Finance Carnival for Young Adults: Cinco De Mayo Edition

by Julie Wilson on May 5, 2013

in Blogging

Happy Cinco De Mayo!  I am thankful for the opportunity to be able to host the Finance Carnival for Young Adults! Celebrate by reading these great submissions!  Enjoy!


Roger Wohlner @ The Chicago Financial Planner writes Target Date Funds: 6 Considerations Before Investing – Target Date Funds are a popular option in many 401(k) plans. Here are 6 considerations to think about when deciding whether Target Date Funds are right for you.

Deacon @ Well Kept Wallet writes Save Money With A Refillable K Cup for Your Keurig – I drink coffee almost every day and it can be an expensive habit. If you own a Keurig, which is a single cup coffee maker, then you know how pricey it can be for just one cup of coffee. I was at a Starbucks yesterday and a 12 pack of Pikes Place K-cups was $11.95 which comes out to about $1 per cup of coffee.

AxeMan @ Axe Debt writes Ways to Cut Expenses – Cutting your expenses can be a great way to get out of debt fast. It is amazing to see how much goes out every month to pay for our lifestyle. Even if you don’t live extravagantly it can be easy to overspend and not even realize that you are doing it.

Michelle @ Making Sense of Cents writes Should I Pay Off My House Early? – Pros and Cons – Should we pay off our house early? What about the next house? Don’t worry guys, we haven’t bought our next house just yet. We’re keeping our current one for at least another 12 months. However, we have been thinking about whether we should pay off our current house quickly (we have been debating whether we want to rent it out or not – if we decide to sell then we of course wouldn’t pay off the current house quickly) and even whether or not we should pay off our next house quickly as we

Alexis @ FITnancials writes My Plans For College – Bachelors Degree in Dietetics – After 2 years of being out of high school, I have finally decided what I want to do with my life. I will be starting my associates degree in the summer of 2013, and getting as many credits possible at my local community college that will transfer over to the university I want to go to.

Emily @ Evolving Personal Finance writes How to Price a Room for Rent – There are several methods for how to split rent among multiple roomates or to price a room in your home.

Lance @ Money Life and More writes Buying a Home: Is a Small Down Payment Actually a Big Deal? – When you don’t have a large down payment of at least 20% and you’re trying to buy a house, FHA loans are one option that has been popular in the last few years due to the low minimum down payment of 3.5%. Unfortunately, these mortgages have a ton of fees and they’ve recently drastically increased.

Dorethia Conner @ The Money Chat writes Gambling on Your Future – Gambling can become incredibly serious and ruin your personal financial plan if not kept in check.

Mike @ The Financial Blogger writes Getting Rid of Google Once and for All – Why we are done with Google.

Green Panda @ The Financial Blogger writes 10 Shortcuts For Always Feeling Damn Amazing – Tips for being on top of the world.

Pete @ Intelligent Speculator writes The Time Has Come…I’m Buying Apple – Why Apple is my next purchase.

Martin @ Studenomics writes The Economics of Your Love Life in Your 20s — The Article Nobody Else Will Write – How being single can cost you money/save you money.

eemusings @ NZ Muse writes Funding our RTW trip – How to travel and work around the world.

Blair @ Life, Dollars, and Sense writes Pay Yourself First- Easy Savings Method – Why multiple bank accounts and automatic transfer help to make personal savings a priority.


Robert @ My Multiple Incomes writes Understanding the Future of Your Credit Score After Saying “I Do” – On your wedding day, when you recite your “I do’s,” you’re not only agreeing to a life together for richer, for poorer, through sickness and in health, but also to a life in which you share nearly everything. You’ll share your house, cars, friends, and family, and you may even inherit your spouse’s Chihuahua and last name.

Robert @ Entrepreneurship Life writes Business Lifestyle Choices – Bookmaking – With William Hill being one of the oldest bookmakers in the United Kingdom, it is of no surprise that their adaptation to the online betting industry is nothing but seamless and efficient.

Robert @ Beat the 9 to 5 writes Side Business Time Management 101 – The hardest thing about building a side business is time management, especially as your business grows. This has been something that I’ve perpetually struggled with, especially as my business has grown over time.

Robert @ Kids Ain’t Cheap writes How to Have Family Fun on a Budget – As a parent, you want to provide your kids with the best and you are looking forward to all family fun opportunities. Sometimes, however, financial limitations stand in the way of having a good time.

Roger the Amateur Financier @ The Amateur Financier writes 8 Ways to Save Money While Saving the Earth – A list of methods to cut down your environmental impact while also saving money, including methods of reducing, reusing, and recycling in your life.

JP @ My Family Finances writes US vs. UK banking: what’s the difference? – For the past few centuries, banking has made looking after money incredibly convenient, no matter what country each banking institution is in.

Kevin @ writes Cheapest College Towns to Live In – College towns can be the greatest places to live in since the rents can be inexpensive. To describe them in a few words would be lifestyle and value.

Luke @ Learn Bonds writes Barbell Strategy – What it is and How it Works – A barbell strategy are simply another way to try and deal with interest rate and reinvestment rate risk. Here’s how barbell strategies work in bonds.

R.J. Weiss @ The Insurance Protection Blog writes What parts make up a homeowners insurance policy? – Understanding what’s covered and what’s not when it comes to home insurance.

Will @ Card Guys Blog writes Credit card applications – how to reduce the headaches – As handy and convenient as credit cards are, the same cannot be said of credit card application forms. Here is your guide to avoiding headaches when completing credit card applications.

Tushar @ Start Investing Money writes Why Stock Market Investing Isn’t Gambling? – If you are looking to be entertained, gambling online will probably be better than stock investing. You can click here to experience an online casino site, and get the chance to win, or lose, big money.

Sam @ Simplefinancialfreedom writes Reverse Mortgage FAQ – The HECM or home equity corporation mortgage is actually an FHA reverse mortgage. It is used to withdraw on the equity of your home.


Corey @ 20s Finances writes Preparing for Next Year’s Taxes – For most of us, income taxes are a major annoyance, but the overall stress or frustration is usually unnecessary.

Suba @ Broke Professionals writes Freelancers: Making Sure You Don’t Owe Uncle Sam In 2013 – If you do freelance work – or any type of second job – it can be tough to pay the right amount of income taxes. A worksheet on your W-4 can fix that.

Steven @ MyDividendStocks writes Passive Income the American Dream – People always chase after the American Dream. They dream of sleeping in every day, pursuing their favorite hobbies and work when they want. They dream of going to the mailbox every day and receiving a check for not working at a job in years.

Jacob @ AllPersonalFinance writes Understanding Exchange Rates – More people are becoming interested in foreign exchange trading. However even though many people are considering foreign exchange trading they do not have the education necessary for successful trades. Forex trading is an entirely different type of trading than traditional stock market trading.

Ray @ Squirrelers writes Do You Hoard Vacation Days – Most of us really like our vacation days, and look forward to using them. Do you carefully budget and plan them, or do use them freely?

krantcents @ KrantCents writes 10 Things You Don’t Know – 10Things You Don’t KnowThings You Don’t Know, Math, Soft Skills, Food, Personal Finance, Love, Women, Men, Mind, Animals, Future, Self -Assessment

Tushar @ Finance TUBE writes Is Now The Right Time to Buy A Home? – Today i will be talking about Is Now The Right Time to Buy A Home? According to the media now is the perfect time to buy a house. Housing prices may be free from the laws of gravity but they are not free from the laws of economics.

Robert @ The College Investor writes The Machines Rule Us Now – A Lesson in the Stock Market – Yesterday was a very interesting day in the finance world. It was the perfect duopoly – terrible fake news and great positive news.

Michelle @ The Shop My Closet Project writes Are you growing your best life? – For the purpose of this post I want to take this a step further and ask are you doing the things that you need to do to grow your best life? I would argue that most people aren’t putting enough time into creating the life that they would like to live because it may feel overwhelming.

Crystal @ Budgeting in the Fun Stuff writes Have You Heard of Kickstarter Yet? Hubby is a Fan! – Have you heard of the site, Kickstarter? It is used to get creative projects funded. Projects like board games.

Abbie @ Finance Junkie writes Fool- Proof Plan To Rebuilding Your Credit Rating – If you have messed up your credit rating but now you have grown up and need to fix it, this is an easy to understand and very simple guide to sorting it out.

SBB @ Simple Budget Blog writes Pink Slips: Budgeting While Unemployed – Stuck in a rut? Unemployment can be tricky, but we can help. Read here for helpful tips on how to budget your way through a period of unemployment.

David Bar @ Bar Whiz Blog writes What To Tip Your Server (in varius countries) – Tipping is almost universal, but the “going rate” is different in each country. This handy guide will help you travel without losing face when it comes time to leave a tip.

Mr. Frenzy @ Frenzied Finances writes Getting Creative: How to Reuse Items to Save Money – There are many items you can reuse for similar or even different purposes around the house. It’s a great money saver. Here are tips on how to reuse items.


Brent @ PersonalFinance-Tips writes How to Know Your Tax Benefits: – A tax benefit refers to a number of economic bonuses. It consists of “tax-reduction”, “tax deferring” and “tax free” investments. This benefit offer “retirement schemes” and also provides “incentive savings”.

Jester @ The Ultimate Juggle writes Spring Cleaning: How to get rid of clutter – It is quite amazing how quickly clutter can grow around the home. Those old, unwanted things just seem to multiply, taking up the already limited living space you have. That’s the problem when clutter builds up. When it comes to getting out that feather duster, the simple task of cleaning becomes torturous.

John @ All Things Finance writes Teaching Your Teenager About Credit Cards – Teaching your child financial responsibility is one of the most important tools you brace them with. Unfortunately we can’t rely on them learning any financial skills in school so it’s our responsibilities as parents to prepare our kids the best we can.

John @ Fearless Men writes Minimum Balance Nightmare: Why It Pays to Overpay [Infographic] – Credit card debt is racking up in many households, and people want to be set free from it. It can kill a man’s present–and future. Don’t get sucked into the cycle of only paying the minimum balance-that’s a nightmare. It pays to overpay, and the below infographic will tell you why.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes 3 EASY JOBS TO GET WHILE IN COLLEGE – Make money in college. 3 high paying jobs for college students.

CAPI @ Creating a Passive Income writes Changing Mindsets: Switching from Short-Term to Long-Term Thinking for Finances – Regulating your finances isn’t a short-term game. It’s important to be sure you have money down the road. Here’s tips on switching to long-term thinking.

Kyle @ The Penny Hoarder writes Ebay Surprise: Making Extra Money with Other People’s Stuff – I love spending money. I would eagerly waste my hard-earned money on clothes, bag, shoes, makeup and more. After years of this unfortunate habit, I reached a point where I couldn’t deal with the guilt. I could’ve saved enough for a house by now — or at least a nice condo.

LaTisha @ Young Finances writes Car Leasing for Businesses – Business owners have started to consider car leasing as a new financial vehicle. This is because auto leasing is going to save them thousands of dollars.

Matt Becker @ Mom and Dad Money writes The Experts Can’t Pick Stocks. Can You? – Most investment advice makes picking stocks sound pretty badass. Here are some facts that might make you think twice.

Hank @ Money Q&A writes This Week’s Podcast with Adam Shepard the author of “One Year Lived” – Adam Shepard shows us in his new book, “One Year Lived” that you do not have to give up on your bucket list and your dreams. I talked to him on our podcast, Your Money Your Choices, this week about bucket lists.

Wayne @ Young Family Finance writes Don’t Panic: Controlling Your Fear During Financial Emergencies – Financial issues weighing you down? It happens. Here are tips on how to keep your calm and control your fear in these financial emergencies.

Marvin @ Brick By Brick Investing writes Investing Is War – A detailed correlation between Sun Tzu’s timeless writing “The Art of War” and stock investing.

IMB @ Investing Money writes How to Execute a Winning Trade – Have some stocks you’re looking to trade? You want to be able to execute a winning trade to get the most out of your stocks. Read here for tips on trading.

Tony @ We Only Do This Once writes How I Quit My Day Job – Well, I did it. I gave notice to my employer. 60 more days, and I am leaving my job. Here’s how I did it.

Jon Haver @ Pay My Student Loans writes Let Family Help Pay Off Your Student Loans – There is no doubt that the expense of sending a child to college is increasing every year. Although there are a variety of student loans and grants available, they often do not cover the entire cost of a college education. In addition, such methods of financing a child’s education often leave a struggling college graduate with large amounts of debt. At GradSave, parents have another option for helping their children pay for the expense of college without having to rely on student loans.

Ryan @ Cash Money Life writes Are Health Savings Accounts (HSAs) Going Away? – With the coming changes to healthcare laws, will your Health Savings Account vanish? Will your premiums rise? Here’s what you need to know.

Arnel Ariate @ Money Soldiers writes 4 Factors to Consider Before Starting a New Business – Don’t think about the negatives when you’re starting a new business, just stay realistic. To maximize your success and minimize your risks, start thinking about profits, taxes and what it takes to get started.

Everything Finance @ Everything Finance Blog writes Getting Your Finances in Order Before You Have a Baby – It can be completely overwhelming, both financially and emotionally, to think about adding a new addition to the family. But it’s also impossible to think that you’ll ever feel completely ready to take the pregnancy plunge. Here’s what we’re talking about in preparing financially for a baby:


Gary @ Gajizmo writes How To Make Money From Home – Saving money and living below your means is fundamental to financial independence, but more importantly, families need to find ways to grow their income. This article can help you get started by giving examples of the best ways to make money from home or online. We discuss factors to consider, resources to check out, and the viability of business ideas.

Maria @ The Money Principle writes 5 Ways to Make Money before you Start University – Going off to university is expensive; if you make money and set up a ‘university nest egg’ before you start you will find it much less financially stressful.

Daniel @ Sweating the Big Stuff writes First Quarter Business and Personal Finance Goals Update – it’s been 3 months since I set my 2013 goals. Here’s how I’m doing so far.

Miss T. @ Prairie Eco Thrifter writes How to Decide on a New Car – Here are some tips and things to think about to make the car buying decision a little easier.

Amanda L Grossman @ Frugal Confessions writes How to Reap High Happiness ROI – Many of us have learned over the years that physical things do not make us happy.

MMD @ My Money Design writes Another Reason Why You Need Emergency Money – For Stupid Car Repairs – If you think having $1,000 of emergency money is going to cut it, think again! This week I’ve spent more than I ever anticipated on stupid car repairs.

MMD @ IRA vs 401k Central writes Is a Self Directed 401k Plan Right for You? – What do you do if you’re self employed or you want more than what your employer’s retirement plan offers? You apply for a self directed 401k.

John @ Card Hub writes Understanding Audits: What Taxpayers Need to Know About Triggers, Procedures & Penalties – For those consumers who rushed through their returns or, even worse, tried to pull a fast one on Uncle Sam, April 15 might very well mark the beginning of a nerve-wracking waiting game.

Ross @ Wallet Hub writes Changes to the Mortgage Interest Tax Deduction – As budget debates have consumed Washington, eyes have turned towards modifying the mortgage interest deduction.

Investor Junkie @ Investor Junkie writes The So Called Experts. . .Aren’t – Media supplied expert advice is free, and as we all know, you get what you pay for! Be careful in accepting the advice of any expert.

Debt Guru @ Debt Free Blog writes 10 Mistakes to Avoid Right Out of College – Just graduated from college? Congratulations! Now the real battle starts. Read here for tips on avoiding these common money mistakes post-graduation.


Mike @ Personal Finance Journey writes How to Pay Off Multiple Payday Loans – Easy ideas and solutions on paying off multiple pay day loans when you find yourself in a bind.

SFB @ Simple Finance Blog writes How College Students Can Save Money – While paying off student loans and college tuition continue to be financial burdens on most college students, saving money seems to be almost impossible in today’s world of temptations.

Kevin @ Passiveincometoretire writes Making Money from Tax Liens – 1. You can make a decent amount of money from tax liens if you are willing to do all the leg work to get it. Here are a few tips to get you started. 2. Make a list of all the courthouses in your area. Write down the address, phone number, website and contact information.

Ted Jenkin @ Your Smart Money Moves writes Is Your Retirement Plan Full Of Swiss Cheese – Last year, I did a piece on retirement planning assumptions.

Lauren @ L Bee and the Money Tree writes Is it FOMO? Or just me being afraid people will like me less? – Oh, you know FOMO? Fear of Missing Out? I thought it was ruling my life and my wallet lately, because even though I have been whining about my full financial plate this month, I still kept saying yes to each and every invitation thrown my way.

Don @ MoneySmartGuides writes Understanding Risk Tolerance – In order to be a successful investor and meet your long-term goals, you need to understand your risk tolerance so that you stay invested in the market.

DJ @ Money for College Project writes How to Create Your Own Scholarship – A radical change in the traditional scholarship method. Much like bootstrapping your own business, we show you how to build your college scholarship portfolio from the ground up using corporate sponsors.

Tushar @ Earn More and Save writes Save Money: Combat To Disaster with Help of Online Backup Apps: – Many of the people are using their computer for running their small to medium size business. Large business has a lot of computer for the proper functioning of their work.

John S @ Frugal Rules writes The Cost of a Bad Credit Score – A credit score can be used to determine many things from rates on loans to eligibility for certain jobs. By protecting your credit score you can help yourself potentially save a good amount of money over time.

Grayson @ Debt RoundUp writes How A Door-to-Door Salesman Caused Me to Bite – Here comes a true story about how a door-to-door salesman was able to pitch me into a sale. It was the first and the last time that has ever happened! I let an alarm system salesman get the upper hand during a conversation in my driveway as I built a dog house. I needed what he sold, but I didn’t research the deal well enough. I ended up paying for it in the end. Take a gander at how a door-to-door salesman got me to bite on his pitch.

Mr.CBB @ Canadian Budget Binder writes Junk to Funk: Some Woman Down The Road Left Me With Hardwood – It’s not everyday I come across a money maker in the streets for free but when I do see it I jump on it. Often a simple DIY project can yield you savings in your budget or profits to your bank account if you can sell it. Watch me turn junk into funk and save!

Sean @ One Smart Dollar writes 5 Popular Craigslist Scams to Watch Out For – Craigslist can be a great place to buy and sell items however it also comes with risks. Here are some of the biggest Craigslist scams to watch out for.

Shannon McNay @ ReadyForZero Blog writes Lifelong Goals Are the Key to Motivation – If you’re just getting started with financial planning, then don’t miss this post! Read on to find out why setting lifelong goals is the key to motivation for financial goals.

Nick @ A Young Pro writes How to Advance in Your New Career as a Gen Y Employee – So you are a Gen Y employee starting a new career? Learn how to follow the 20/80 rule to get your career of to a great start and rise through the ranks.

Jon @ Novel Investor writes Stock Split, Reverse Split, & Your Shares – You here about companies announcing a stock split or reverse split all the time. What is it and how does that split affect your shares?

Jim Weston @ Going Political writes How to Get Involved in Politics as a Teenager – Getting involved in politics as a teenager is an interesting career choice, but one that can be rewarding.

Dividend Growth Investor @ Dividend Growth Investor writes Twenty Dividend Stocks I Recently Purchased for my Dividend Portfolio – I had an old 401 (k) with Fidelity, which was eligible for a rollover. In early April I cashed out the index funds in it, and rolled the money over into an IRA. After that I decided to equally allocate the money in twenty individual dividend stocks.


KK @ Student Debt Survivor writes Spending Without Spouse Approval – There have been a lot of posts in the personal finance blogosphere recently about whether you should merge your finances together when you get married. But what about discussing large purchases with your partner? Should you spend without spouse “approval?”

Michael Kitces @ Nerd’s Eye View writes Is Capital Loss Harvesting Overvalued? – Capital loss harvesting has long been a staple of investment tax strategy – so much that the Internal Revenue Code has special “wash sale” rules to ensure that the technique is not overly abused. But the reality is that harvesting losses just defers taxes – it doesn’t avoid them entirely – and as a result, the benefit of the strategy is far less than most realize, and often outweighed by the risks!

harry campbell @ Your PF Pro writes Writing Off Moving Costs During Tax Time – The IRS provides a lot of deductions for hard working Americans like us but a lot of people are unaware of them or maybe scared of an audit. I say bring it on, as long as you have the receipts and proof to back it all up, you should take advantage of every deduction available out there. The ‘moving expenses’ deduction is one of the more valuable ones since it’s above the line, meaning you don’t have to itemize to take advantage of it.

JC @ Passive-Income-Pursuit writes Stock Valuation Method – Discounted Cash Flow – Continuing with my stock valuation series, I look at the Discounted Cash Flow method. If you’re not sure what it is, how to use it, or just want a useful spreadsheet to calculate it for you, stop on by.

Jules Wilson @ Faithful With a Few writes Why We Want To Start A Giving Account – A giving account is a great way to set aside money in order to be a blessing to someone else. Make sure you have this in place, so you can respond when there is a need.

PK @ Don’t Quit Your Day Job… writes Crude Oil Price Return Calculator – Brent and West Texas Intermediate – Younger folks might not have an eye for the commodity market, but this calculator lets you get intimate with crude without investing! Roughly 30 years of daily returns on Brent and WTI Crude.

Glen Craig @ Free From Broke writes BankAmericard Cash Rewards™ Credit Card – Review – The BankAmericard Cash Rewards ™ credit card is an easy to understand card that gets even better if you have other accounts with Bank of America.

Jules Wilson @ Fat Guy,Skinny Wallet writes Scrap Booking On A Budget – Cheap Scrap booking Ideas can help you go from expensive hobby, to a cost-effective way to cherish your precious memories. Here are 5 ways to scrapbook on a budget.

Glen @ Credit Card Smarts writes Which Cash Back Rewards Are Best: Rotating Categories, or Set Cash Back? – Cash back rewards cards are awesome. But which is better – a set cash back card or a rotating category?

Tanya Moat @ The Heavy Purse writes The Sweet Spot: Where Spending and Frugality Coexist – Shannon shares how to find your sweet spot – where you allow yourself to buy what you want without guilt or debt.

Jessica Moorhouse @ Mo’ Money Mo’ Houses writes Rich Dad, Poor Dad’s Robert Kiyosaki & a TV Giveaway! – Robert Kiyosaki is famous for his books all about personal finance and becoming rich, but is he the real deal or just a good salesman?

Jason Hull @ Hull Financial Planning writes 55% of Married Men are Peter Griffin Clones – Find out what 55% of married men have in common with Peter Griffin from the Family Guy

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SB @ One Cent at a Time May 5, 2013 at 7:53 am

Thanks for hosting and including our post

Sean @ One Smart Dollar May 5, 2013 at 10:06 am

Thanks for including me this week.

krantcents May 5, 2013 at 10:18 am

Thanks for inclusion and hosting, I really appreciate it.

Blair@LifeDollarsandSense May 5, 2013 at 12:39 pm

Thanks for including my submission!

Jason Hull May 5, 2013 at 7:49 pm

Thanks for hosting and choosing my article!

Brick By Brick Investing | Marvin May 6, 2013 at 5:35 am

Thanks for hosting and mentioning my article.

Matt Becker May 6, 2013 at 8:01 am

Thanks for the include and thanks for hosting!

Cloud Servers May 6, 2013 at 9:58 am

Wow this is quite the list on articles, I checked out a good amount of them already. I have saved this post and forwarded it to my nephew is has just turned 16. I’m trying to make sure he has all the info he needs to be smart and stay out of debt before he goes to college.

Roger @ The Chicago Financial Planner May 6, 2013 at 10:23 am

Thanks for hosting and for including my post.

Glen May 6, 2013 at 10:27 am

Thanks so much for hosting and including out article on cash rewards!

KC @ genxfinance May 6, 2013 at 11:22 pm

This is an awesome carnival. Read a couple of posts on the list and they’re really good. Thanks.

Todd @ Fearless Men May 7, 2013 at 2:53 am

Jeez this is a gargantuan list! Well done reading and summarizing all these! And thanks for including Fearless Men!!

Dorethia @TheMoneyChat May 12, 2013 at 5:43 pm

Thanks for the mention! Great roundup of financial info!

KK @ Student Debt Survivor May 12, 2013 at 6:47 pm

Sorry, I’m making it over so late. Thanks so much for including me!

Grayson @ Debt RoundUp May 13, 2013 at 9:24 am

Sorry for being so late, but thank you for hosting and including my article.

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