Welcome to this week’s edition of the Carnival of Financial Camaraderie!
This is the first carnival hosted here at Digital Personal Finance. If you haven’t visited before, please feel free to check out the site. You can also follow on Twitter or via email.
Anyway, there are a lot really good articles below. Enjoy reading them!
SavingMentor @ How To Save Money writes 6 Tips For Keeping Better Tabs On Your Money – Keeping track of your money can be a chore that you don’t often want to think about. I know I dread the endless letters in my mailbox, the stack of unfiled papers on my desk, the bills that need paying, the bank accounts that should be checked, and the budgeting and investment spreadsheets I should be updating.
Jefferson @ See Debt Run writes Return of the Coupon Binder – The Coupon Binder is an invaluable tool for helping to keep grocery costs down.
Alexis @ FITnancials writes Moving Into Our First Apartment – We plan on moving into our own place around the month of February 2014, also so we can get a feel of what it is like living with each other before we move to a whole new city together.
Sam @ Grad Money Matters writes Mistakes Made When Flipping A Home – Before the economic downturn, it seemed like many people were finding homes to flip. This seemed to die down for a few years, and now house flipping seems to really be back. However, how do you know if house flipping is for you? How do you know if you can even make any money?
Daisy @ When Life Gives You Lemons, Add Vodka writes What Could HR Teach You About Money Management? – A good HR department in a company is worth every penny in salary because they make the overall work environment more comfortable, more efficient, and create a higher work quality. Good HR is so good, that there are a few lessons for your budget.
Daisy @ Suburban Finance writes Is Your Car an Asset or a Liability? – Banks will consider your car an asset when they are assessing whether or not to grant you a loan, but is your car really an asset? Just because you can sell something does not mean it’s an asset.
Roger Wohlner @ The Chicago Financial Planner writes Five 401(k) Investing Tips for This or Any Market – The Dow Jones Industrial Average has hit something like 30 new highs this year alone, the S&P 500 is near record levels as well. Twitter just went public and Obama Care will go into full swing in 2014. What does any of this mean to you as a 401(k) investor? Here are five 401(k) investing tips for this or any market environment.
Nicole @ How to Avoid a Cashtastrophe writes Reasons to Avoid Debt – Debt may seem like the norm in Western culture, but that doesn’t mean that it should be acceptable. Debt can poison your entire life. There are so many reasons to avoid debt, and Nicole lists some of them!
Jay @ Daily Fuel Economy Tip writes Picking the Right Auto Policy – Having the right kind of auto insurance is akin to having the right kind of health insurance, in most cases they can be equally as important.
Buck @ Buck Inspire writes Club MomMe’s Family Fall Fest 2013 Recap – Although I was amped for the Entrepreneurship for Moms speaker panel, there also were tons of sponsors and vendors showing off their wares.
Monica @ Monica On Money writes 8 Warning SIgns That You’re Living Beyond Your Means – Read these tell-tale signs and stop living paycheck to paycheck!
Holly @ Club Thrifty writes Why is Obamacare Taking Away my HSA? – Guess what. Obamacare severely limits the number of HSA-eligibile plans in Indiana. Is Obamacare taking away my HSA? You bet.
Barbara Friedberg @ Barbara Friedberg Personal Finance writes Roadblocks to Saving: Not Planning Ahead – Learn simple tips to save for a house, car, retirement, or wedding. Savings tips reduce money stress and are easy to implement.
Larry @ KrantCents writes No College, No Problem: 5 Careers That Don’t Require a Bachelor’s Degree – Many med school grads are left with crippling debt and shockingly high malpractice insurance payments.
Natalie @ Debt and the Girl writes Are We Enabling Bad Behavior? – I was catching up on some blog reading lately. I came across a blog where the blog owner was talking about purchasing something that I considered to be a little ostentatious.
Alexa @ Single Moms Income writes How to Make Money Blogging (Plus a Challenge) – Want to know how to make money blogging? Join me in a challenge to grow your readership and make money blogging.
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.
Graham @ Moneystepper writes Should I invest in emerging markets? – Should I invest in emerging markets?
Jason @ The Money Makers writes Apple Launches iPad Air in November – With a lighter and thinner chasis, the newly announced iPad Air has a more powerful processor with a great new design and performance features that is sure to continue Apple’s trend setting reputation.
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.
Ben @ The Wealth Gospel writes The Twitter IPO: A Big Disappointment for the Little Guy – Twitter’s IPO was a big hit! That is, if you are an investment bank. For the rest of us, it may have been better to wait until it flops.
Robert @ Cult Of Money writes 7 Ways to Save Money on Your Heating Bill – The cold weather is drifting in and we are quickly approaching those rigid winter months. Last year, at the peak of winter, I was faced with electric bills hovering near $500 per month. That was $500 to heat a 900 square foot trailer!
Dollar @ Easy Extra Dollar writes Make Money Online With Work At Home Jobs – You will then need to check out some companies that have been known to hire freelancers or employees to work from home. Many of these employers will list their positions online work from home jobs.
Dave @ Gen Y Finances writes What To Know Before You Buy a Home – I have seen many people buy a home only to have made many, many mistakes. Before you buy a home, there are many things that you should think about or look into before you make one of the largest purchases in your life.
Michelle @ Diversified Finances writes How Can I Become A Full-Time Blogger? – Blogging is a lot of fun, but there are many things that go along with making an amount from blogging that you can actually live off of.
Harry Campbell @ Your PF Pro writes “Annual Enrollment for 2014: My Company’s HSA vs Traditional Plan “ – As most of you know, a health savings account or HSA is one of my favorite investment vehicles of all time. It’s the only investment that allows for triple tax savings – the money you put in isn’t taxed, the money you take out isn’t taxed and the earnings aren’t taxed – as long as you spend the money on qualified medical expenses. If you’re the perfect specimen of health by the time you retire, you can withdraw the funds in your HSA just like you would with a normal 401(k) or tra
Harry Campbell @ The Four Hour Work Day writes There’s no Loyalty in the Corporate World– I will never understand why people go into work and kill themselves working long hours and sacrificing their social life just to make someone else richer. If you’re getting paid by the hour, then you’ll see a direct correlation between how many hours you work and how much money you make. Unfortunately though, most high paying jobs aren’t hourly these days so you’re stuck working for a fixed salary.
Hank @ Money Q&A writes How To Get The Most Out Of This Holiday Shopping Season And Black Friday – It is going to be a tough holiday shopping season for businesses, but that is going to be good for shoppers and consumers. I talk to Jon Lal, founder of BeFrugal.com, on the podcast about the upcoming holiday shopping season.
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.
Daniel @ Make Money Make Cents writes How to Boost Sales Using Just Slatwall in Your Shop– If you have your own shop and you are aware that you could improve your display area, slatwall could be an ideal option for you.
Robert @ Beat The 9 to 5 writes My Monthly Income Stream Report – October 2013 – October was a huge month for me professionally and I’m so excited to share with you some of the major happenings going on with my business. However, it was also a tough month to dedicate myself to this site, so I really wanted to bring you just a simple question last month: Should You Accept a Promotion if its Not Your Dream Job?
CAREER & EDUCATION
CAPI @ Creating a Passive Income writes Right Out of High School: Five Jobs That Don’t Require a Degree – Job markets are always changing. Here are five jobs that do not require the individual to have more than a high school diploma or a G.E.D.
Michelle @ Diversified Finances writes Is Freelancing Not For You? – I really enjoy freelancing, but there are some downsides. I always laugh inside whenever people tell me how easy life must be for me. There are some many things that go into owning a business, and if you aren’t careful then it can easily take over your life.
Jessica Moorhouse @ Mo’ Money Mo’ Houses writes 5 Must-Dos to Interview Like a Pro – Over the past month I’ve had time to reflect on my experiences in the workforce for the past 5 years and I’ve discovered a bunch of new (or new to me) dos and don’ts when it comes to interviewing like a pro.
Adam @ Money Rebound writes The World’s Best Rags to Riches Stories – Get your daily ounce of motivation from these people who had little way back but have almost everything in the world now.
Little House @ Little House in the Valley writes Benefits of Renting: Lower Unemployment Rates – Have you recently seen this headline or something similar to it? 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.
KK @ Student Debt Survivor writes Public vs Private Universities-Why I Chose the Latter – Headed to college or grad school? Do your due dilligence before making your choice. Public doesn’t always mean cheaper.
Jerry @ AutoFoundry writes Is it Smart to Finance a Car? – Contrary to popular belief in PF circles, it actually can be smart to finance a car–as long as you abide by a few simple rules.
Anton Ivanov @ Dreams Cash True writes The 7 Steps to Financial Freedom – Reaching financial freedom is one of the most sought-after goals. Get started on your wealth-building journey with my 7 steps to financial freedom.
Bob @ Dwindling Debt writes Age Old Debate of Whether to Buy or Lease – To buy, or to lease, that is the question. People have long debated on both sides whether they should buy or lease a car.
Lily @ Paying Debt Down writes 5 Home Improvement Tips to Help you Sell your Home Quicker – Selling a home these days is all about image. The problem that most people have is that they put a lot of effort into making the interior of their home look absolutely wonderful but fail to do the same for the exterior of their home.
Lenny @ Best Money Saving Blog writes What Is the Importance of Seeking a Mortgage Broker? – Many first-time homebuyers make a mistake by trying to negotiate a mortgage directly with a lender. Unless you are an expert in home loans, it makes much more sense to hire a mortgage broker to do the negotiating for you.
Jack @ Money Saving Ethics writes Tips for a Great Financial Year – Improving your financial situation is not as difficult as it might sound, but it does require dedication and thought. It is really just a matter of starting and maintaining healthy financial habits.
Matt @ Budget Snob writes The High Cost of Using Cash – It has been calculated that the aggregate expense to all households in the United States for accessing and using their cash is $31 billion a year.
Danielle @ Saving Without a Budget writes Financial Tips That Sound Bad but Work Well – If you ask most certified financial planners you will find that one of the things they are constantly warning their clients against is making bad money choices based on popular financial advice, which is often wrong.
Oscar @ Money is the Root writes What Home Loan Is Right For Me? – Buying a home is a huge financial step that permanently changes the household budget for a family. Understanding the different types of home loans before signing any paperwork is a must.
Adam @ Money Bulldog writes Should I Get a Mortgage? – How mortgages can be a problem that you can benefit from in the long run.
Kali @ Common Sense Millennial writes Twenty Things Twenty-Somethings Should Know About Money – It takes work and time to figure out something as complicated as money and personal finance – and sometimes, it is overwhelming trying to understand it by yourself. I wanted to help by composing a list of the twenty things most important for twenty-somethings to know.
Christopher @ This That and The MBA writes Evaluating Legal Advice Online – You can find all kinds of great legal advice online, but given the vast breadth of United States’ law alone, the advice you read may not be appropriate for your situation. That does not even take into consideration the sites that provide inaccurate or outdated information.
Robert @ Entrepreneurship Life writes Exercise and Entrepreneurship: Why Excess Weight Will Cost You – Your waistline affects more than your health. Research suggests that the detriments of obesity can extend beyond health and self-esteem right into the workplace. There’s a “consistent wage penalty” for excess body fat and a “wage premium” for muscular body composition
Miss T. @ Prairie Eco Thrifter writes Why I Don’t Use Credit Card Rewards Programs – We don’t bother with credit card rewards programs. Here is why.
Jon Haver @ Pay My Student Loans writes How To Pay Back Student Loans Quickly – Let’s assume that you’ve graduated and have earned a college degree. Hopefully the degree has enabled you to attain a nice job as well. Here’s several steps that you can take in order to facilitate the process of repaying your loans.
Taylor @ The Motive Blog writes Leasing a Car: Dumb Move? – It’s tempting to lease a car. The payments are low, the cars are new, and it seems so EASY. But like anything, there’s no free lunch. Find out why.
John @ Frugal Rules writes What My Mom Taught Me About Personal Finance – We can learn a lot from our parents, both good and bad. While none of us are perfect, it’s those tough times that teach us quite a bit that can be applied to personal finance and how to improve one’s lot in life.
Bobby @ Making Money Fast and Slow writes The True Cost of Commuting and Some Alternatives – You spend $125,000 over 10 years and 1.6 working years sitting in your car. So what can you do to stop this waste of time and money? Plenty.
Pauline @ Reach Financial Independence writes Money Choices: How Millennials Can Make The Right Financial Decisions – Here are some of the financial decisions Millennials can make and their implications on their personal life.
Daisy @ Suburban Finance writes A Cup of Coffee: Daily Necessity or Daily Indulgence? – Starbucks coffee is very expensive, and is an indulgence.
FI Pilgrim @ FI Journey writes Flipping The Script: How I Learned To Live On Last Month’s Income – Nobody wants to live paycheck to paycheck, but for a long time I did just that. Here is how I flipped the script and began living on last month’s income.
Brock Kernin @ Clever Dude writes How I Got A Brand New Xbox For $100 – A new Xbox will run you $250 or more….I got mine for $100!
Mel @ brokeGIRLrich writes Five Dolla’ Make You Holla’Day Series: Wife – Thrifty tips for holiday gifts for your wife.
Mr.CBB @ canadian budget binder writes Christmas Shopping Online or in-store ? – Did you know there are only 40 shopping days left until Christmas? With Christmas being not too far away the rush to get one’s Christmas shopping finished begins. While some people prefer to shop only in stores there are many people who will choose to do the majority if not all of their shopping online.
Debt Guru @ Debt Free Blog writes Fallen Behind: Catching Up On Retirement Savings – Proper financial planning takes serious dedication. If you have fallen behind, here are three helpful tips for catching up on your retirement savings.
Jester @ The Ultimate Juggle writes Easiest Way to Make a Profit in Real Estate – Investing in real estate can be a great way to set yourself up for the future. If you invest in the right property at the right price, you can create a positive cash flow from the beginning.
Lauren @ L Bee and the Money Tree writes How I Plan to Recoup Renovation Costs – Oh my glob. Any time someone asks me how my renovation is going I just shrug and say, “It has pretty much broken my spirit and soul as a person.” “But you love your house!” A co-worker replied. “Nope.” I said and finished eating my soup.
Ryan @ Cash Money Life writes Should You Invest Your IRA in a Savings Account or CD? For Most People the Answer is No. – Should you trust your retirement savings to the volatile stock markets, or should you keep your IRA in a savings account? The answer may surprise you!
Tushar @ Earn More and Save writes How to Make $100,000 or More Per Year – What would you do if you earned $100,000 or more per year? Well, you could fund an early retirement, take time off work to travel, remodel your home, or save money and start your own business.
SFB @ Simple Finance Blog writes How to Save Money When Buying Your First Home – Buying a home is an American dream for most of us, but it is a bitter fact that home buying is an expensive process.
Dominique Brown @ YourFinancesSimplified writes What is a Stock Market Index? – A stock market index is a relatively simple concept, and it allows you to see the big picture.
Don @ Money Reasons writes Slow Sale Zone Concerns – This is about the concerns associated with a slow sales zone. You should take this points into consideration when looking into such a consideration.
Arnel Ariate @ Money Soldiers writes How are Mortgage Rates Determined? – How mortgage interest rates are set is determined by a number of factors some of which you may have an influence on and many that you won’t.
writing2reality @ Write Your Own Reality writes Investing with Prsoper – After four years of investing in peer-to-peer lending with Lending Club, I have diversified and added Prosper to the portfolio.
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.
Hadley @ Epic Finances writes Build or Buy? – Taking the big step to buy a home can be difficult. Buyers are often faced with the decision of whether they want to buy an existing home or build a new one. Here are some things to consider before making that big decision.
Robert @ The College Investor writes Atmel Is In An Earnings Recovery – Atmel Corporation (NASDAQ:ATML) is in the midst of an earnings recovery driven by a improving end markets and new product offerings. Atmel is exposed to touch screens, and can gain market share with new device wins in that market.
Pauline @ Make Money Your Way writes What are stocks and how to value them – This is a guest post from Troy who is starting an investing for beginners series and now his first series what are stocks and how to value them.
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.
Marissa @ Thirty Six Months writes Hello, ING Direct, errr Tangerine – ING Direct was acquired by ScotiaBank last year. As a result of the acquisition, ING Direct was required to change their name as they are not owned by the ING Group anymore.
Nell Casey @ The Million Dollar Diva writes 5 Things You Might Be Doing to Sabotage Your Savings Goals – If you are struggling to reach your savings goals, you may be falling victim to a financial saboteur. Whether your goal is too big, undefined or your savings are not automated could be a reason for not achieving your goals.
Simon @ Modest Money writes Tips to Save Money on Groceries – Wasted Food = Wasted Money. Time to refocus efforts on controlling your grocery budget with this money saving tips.
Jon @ Novel Investor writes 2014 IRA Contribution Limits Stay The Same – Do you know the IRA contribution limits can change each year? Find out the 2014 traditional and Roth IRA limits, complete with income phase-out tables.
Roger the Amateur Financier @ The Amateur Financier writes A Few Harsh Truths About Blogging – Some of the tricky things to learn about blogging, such as getting a server, getting assistance, and paying money to keep your website running.
Suba @ Broke Professionals writes Should You Learn to Fix Your Own Car? – Read my view on whether you should learn to fix your own car, and if it makes sense for you.
Crystal @ Budgeting in the Fun Stuff writes Marketing that Works! These Comercials Are Hilarious!!! – Mr. BFS and I have cable and we love our DVR. That means that I generally do not watch commercials.
Brent @ PersonalFinance-Tips writes Are You Covered? 5 Tips in Giving You Peace of Mind and Control over Your Future – While identity protection companies put the fear of financial ruin in people, the reality is that only 3% of the US population has any financial data stolen (guides.wsj.com) each year. If you are in the small percentage, however, it can wreak havoc in your life.
Mike @ Personal Finance Journey writes Stay at home and save while making the most of your garden this winter – When you want to escape the house during winter do you consider your home garden? 10 Ways you can use the home garden and save!
Wayne @ Young Family Finance writes Small Things That Make a Big Difference in Your eCommerce Business – When you’re running an eCommerce store, one of your most important assets is your customers’ loyalty. It’s not something you can buy, but it is something you can cultivate. Surprisingly, it’s the little things that make the biggest difference. Here’s what you can start doing now to make the best impression on your customers.
Mr. Frenzy @ Frenzied Finances writes Single Cent Problems: The Truth About The Penny – Looking at the history of the penny is a fun way to find meaning and the sense of miracle in something as small as one single cent.
SBB @ Simple Budget Blog writes Cruisin: How to Budget Your Vacation on the Seas – Going on a vacation on the seas? Here’s some tips on how to budget some of the extra items available on a cruise – so you and your family can have more fun.
Ted Jenkin @ Your Smart Money Moves writes Why Can’t We Do It All? – This question is often bandied about in regard to the endless quandary of many women who struggle daily…
Crystal @ Married (with Debt) writes Thanks to These Blog Carnivals – October 2013 to Current – Hi again! Every week, we submit our favorite posts to a variety of blog carnivals. When we are selected, it is common courtesy (and an expectation) that we link back to those that included us.
Bargain Babe @ BargainBabe.com writes Is Bankruptcy Better Than Debt? – Is Bankruptcy Better Than Debt? offers tips on saving money every day.
Don @ MoneySmartGuides writes Ten Tips for Choosing the Best Home Loan – Buying a house is stressful enough before even taking into account the loan. here are 10 tips for choosing the best home loan.
Eva Baker @ TeensGotCents writes Goodwill Training – Shopping with Sarah AND Eva – Sarah takes Eva on a night filled with fun, food, and Goodwill shopping tips. Who knew that shopping at Goodwill could be a competitive sport?
IMB @ Investing Money writes Railroads Increase Revenue from the US Oil Boom – The US Oil Boom is a big topic in politics, the environment and finances these days – and railroads increase the revenue from the boom! Read here.
Mrs. Accountability @ Out of Debt Again writes Who Should Pay For The Date? – To tell you the truth, I have not dated much in my life. But here are some thoughts on the topic!
Tushar @ Start Investing Money writes Write Down What You Spend: You’ll Save More – Do you have any idea how much you spend on a regular basis? This is a tricky question to answer unless you happen to write everything down. Few of us do this and that’s a shame – if we did we’d have a much more accurate view of our spending habits. But that’s not all.
Lindy @ Minting Nickels writes Know How To Spend And Manage A Credit Card Account Responsibly – Millions of Americans use credit cards; many people use their cards every day.
Cindy @ MidLife Finance writes 7 Lessons Learned From Bill Gates – 7 Lessons Learned From Bill Gates. It’s easy to find out what Bill Gates thinks…sort of.
Corey @ 20s Finances writes Optimizing Credit Cards – Are you missing out on this strategy with credit cards? Try to optimize your use of credit cards to earn more money with little hassle.
Cat Alford @ Budget Blonde writes Tips for Starting An eCommerce Store – If you are interested in starting an ecommerce store, this post contains several tips and tricks for cutting costs and making sure you turn a profit.
Maria @ The Money Principle writes Business in the European Union – how is it doing? – How is the European Union doing in the face of all the problems in the world? Has it achieved its founding 4 principles? We present a report.
JP @ My Family Finances writes Lost Health Insurance Because of Obamacare: Can I Still Sign Onto My Spouses Plan? – Spouses everywhere are taking a second look at their plans now that millions of Americans have lost their coverage due to Obamacare.
Minimalist @ Minimalist Finance writes Unusual Causes Of Damage That Warrant A Second Look At Car Insurance – One woman in BC submitted a car insurance claim due to a bear attack, and drivers should use the experience to find the right insurer for their needs.
Luke @ Learn Bonds writes Bond Buying Criteria – Looking at corporate bonds as an investment? Here are the criteria to look at when buying corporate bonds.
Tushar Mathur @ Everything Finance writes 7 Ways to Save and Make Money Right Now – There’s always a lot of reasons for the need to save money stat, but around the holidays, most of us feel the pinch on our wallets just a little bit more.
Kyle @ The Penny Hoarder writes Get the Tools to Increase Your Small Business Cash Flow – Increase your small business cash flow with business banking tools and cash management solutions. From managing your business cash flow online to automating payments, you can easily grow your cash flow and increase your bottom line.
Mayor @ Messy Money writes The Back Yard Oasis Money Pit – My hot tub adventure is a reminder that it is important to look at the total cost of ownership when making a big ticket purchase.
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?
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.
Amy @ Money Mishaps writes How to Liberate Yourself from Student Loan Debt – The student loan crisis in America is absolutely massive and does not look like it is going to get better anytime soon.
Adam @ The Cheapest Cars To Insure writes What Does Third Party Insurance Cover? – Know the important facts about your third party insurance inside and out before it’s too late.
Brian @ Luke1428 @ Luke1428 writes 5 Common Rental Real Estate Mistakes You Will Make – Even after researching the rental real estate market for over a year before our first purchase, my wife and I stil made a few mistakes along the way. Here are five big ones that many landlords make but are easily avoidable
Grayson @ Debt Roundup writes The Gift Of Debt – Enjoying My Hobby – I used to be in debt. When you get out of it, you realize that debt actually gave you a gift. The gift is different for each person and I am no different. Debt gave me many things, but it also gave me a new perspective on my finances. Debt gave me the ability to enjoy hobbies again without worrying where the money was coming from.
Thanks for reading, and for checking out this week’s edition of the carnival. This carnival is hosted every second week by My University Money and you can submit articles at Blogger Carnivals or Blog Carnival HQ.