Happy Thanksgiving week!

I hope everybody has a great holiday, but still checkout the great articles below!

Speaking of great articles, I actually went through and tried to reduce the number of articles to around 50 or so.  Unfortunately, this week there were so many great articles submitted, I had a hard time doing so.  I finally started randomly picking a few… Yep, they are all that good!  I wonder if the pf bloggers are the best in the blogosphere?

If they aren’t the best, they must be near the top!

Hank @ Money Q&A writes Four Ways Small Business Owners Talk Themselves Out Of Success – Have you always wanted to start your own business? It is resistance keeping you from your goals. You can achieve small business owner success.

Roger the Amateur Financier @ The Amateur Financier writes 3 Big Advantages of Using Saving Accounts – A short guide to several advantages to using savings accounts, including safety, providing interest, and allowing easy withdraw.

Bargain Babe @ BargainBabe.com writes Top Five Budget-Friendly Things to Consider While Redecorating the Living Room – Top Five Budget-Friendly Things to Consider While Redecorating the Living Room offers tips on saving money every day.

Eva Baker @ TeensGotCents writes Shopping Addiction – Shopping With Sarah – Is it possible that you have a problem with shopping? As in a shopping addiction? Sarah reveals the concerns that you should look out for in your own life.

Mike @ Personal Finance Journey writes Easy Ways to promote a small business – Easy and cost affordable ways you can promote your small business and gain that edge over your competition.

Tushar Mathur @ Everything Finance writes 4 Alternative Christmas Presents for Kids to Avoid Toy Overload – We have too much stuff, especially kids’ toys. I’m guessing you can probably relate. Honestly, we don’t buy many of our children’s toys.

SavingMentor @ How To Save Money writes $1000+ Cash HUGE Christmas Giveaway! – You read that right! I’m giving away $1000 of my own hard earned money in cold hard cash this Christmas in what I hope will be one of the biggest giveaways the Canadian personal finance blogging scene has ever seen.

Maria @ The Money Principle writes Credit card confessions: Brits reveal truth behind their secret spending – Some people seem to do a lot of secret spending. This research from MoneySuperMarket tells us what they spend on and with what consequences.

JP @ My Family Finances writes Managing Money: 5 Retirement Expenses to Budget For – You may have heard people tell you that it’s never too early to start saving and planning for your retirement.

Crystal @ Budgeting in the Fun Stuff writes Budgeting for our First Home and KILLING IT!!! – Hi everybody! I’m Lindsey from This is How I Roll, which is a lifestyle blog that has a little bit of everything on it.

Ryan @ Cash Money Life writes Resisting the Hard Sell – How to Say No to a Slick Sales Pitch – A good salesman know which points to push in order to make a sale. We show you some of the big things to look out for so you can avoid the hard sales pitch.

CAPI @ Creating a Passive Income writes All That Glimmers: The Truth Behind Cash For Gold – There are a lot of scams out there when it comes to cash for gold. Read for necessary information to know the legitimate companies from those that scam.

SFB @ Simple Finance Blog writes Why Do You Need Renters Insurance and How to Save Money on Getting One – While most of us consider health insurance, car insurance and homeowner’s insurance to be vital, rental insurance is one policy which is often omitted or else given least importance until it is too late.

Cindy @ MidLife Finance writes Unsettling News On Healthcare – Obama himself was puzzled why the White House hadn’t realized how complicated applying for insurance can be. He also wondered why the problems hadn’t been addressed and ironed out much earlier.

Wayne @ Young Family Finance writes Debt Tips: The Light at the End of the Financial Tunnel – Your debt may seem daunting, but there’s a way out as long as you stay calm and positive. Read here for tips to find the light.

Tony @ We Only Do This Once writes The Freedom of Doing Away with a Monthly Phone Contract – The Freedom of Doing Away with a Monthly Phone Contract Do you find yourself constantly checking your smartphone during your waking hours, and even

SBB @ Simple Budget Blog writes Tips for gambling responsibly on a budget – Gambling is big throughout much of the world as online gambling options have introduced it to a much broader customer base – including many younger people. There is nothing wrong with this as long as those gaming online do so responsibly, which these tips should help you to do.

Lindy @ Minting Nickels writes Born With a Savings Account: 7 Expenses Your Child Should Save For – Not everyone is lucky enough to be born with a trust fund. Most of the time, people have to work hard and save to get the things they want or need.

Brent @ PersonalFinance-Tips writes Four Reasons You Should Invest In Real Estate And How To Get Started – Real estate is an interesting sector of the market to be invested in. There are a variety of ways to make money from a real estate investment, and even a novice investor can learn how to get the best return on his or her money.

Debt Guru @ Debt Free Blog writes Should You Gamble Your Way Out of Debt? – Individuals in debt who are motivated to get out can be desperate to get back on track. Anything and everything is fair game in the eyes of someone wanting to live in the black. This can include a variety of nontraditional ways to pay off your debt. While there are good ways to get out of debt and bad ways, everything deserves a discussion, including using gambling to pay off your debt.

Don @ MoneySmartGuides writes Inexpensive Things To Do – Are you looking for inexpensive things to do with friends and still have fun? I highlight 5 things that my friends and I love to do to have fun and are cheap.

Tushar @ Start Investing Money writes Who Do You Trust When Making Investment Choices? – I bet that isn’t a question you have ever asked yourself. And yet it is one of the most important questions you will ever need to answer. We sometimes hear stories of people who have lost thousands of dollars in a bad investment.

Minimalist @ Minimalist Finance writes How to Get Free Firewood – Having a wood burning fireplace can save a lot of money on heating for home owners in the winter, however, much of the cost savings are eaten up by the cost of firewood.

Ted Jenkin @ Your Smart Money Moves writes Is December The Best Month To Buy A Car In Georgia? – It’s become pretty common knowledge that the end of the year can be one of the better times to go car shopping.

Suba @ Broke Professionals writes Low Cost but Highly Treasured Holiday Gifts for Parents – Your parents have had a lifetime (yours!) to find and obtain the things they want and need.

Corey @ 20s Finances writes Smart Holiday Shopping Tips – It’s November, so that means retail stores have had Christmas trees and music playing for about four months now. Just kidding. But, I was at the mall this past weekend and Christmas music was being played in the stores. There are all sorts of tips for saving money and being smart with your spending every holiday.

Mrs. Accountability @ Out of Debt Again writes In Control of the Money? Could You be Accused of Abuse? – Handling money in relationships is so tricky – money issues are one of the leading causes of divorces, and yet all too frequently, a completely neglected topic.

IMB @ Investing Money writes Investing in Internet Security Companies – Internet security is one of the biggest problems facing government and business activity. Read here for more information regarding internet security.

Luke @ Learn Bonds writes Asset Allocation of Bonds – Take the confusion out of what percentage of your income portfolio is to be devoted to bonds with our comprehensive investment guide.

Kyle @ The Penny Hoarder writes Franchise Brokers 101: Who, What and Why? – Buying your own franchise may appear to be pretty easy. After all, the franchisor basically tells you what to order, how to set up your business, and in many ways, how to run it. They provide training and equipment and sometimes even help you find the right location.

Cat Alford @ Budget Blonde writes Good Financial Habits Are Way More Important Than Net Worth – Read about my BIGGEST PET PEEVE and why I think good financial habits are way more important than net worth. Do you agree or disagree?

Tushar @ Earn More and Save writes How to Make More Money At Your Current Job – You’ve been working hard and just hoping for a raise at your current job but it’s never come. You’ve read about others starting side businesses but you know that’s not for you.

Crystal @ Married (with Debt) writes 10 Rules to Eliminate Debt Revisited – One of the first things I did after starting this site was to create an anchor – 10 Rules to Eliminate Debt and Change Your Life. Here’s an update.

Lauren @ L Bee and the Money Tree writes What I Would Do With a $1,000 – How would you invest $1,000? I get asked a version of this question fairly often, read what I would do…

Daisy @ Suburban Finance writes Giving When Money is Tight – Holiday giving is a great feeling, but sometimes money is tight and giving is not in the budget. There are many ways to give back on a budget.

Dominique Brown @ YourFinancesSimplified writes Thanksgiving on a Budget-Gimme a Break! – Around this time every year the internet is flush with budget tips for the Thanksgiving feast and budget tips about holiday gift shopping, which is well and good, but give me a break!

Daisy @ When Life Give You Lemons writes How to Save Money on a Wedding – When You’re a Wedding Guest – If you’re someone who has been invited to seven weddings this summer, you may not be feeling so excited. In fact, you may be feeling downright hateful at this point. After all, all that fun and excitement does not come cheap.

Kurt Fischer @ Money Counselor writes Should You Add a 100-Word Statement to Your Credit Report? – Is there negative information on your credit report that you think doesn’t tell the whole story? You’ve got the right to add a 100-word statement.

Ben Luthi @ The Wealth Gospel writes Student Loans are Toxic – I have never heard someone look at their student loans and say it was worth it, and most students have no idea what they are getting themselves into. They give you a false sense of security and can push you into more debt later on.

Roger Wohlner @ The Chicago Financial Planner writes 1% a Small Number with Big Implications – It’s amazing how a small number like 1% can have such a big impact on your investments and the amount you’ll be able to accumulate for goals like retirement. Here is a look at the impact of saving 1% on your investment expenses.

Jay @ The First Million is the Hardest writes Buying an Engagement Ring Online – My Blue Nile Experience – How buying my engagement ring online instead of a traditional jewelry store saved me a ton of money.

Daniel @ Make Money Make Cents writes Investing is Key to Beating Inflation – Investing is the key to outpacing inflation and keeping your financial security on track. Consider that that $20 a 100 years ago would be equivalent to over $300 today and you can see the glaring impact of inflation.

Oscar @ Money is the Root writes How to Fight Back against Zombie Debts – If you think zombies are only found in the movies and in popular TV shows then you are dead wrong. (Pun intended.) The fact is, zombie debt is any debt that just does not seem to ever die or go away.

Jay @ Daily Fuel Economy Tip writes Obtaining an Offshore Bank Account – Have you ever thought about getting an offshore bank account? If not, allow me to give you some reasons why they are an important financial tool for your portfolio.

Matt @ Budget Snob writes How your Upbringing Affects your Money Habits Part 1 – Something that most people do not realize is that how they were raised as children can actually have a big impact on how they make decisions as adults, especially with money.

Jack @ Money Saving Ethics writes Top Tips for Earning Extra Cash During the Holidays – Well boys and girls the Holidays are practically upon us once again and, if money is tight, you may be looking for some ways to bring in some extra money so that you will be able to finance all of those holiday gifts, parties and so forth that you are excitedly looking forward to.

Amy @ Money Mishaps writes 6 Excellent Tips to Lower Your Car Insurance Costs – For many consumers one of the most expensive aspects of owning an automobile is the car insurance. Depending on where you live in the United States, you could be paying anywhere from $500 up to $1,500 a year just for one vehicle, and the national average is $120 a month approximately.

Lenny @ Best Money Saving Blog writes Avoid these Common Mistakes or you will Always be Broke – While being broke may just be the fault of your circumstance because you are out of work, underemployed or just went through bankruptcy, the fact is that most people are broke all the time because they make a lot of financial mistakes.

Hadley @ Epic Finances writes Increase your Retirement Savings without a 401(k) – One of the unfortunate facts of working today is that over 70% of smaller businesses do not provide their employees with any type of retirement savings plans at all.

Andrea @ So Over This writes Tips for Moms who want to Tackle their Financial Insecurity – A recent report shows that moms who are financially insecure report feeling a lot more tension, stress and anxiety than moms who consider themselves to be financially astute.

Lily @ Paying Debt Down writes Why You Should Enter the Market Sooner – The global real estate market is still recovering from the housing bubble, but now is the perfect time to purchase a new home.

Bob @ Dwindling Debt writes Every Day Tips for Saving Money – Have you ever heard the old adage penny wise and dollar foolish? If you have then you know what we mean when we say that many people who seem to take great care of their big bills have a hard time with their budget because their little bills end up wasting a whole lot of their money.

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 5 Mistakes that Successful Entrepreneurs Wish they Would have Avoided – Many successful small business owners and entrepreneurs made mistakes when they started their businesses that they wish they could go back and correct.

Marissa @ Finance Triggers writes How to spot a good mortgage broker from a bad one – How can you decide if a mortgage broker is a good one or a bad one? The best way is to learn the answers to these questions.

Monica @ Monica On Money writes 8 Warning SIgns That You’re Living Beyond Your Means – It might be hard to believe, but it is entirely possible to graduate from college debt-free. Think about how amazing it would be to start your new career without worrying about paying off student loans.

Natalie @ Debt and the Girl writes We Have To Escape… – I am going to let you in on a little secret. I have always wanted to escape. I just do not want to go into a private island somewhere in Fiji (though that would be nice). I have always wanted to get in my car and go.

Alexa @ Single Moms Income writes 10+ Lucrative Offline Small Businesses to Start in 2014 – Have you caught the entrepreneurial bug but don’t have a passion for online businesses? As much as I absolutely love the online world I cannot help but feel the urge to get involved in some type of offline business.

Sustainable PF @ Sustainable Personal Finance writes Could You REALLY Retire? – One of the most important questions that many ask themselves right now is this: Will I have enough to retire?

Taylor @ The Motive Blog writes Is Paying off Your Car Early the Right Decision? – Paying off your car early is the right decision in most cases, but there are a couple of important exceptions to this rule.

FI Pilgrim @ FI Journey writes Financial Lessons I Remember Learning From My Dad – I love thinking back to the lessons my dad taught me as a kid. Here I run through a few of the financial lessons I remember learning from my dad.

Adam @ Money Bulldog writes Let Your Inner Child Save You Money – What can your younger you do to help you save some money right now?

Robert @ The College Investor writes Research The CEO and Board of Directors Of Your Company! – If you’re going to invest in a company, you need to know what the leaders of that company are all about. Do they have integrity, or have they been investigated for being unscrupulous in the past? These are important questions, because as a shareholder, you’re essentially trusting the people with your money.

Christopher @ This That and The MBA writes How to Manage your Money with Able2Extract Professional 8 – If you are responsible for overseeing the financials of your business or simply trying to keep up with your day-to-day household budget, you probably already have plenty of productivity tools that you use to make the process easier.

Dollar @ Easy Extra Dollar writes The Net Is Stuffed With Scams – Here Is How To Avoid Them – You will find that many men and women are out to scam people who are trying to start making money online. You might find somebody who seems genuine in their communications may just be doing so as part of the scam.

Kate @ On Better Terms writes Brainstorming Ways to Increase Your Saving This Month – The time to save is now! This post gives some simple ideas on how you might get started, including some options you may not have considered yet.

Steve @ FastSwings.com writes Twitter IPO Vs. Facebook – At first glance, it would seem Twitter had no intentions of posting such a high IPO, but their current policy of growth says otherwise.

Levi Blackman @ Wealthnote writes Diversifying Your Portfolio – A guide to diversifying your portfolio. With a diversified portfolio you protect yourself from a lot of risks of the market, and you allow yourself to take advantage of different sectors of the market when they are hot and prices are on the rise.

Harry Campbell @ Your PF Pro writes “Does Brewing Your Own Beer Save You Money? “ – “I’m not sure how many of you have picked up on it, but I like to drink(alcohol, that is). I don’t spend my weekends binge drinking, but I love to enjoy a glass of wine while I’m cooking or a nice cold beer after a long day of work of exercising. I’m probably the furthest thing from a beer snob though, since I’ll drink everything from Natty Light to Corona. But if I had my choice, I’d probably go with a nice microbrew like Fat Tire or Sierra Nevada. ”

Jon Haver @ Pay My Student Loans writes 5 Banks to Refinance Your Student Loans – Recent college graduates may find themselves facing a two pronged problem; a soft job market and looming student loan repayments. Refinancing student loans is one method of managing student loans and can often result in lower monthly payments.

Matt Becker @ Mom and Dad Money writes What Does Financial Freedom Mean to Me? – I have a very simple definition of financial freedom that’s a little different from the norm. Find out what it means to me and how I plan to achieve it.

Fiona @ ReadyForZero Blog writes How Mindfulness Can Help Your Finances – Mindfulness can help you to put your finances into perspective and consequently help you achieve a balance in your life. Read on to learn more about the benefits of being mindful when managing your finances!

Andrew Pohl @ Finance with Reason writes Confirmation Bias: Is your investment research biased? – You probably do a lot of research before buying a stock, but confirmation bias may be clouding your judgment and making your research one sided.

Pauline @ Reach Financial Independence writes Reaching Financial Independence in the US Military – Spencer writes at the Military Money Manual about achieving financial independence before age 40 using his military pay and benefits.

Little House @ Little House in the Valley writes Reign In the Spending Over the Holidays – Unbeknownst to the ad agencies pumping out creative spots that grab our attention, we have free will over how much we spend this holiday season.

KK @ Student Debt Survivor writes The First Time I Needed My Emergency Fund – Do you have an emergency fund? Have you ever had to use it? I have!

Mr.CBB @ Canadian Budget Binder writes How to keep the romance alive on a budget – It’s important to keep the romance alive in a relationship but there are ways to do it and still stick to your budget if you just plan in advance.

GenY @ Gen Y Finances writes How to Negotiate Lower Rent – Where you live is in important. It often times not only determines your lifestyle, but it consumes a majority of your income as well. Fortunately as a renter, you have a bit more negotiating power than that of a homeowner in terms of how much you will end up paying each month.

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes Career Lessons from Sheryl Sandberg’s Lean In – I just finished reading Sheryl Sandberg’s Lean In and wow was it inspiring. She touches on a number of career related issues specific to women in the workplace that I don’t think anyone has ever really written about. I’m going to go through a few important lessons I learned from Sandberg’s book about being a woman in today’s workplace and becoming a leader in the future.

Nell @ The Million Dollar Diva writes How to Save for Your First Home 20% Faster – Want to get into your first home 20% faster? Here’s an easy way for Australian’s to get up to an extra 20% for their deposit.

Arnel Ariate @ Money Soldiers writes 4 Major Reasons You Don’t Really Need to Hire a Financial Advisor – The fact is that most people don’t really need a financial advisor, and most of the things that you’d be paying a financial advisor to do for you are things that you could do yourself.

Hope you enjoyed this week’s selection!

I hate it when someone pretends to be very religious or altruistic, but then really isn’t.

Grrrrr, such is the case with this carnivals, the blogger that was signed up to host this carnival is still active, but just decided not to post the carnival.  The blogger has hosted carnivals before, so I know that blogger knows how to do it, but just decided not to.

What really gets my goat is that on his blog he’s writing about how we should all do the right thing?  Lol, ummmm, sure whatever…

Okay, it is what it is and I’ll stop ranting about “the blogger” which I aliased as “Missing Altuist”!

Still, the articles below are great, and I hope you enjoy!
Lauren @ L Bee and the Money Tree writes Extreme Budgeting for Debt Reduction – Budgeting for debt reduction is hard, because it is often so extreme! There are often times things you feel you cannot live without, but think again.

IMB @ Investing Money writes Determining How Much Money You Need to Retire – Figuring out how much money you need in order to retire may seem pretty difficult, as there are a lot of variables that may be hard to answer, but the answer may not actually be as tricky as it seems. Consider the following factors to get an idea of just how much you will need to retire.

Don @ Money Reasons writes The Beauty Of Robotics and Technology – In this article is my vision of what robotics and technology could do for us in the not too distant future.

Daisy @ Suburban Finance writes The Age-Old Question: Rent or Buy a Home? – Whether to rent or buy a house – which is better, renting or buying?

Minimalist @ Minimalist Finance writes Setting Your Housing Budget – Setting Your Housing Budget has been published on Minimalist FinanceWhen you are thinking of buying a home, there is something daunting about setting your budget, especially as first time home buyers.

Crystal @ Married (with Debt) writes It’s Open Enrollment Time – It’s that time of year again, Open Enrollment. It’s that one time a year that I can make changes to my health benefits for the following year.

Debt Guru @ Debt Free Blog writes Apartment Hunting: 5 Tips To Find Your Next Apartment for Cheap – Looking for an apartment? It can be pricey, but not impossible. Read for tips and tricks will help you find your next apartment for a decent price.

Suba @ Broke Professionals writes Don’t Live Life for the Taxman – Taxes can really take a bite if you do well and have high income. It may be tempting to live life by the IRS’s rules to lessen the bite.

Mrs. Accountability @ Out of Debt Again writes Could You Make It on Food Stamps? – So my question is could you make it on food stamps? Read my take!

Corey @ 20s Finances writes Retirement Moves to Make in Your 20s – Preparing for retirement while in your twenties is best accomplished by getting on the right path instead of focusing on the details.

Wayne @ Young Family Finance writes Preparing to Start a Young Family – It’s important to budget – especially when adding to your home. The financial checklist you need when you’re about to start a young family.

Tushar @ Earn More and Save writes How to Make an Extra $1,000 Per Year (Even If You’re Strapped for Time) – What would you do with an extra $1,000? You could use it for Christmas shopping, pay down debt, beef up your emergency fund, or take a fun trip.

Dominique Brown @ YourFinancesSimplified writes 5 Major Myths About Retirement – Many of us put some money away here and there for our retirement, but very few of us truly understand how much we will really have in the future. After inflation, how much will your million dollars really be worth/? If you plan to retire 30 years from now, that million bucks might only The post 5 Major Myths About Retirement appeared first on Your Finances Simplified.

Corey @ Steadfast Finances writes Ways to Avoid Losing Money when Selling your Home – If you are putting your home on the market, the chances are you want to get the best offer possible for it. The sale process is punctuated with a number of pitfalls that can result in a homeowner losing money on their home. Here are three ways to squeeze as much money as possible out of your house sale.

Tushar Mathur @ Everything Finance writes 5 Ways To Save Money When Traveling – Traveling is costly, but add in all the extra fees and it can get even more expensive. Here are 5 ways to save money when traveling so you can avoid them.

Luke @ Learn Bonds writes Avoid This Risk Tolerance Mistake – Investors are not always honest with themselves about their risk tolerance. Here is how to avoid that mistake and set your investing on the right path.

Eva Baker @ TeensGotCents writes iPad Air Review – The Best Buy With Mike – Just how thin can Apple make their iPads? Pretty thin with their new iPad Air. Mike takes a closer look at the new iPad products and their improvements.

Brent @ PersonalFinance-Tips writes 3 Savvy Ways Professionals Track Their Finances – In the wake of the dual banking and housing crises of 2008, many professionals found that the outsourcing of financial tracking was not the best road to take for personal financial solvency. However, many professionals simply do not have the time to track their finances 24 hours a day, seven days a week.

SBB @ Simple Budget Blog writes Boo-budgeting: Getting Your Budget Ready for Halloween – Boo! Halloween’s coming up! Advice to make your Halloween budget less scary than those coming to your house to trick or treat.

Crystal @ Budgeting in the Fun Stuff writes Why You Should Hire a Fund Manager For Your Retirement – Have you thought about investing for your retirement? Here is why you should hire a fund manager for your retirement.

Ryan @ Cash Money Life writes Will You Have to Push Back Your Retirement? – Will you have to push back retirement? Traditional retirement has changed recently with inconsistent investment returns and fewer pension plans.

Hank @ Money Q&A writes How Macro Economic Issues Affect Middle Class Americans – In this episode of the Money Q&A podcast, “Your Money: Your Choices”, I interview Frank Trotter, the President of Everbank Direct, and we talk about how macro economic issues affect everyday middle class Americans.

Lindy @ Minting Nickels writes An Easy Way for Stay at Home Moms to Make Some Extra Money – Stay at home moms fill a vital service for their families.

CAPI @ Creating a Passive Income writes If I Had $1000000: Managing and Investing Large Sums of Money – So you get $1000000 (I wish!) What do you do with it? You have to strategize and invest. Read here for tips on managing large sums of money!

JP @ My Family Finances writes 10 Tips for Choosing the Best Home Loan – Not all home loans are created equally, and some mortgages are more beneficial than others. When purchasing or refinancing a house, consider these tips on selecting the home loan that works best for you.

Maria @ The Money Principle writes Should we buy property? – Is investing in property still worth while for the next 5 years?

Jacob @ AllPersonalFinance writes Spend Money on a Removal Company that is worth every Penny – Shifting homes can be quite an ordeal. It is a cumbersome task that requires a lot of supervision but it is impossible to do alone. Imagine packing all the things you own and moving to a new home all by yourself, nightmarish, isn’t it? Perhaps it’s time for a pro?

SFB @ Simple Finance Blog writes Benefits Of Shopping At Farmers Market – It is a sad reality that we live in an era of additives and preservatives in most of our food, in addition to consuming certain foods that are genetically modified.

Ted Jenkin @ Your Smart Money Moves writes Local Library: You Pay for This! – Some of my clients always ask, Cristina, what do you do in your free time? Well, one of the things I do in my free time is read.

SavingMentor @ How To Save Money writes Never Pay To Upgrade Your Computer’s Memory – At some point during the life of a computer, there almost always comes a time when it would benefit the owner to install more memory. If you find your computer is getting sluggish when you have quite a few programs running, then you are probably a good candidate for increased RAM (random access memory).

Bargain Babe @ BargainBabe.com writes What Should I Do About This College Debt? – What Should I Do About This College Debt? offers tips on saving money every day.

Kyle @ The Penny Hoarder writes Financial Considerations for Anyone Who Wants to Have Children – According to CNN, the average cost to raise a child born in 2012 is $241,080. For the sake of clarity, this number applies primarily to middle-income, American couples, and could be much higher or lower, depending on where you live.

Tushar @ Start Investing Money writes Visualisation analytics and the new portfolio – The concept of data visualisation may seem like the ‘buzz’ trend right now but there is good reason why so many are latching on to this technique, not just in finance but across every industry.

Cat Alford @ Budget Blonde writes The Hubs Wins A Money “Discussion” – I’ve written about marriage and money before, but I’ve never really discussed an incident where the hubs and I disagreed on how money should be handled.

Don @ MoneySmartGuides writes How to Get Out of Debt – Do you want to know how to get out of debt? I was in debt and was able to overcome it. Here is a detailed plan for you to help you overcome your debt.

Mike @ Personal Finance Journey writes 5 Unique Money Saving tips When Dining Out – Simple and unique ways to help you save money when dining out with friends family or on your own.

Roger the Amateur Financier @ The Amateur Financier writes Net Worth Update: November 2013 – A net worth update for the start of November 2013, covering where my finances stand, including investments, savings, and debts, including credit card debts.

Harry Campbell @ Your PF Pro writes Why I Sort Of Hired a Wedding Planner – Even though I’m only working four hours a day, I’ve still been spending a lot of my free time planning for our wedding next summer. Since my fiancee is busy with school, I’ve become the ‘unofficial’ wedding planner and let me tell you, it’s a lot of work. We ended up picking a venue that requires you to bring in all your own vendors so there’s even more to do than normal. It’s our responsibility to coordinate everything from tables and chairs to a full kitchen and flooring for

Alice Sibley @ Earning My Two Cents writes Health Over Money – Remembering that money comes after health, despite my worries

Harry Campbell @ The Four Hour Work Day writes When Does Where You Went to College Stop Mattering? – We all know that there’s a high correlation between going to college and making more money, becoming more successful, etc. But is there anything special that’s being taught at these elite universities that isn’t being taught at your average state school? I started thinking about this a lot during college because I had some of the worst professors you could imagine. I’m sure they were doing some brilliant research but they couldn’t teach worth a damn.

Emily @ Evolving Personal Finance writes Talking to People Who Are Different from You about PF – I got into a FB altercation over the use of credit cards, and it forced me to realize that I probably don’t know my friends as well as I thought I did.

MakintheBacon @ MakintheBacon writes She Ain’t Nothin But a Gold Digga and She Admits It – Having other people finance your dreams whether it be through crowdfunding or rich guys

Daniel @ Make Money Make Cents writes Pay your Bills to Save Money? Yes, you can – By implementing these tips you will actually save money while paying your bills and also save yourself quite a bit of time and stress as well.

Danielle @ Saving Without a Budget writes Financially Organize your Life in 10 Easy Steps – Even with all of the smart phone financial apps available, there are still millions of people who organize and file their financial paperwork in shoeboxes that they store in the back of the closet.

Jack @ Money Saving Ethics writes Money Saving Tips for Holiday Travel – The Holidays are once again right around the corner and, if you are considering traveling during this festive time of year, you will find that prices are generally much higher.

Amy @ Money Mishaps writes Airline Fees That Might Actually Be Worth Paying For – While most people are loathe to pay anything extra when traveling by plane, especially considering that it is so darned expensive already, there are actually a few extras that might be worth paying for.

Lenny @ Best Money Saving Blog writes Should you Retire at 65? – In reality, 65 is probably too young an age to retire these days.

Hadley @ Epic Finances writes Five Steps to Help you Understand the Bond Market – One of the hardest things to understand for newcomers to the holy trinity of investing (cash, stocks and bonds) are the basic rules and the relatively intricate nuances that all three hold.

Andrea @ So Over This writes The Cost of Carrying a Baby: 8 Unexpected Expenses of Motherhood – On average, raising a child from birth to age 18 costs about $200,000. If you add college tuition to that number, you can end up paying up more than quarter million dollars to raise a college graduate.

Lily @ Paying Debt Down writes Top Tips for Negotiating your Finances – Getting a great deal on your rent, negotiating with your boss for your salary or purchasing a new car are all negotiations that most people go through at one point or another in their life.

Bob @ Dwindling Debt writes Great Tips for Cutting Expenses in Retirement – The average retired person already knows how to live on a fixed income, especially if they have been retired for a number of years.

Katie @ IRA Basics writes What Happens to Debt When You Die? – Now we do not want to sound morbid but it is a fact of life that none of us are getting any younger and one day we will meet our maker. But what happens if we meet an untimely end while we have still got debts outstanding?

Sam @ The New Business Blog writes Online Marketing Tips for the Entrepreneur – We put together a list of some excellent online marketing tips that every entrepreneur can use to build client lists, attract visitors to their websites and increase profits.

Marissa @ Finance Triggers writes Cheap Places to Travel this Fall – With summer winding to an end, there is no better time to take advantage of cheap travel rates. Hotels, airlines, and other players in the travel industry are feeling the post-Summer slump and are looking for ways to encourage travel. Here are a few venues to explore when looking for some extra savings on your fall travels.

Monica @ Monica On Money writes How To Negotiate Lower Prices On Anything – Sometimes asking for lower prices is not that easy and can even be a little intimidating. Keep reading to learn how to negotiate lower prices on anything!

Holly @ Club Thrifty writes 6 Unexpected Ways to Save – These days, everyone is looking for a way to cut back on the purchases they make every day. Check out this list of unexpected ways to save:

Alexa @ Single Moms Income writes How to Make Money From Twitter By Building a Large Following – Twitter is a great social network for you to interact with friends, families, and even celebrities. It can also be a place for you to earn a little extra cash, as long as you have a large following.

Jason @ The Money Makers writes Olivia Wilde is Having a Baby: What are the first-month expenses? – Olivia Wilde recently announced her pregnancy with fiance Jason Sudeikis. With forty percent of moms saying that having a baby is more expensive than they initially assumed, it is important to look at the overall costs in the first month for plenty of preparation and financial planning.

Sustainable PF @ Sustainable Personal Finance writes The Importance of Saving Early – When my husband and I first married, we were poor and in debt. It was a difficult place to be, and, even as we made inroads and improved our finances, we still felt pinched. As a result, we decided that we could not afford to set aside money for the future.

Adam Kamerer @ Stop Worrying About Money writes The Single Most Important Thing To Do In A Financial Crisis – A financial crisis can strike completely without warning. When a financial emergency happens, here’s the single most important thing you can do get your feet under you.

FI Pilgrim @ FI Journey writes FI 101: Chart Progress To Stay Motivated – In this post I will give you a rundown of how I chart progress towards financial independence, to motivate myself to drive income up and expenses down.

TTMK @ Tie the Money Knot writes Test Driving a Home – Taking a car for a spin is a way that we can be sure we’re making a purchase we’ll be happy with. How about “testing” a home?

Christopher @ This That and The MBA writes Are You Losing Money By Living Abroad – Make sure you research the best exchange rates and also consider using one of the Regular Payments schemes which several currency specialists in the UK offer. These steps will help you make the most of your retirement years with as little financial worry as possible.

Robert @ The College Investor writes Easy Data, Hard Money – It is difficult to describe just how much data is generated by modern civilization. So difficult, in fact, that we have resorted to entirely new words to describe large amounts of information – such as the yottabyte, which is 10^24 bytes of information or 1 trillion terabytes.

Jon Haver @ Pay My Student Loans writes 3 Student Loan Scams to Watch Out For – There are hundreds if not thousands of scam artists waiting to prey on financially naive students who just want to get to work and get this monkey off their back. Don’t be one of them. Do your due diligence. Watch out for student loan scams.

Matt Becker @ Mom and Dad Money writes Why Net Worth is Misleading – Net worth is an important indicator when it comes to measuring your progress towards both financial security and freedom. But it’s just a single number, and there are many variables to consider alongside it if you’re truly trying to gauge your financial position. Make sure you account for the entire picture when planning your family’s future.

Justin @ Root of Good @ Root of Good writes Developing a Retirement Budget – Justin at Root of Good reveals his $32,000 per year retirement budget for a family of five. He explains the process of developing a budget for retirement that is based on your actual spending and what you actually plan to do in retirement (instead of a crazy “80% of pre-retirement income” rule).

John @ Frugal Rules writes Jumping Off a Cliff: Investing in the Twitter IPO – The Twitter IPO is all the talk in the stock market lately. Many people want the opportunity to invest in it. However, when you’re trying to build wealth and grow a retirement portfolio, listening to the herd is not always the best course of action as it could have negative impacts on your growing of wealth.

Lazy Man @ Lazy Man and Money writes I’m Sick Over My Most Recent $399 Purchase – About an hour ago I bought a Google Nexus 5, the 32GB one in black. It was $399… for a phone. I’ve showered and I still dirty and sick about it… but I am pretty sure I’d do it again.

Dividend Growth Investor @ Dividend Growth Investor writes Dividend Growth Investing Works for Everyone Willing to Put the Time Into It – I believe that dividend investing is a perfectly democratic way to earn passive income. In order to be successful, it does not matter what your age, gender, or nationality truly is. You do not have to play office politics, or focus on things that do not interest you. You do need to put in some work into it however, in order to learn how to screen for stocks, analyze companies, and build diversified portfolios over time.

Pauline @ Reach Financial Independence writes Til “Debt” Do Us Part: Are You Financially Ready to Get Married? – David Moran of Finance for Your Future helps you to determine if you are financially ready to get married.

Miss T. @ Prairie Eco Thrifter writes How Mastering Public Speaking Can Help You Develop Other Skills – I started Toastmasters a few months ago to deal with this fear, and ever since my first meeting, I have been noticing all of the ways that mastering public speaking can help you. It’s not just the ability to publicly give a speech without freaking out (I think everybody, regardless of how rehearsed they are, gets nervous before a speech). You can also benefit from public speaking in many other ways.

Little House @ Little House in the Valley writes Benefit of Renting: Lower Employment Rates – According to a study (there have been a few studies over the years linking these two ideas), countries with lower home ownership have lower unemployment.

Jon @ Novel Investor writes Retirement Planning Guide – Whether you are starting early or playing catch-up, retirement planning is the best way to protect your financial future.

Mr.CBB @ Canadian Budget Binder writes Bust our budget October 2013-Romance and Money – Just when you think you have everything under control life throws you lemons. You know that you can’t spend more than you earn but inside your head you say it’s ok to spend a bit more because you are worth it.

Ward Carson CFP @ The Happy 401k.com writes What is a 401k retirement plan? Part 1 – Life in the ancient world was tough – no penicillin, clean water was hard to come by, no Kardashians’, no Twitter and no Facebook. However, our ancestors did have organized retirement plans

The Warrior @ Net Worth Warrior writes Ultimate Guide to (Finally) Building an Emergency Fund – An emergency fund can help keep you on a path to financial freedom by reducing stress, eliminating the worry of affording an emergency and providing security that you can maintain progress. Through this guide, you will (finally) establish a painless emergency fund.

Jefferson @ See Debt Run writes Sitting Through a Timeshare Presentation to Score Big Discounts – If you know that you have zero interest going in, is it unethical to sit through a timeshare presentation just to get the big discounts?

Michelle @ Diversified Finances writes Is Freelancing Not For You? – On Diversified Finances, the primary topics consist of freelancing, self-employment and other related topics. However, what if freelancing and being your own boss is not for you?

Sam @ Grad Money Matters writes What To Know Before Renting A Room In Your Home – A way to add some extra income each month to your life might be to rent out a room in your home. If you have extra space, then why not? So many people buy homes way too large for what they actually need, and have too many extra rooms. Some people even have rooms that just sit completely empty.

Alexa @ Defeat Our Debt writes How to Pay Off Debt & Increase Your Income the Fun Way – In order to speed up your debt repayment you will have to locate extra funds to throw toward it. You can either continue down the path you’re on or earn extra money.

Hope you enjoyed the articles!  I tried to limit the size of this weeks carnival to around 50 articles, obviously I failed.

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