don @ MoneySmartGuides writes How To Become A Stock Market Millionaire – Do you want to become a stock market millionaire? I have outlined the entire process of becoming a stock market millionaire in this post.

Luke @ Learn Bonds writes These 2 High-Yielding Preferreds Are Worth Your Attention – Currently yielding 6.70% and 6.93%, these securities provide “real” yields and income predictability from two institutions that I have a hard time imagining would ever be allowed to fail.

Wayne @ Young Family Finance writes Lifestyle Check List: New Year, New Me – As expected with the tradition of New Year, many of us have set ourselves resolutions, all of which are designed to help improve our lives in some way. Most commonly we look at more aesthetic ways to better ourselves, we diet, exercise, clear out the wardrobe, and try to cut down on alcohol and cigarettes.

SBB @ Simple Budget Blog writes Debunking Your Budget Excuses – You have excuses for not tackling a budget. We have answers that can debunk them. Read here to get on the right track.

CAPI @ Creating a Passive Income writes Extra Help: The Dos and Don’ts of Hiring Your Next Employee – Need a little extra help? Maybe it’s time to hire a new employee. Here are some dos and don’ts for adding a member to your team.

IMB @ Investing Money writes Investing in Cloud Storage Stocks – Cloud storage can be compared to storage boxes – it is also a potential money maker! Read here for information on investing in cloud storage stocks.

Ted Jenkin @ Your Smart Money Moves writes The Biggest Investment Mistake You Make Every Year – We all know that investments can be for short term, medium term, or long term.

Emily @ Evolving Personal Finance writes Internships and Other ‘Experiences’ – I’m working on a project to get more grad students to do internships or have other career-developing experiences. How have you benefited from such experiences?

Daniel @ Make Money Make Cents writes Understanding Budgeting Loans – If you are considered low-income and have a financial emergency, you may be able to borrow money from the government.

Oscar @ Money is the Root writes Should you be using Mint, the free online personal finance service? – One of the main points that we constantly try to make here on our blog is that everyone should have (and use) a budget to keep their spending in line and adequately fund their emergency, retirement and other savings accounts.

Amy @ Money Mishaps writes When talking about Debt, do the numbers matter? In a word, maybe… – Most of the words that characterize debt are relative, to say the least. Big, crushing, manageable and others give a relative idea about the amount of debt that an individual has but the question remains; what, exactly, constitutes a lot of debt?

Hadley @ Epic Finances writes Want to Contribute to your IRA for 2013? You Still Can! – 2013 has come and gone and now that we’re in the new year many people think it’s too late to put money into their retirement accounts and get the tax savings that they can bring.

Andrea @ So Over This writes Saving Money on Child Care! – Here is a question for those of you with children; did you know that if you pay a babysitter or other childcare professional over $1900 a year, you have to pay employer taxes as well?

Lily @ Paying Debt Down writes What are the best deals at your local Dollar Store? – Dollar stores are popping up like mushrooms all over the country and while they certainly are an excellent place to find good deals on a number of different things, they also happen to sell quite a bit of junk.

Bob @ Dwindling Debt writes Getting a Tax Lien off of your Credit Report – Part 2 of 2 – One of the most negative items that can appear on your credit report is a tax lien. The reason it is so bad is because it causes your credit scores to really take a drop.

Katie @ IRA Basics writes The Secret of Saving for Your First Deposit – Are you ready to become a homeowner and do not fancy a no-deposit home loan? Then the biggest obstacle standing in your way is the first deposit or down payment.

Charles @ Getting A Rich Life writes How We Reached A Million Before 40 – One reader questioned how we were able to grow our Net Worth significantly in 2013 despite not being much older than them. Was it from a large inheritance or because we had large salaries?

Sustainable PF @ Sustainable Personal Finance writes Would You Use an Alternative Currency? – One of the first rules of investing is that you need to have a degree of diversity in your assets. That way, if something goes wrong with one asset class, you will have another asset available to pick up the slack.

Jason @ The Money Makers writes Zimmerman Wins Lottery: A Prank, but What Are the Real Odds of Winning? – Satirical reports regarding George Zimmerman have been misconstrued as factual by several media outlets, which have led to the belief that the man who killed Trayvon Martin is now a multimillionaire due to a lucky lottery ticket.

Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.

Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.

Alexa @ Single Moms Income writes How to Start a Side Business in One Hour Per Day – If you have been wanting to start a side business but feel like you do not have enough time, you probably do.

Natalie @ Debt and the Girl writes Are We Spoiling our Kids on Finances? – I have a confession to make. I do not have kids. I know. Huge spoiler. That is not to say that I will not have them someday…way in the future.

Larry @ KrantCents writes The Problem with College! – The problem with college is not how much it costs or how long it takes! Many personal financial bloggers talk about the value of going into debt for an expensive private university.

Monica @ Monica On Money writes Free Valentine’s Day Gifts, #7 Is My Favorite – Looking for frugal Valentine’s Day gifts? Did you forget to budget for Valentine’s Day this month?

David @ Financial Nerd writes 2014 Investor Almanac – A brief description and prediction of 2014 and its predicted success.

writing2reality @ Write Your Own Reality writes It Ain’t Just Money – Goals for 2014 – After a successful year of passive income in 2013, I put together my 2014 goals for passive income and a bonus blogging traffic goal!

Gretchen @ Retired by 40! writes 4 Reasons Not To Buy A House – Home Ownership is the American Dream – or is it?

Christopher @ This That and The MBA writes Short Term Loans and How to Use Them to Your Advantage – Short term loans are considered secured while long-term loans are unsecured. A secured loan means paying lower interest rates while the latter would require you to surrender some assets, if in case you cannot pay the agreed amount indicated in the contract. This further results to higher interest rates and is considered unsecured.

Jeremy @ Modest Money writes Dealing With Financial Challenges – Read about how I plan to deal with some upcoming financial challenges. Instead of being stressed I’m confident I can easily tackle this situation.

Josh @ US News writes 5 Ways to Save Money and Eat Healthier – If you want to save money and eat healthier: Stop eating canned and frozen food, Consider the hidden costs of packaged food, Cut down on snack foods, Fight the fast food diet and consider your health an investment in itself. This will not only help your bottom line but also your waistline.

Mario @ Debt BLAG writes A penny saved is MORE than a penny earned (or why impulse spending is more expensive than you thought) – Impulse spending can be even worse for your budget than you think; here are three reasons why.

Skint in the City @ Skint in the City writes Lessons From theTooth Fairy – Turning the Tooth Fairy into a lesson on personal finance!

Little House @ Little House in the Valley writes Strategies for Paying Down Debt and Saving for Retirement – Obviously, having little to no debt frees up money needed to save, but both can be done simultaneously.

Miss T. @ Prairie Eco Thrifter writes I’m Not Going to My Best Friend’s Bachelorette Party – Let me say this, ALL “OBLIGATIONS” ARE A CHOICE. You are the one who decides whether or not something is an obligation. Yes, there are societal, cultural, and peer expectations and pressures, but at the end of the day, the decision is yours.

Harry Campbell @ Your PF Pro writes The Cost of Being a Groomsman – A lot of the wedding related articles I read have to do with how the bride and groom can save money on this or that but not many of them talk about how much it’s going to cost other people. I’ve been a groomsmen for one wedding and I’ll be having 7 groomsmen at my wedding so I’ve been thinking a lot about the cost of being a groomsman. The first thing all of my groomsmen actually asked me though, was “Do I need to do anything?” And the truth is, it’s really not that much work to be

Pauline @ Reach Financial Independence writes What would you do with $200,000? – What would you do with so much $$ if your only debt was a mortgage?

Pauline @ Make Money Your Way writes How to Set Rates for Your Side Hustle – Harry talks about how to set your freelance and side hustle rates when you get started working on your own.

JC @ Passive-Income-Pursuit writes Income Update – January 2014 – The key to successful household finances is simple. Spend less than you earn. I take a look back at the way money moved through my hands during January.

GenY @ Gen Y Finances writes Saving Money When Eating Out – If you are like me (or most of the population), then you probably like a good meal out every now and then. You can sit down, order your food, and it will be brought to you. Minimal work needs to be done by you (except for the actual driving part), which is nice!

Sicorra @ 724 Credit writes Life Without Having Credit Cards – Some people use credit cards everytime they make a purchase. Others may only use their credit cards for big ticket items. And some people never use a credit card. In fact some people do not even have a credit card in their name.

Out winter, be gone!