42nd edition of the Carnival of Financial Independence


Hey everyone!

Welcome to the 42nd edition of the Carnival of Financial Independence, a selection of the best articles related to Financial Independence this week. If you would like to be included next week, please submit your post via Blogger Carnivals. If you would like to host a future edition, you can contact Pauline at Reach Financial Independence.

  • You can submit a post that was published during the last month
  • The posts have to relate to reaching financial independence, and fit within the following categories: Savings and Simple living, Travel and Lifestyle, Wealth and Passive income, Real Estate and Investing, or Self employment and Career.
  • Submit by Wednesday night for the Saturday edition
  • Please mention the carnival in your roundups if you have been featured!



Tushar @ Finance TUBE writes The Four Gift Rule – The four gift rule is based on simple promise. The holidays in US has become completely out of control. You can hear lots of parents talking about materialism saying it’s terrible and out of control. Yet they still have thousand gifts under the tree for their kids.

Mr. Frenzy @ Frenzied Finances writes Legal Listening: Music for Free – When people think of listening to music online, they think of listening illegally. The truth is that you can listen online and do it legally! Here’s how.

Cat Alford @ Budget Blonde writes How To Get a Classic, Simple Maternity Style – Even if a maternity dress costs more than you usually spend on clothes, I feel like pregnancy is one of those times where it’s okay it to feel comfortable.

Lauren @ L Bee and the Money Tree writes 3 Things I Learned from the Gratitude Project – Rather than run down a list of everything I was thankful for during the final week of my gratitude project, I thought I’d do a re-cap of everything I think I got out of this social experiment.

Bargain Babe @ BargainBabe.com writes Are Gift Cards Good Christmas Gifts? – DO gift cards make great Christmas and holiday presents – or are they a quick cop out? We debate the pros and cons of giving gift cards.

Crystal @ Budgeting in the Fun Stuff writes New Year’s Resolutions – 2013 Results and Starting Fresh in 2014! – With 2013 almost wrapped up, I thought I should probably review my New Year’s resolutions to see how 2013 turned out…

Ben Luthi @ The Wealth Gospel writes What People Living on Less Than $1 a Day Taught Me About Money – A few years ago I had the privilege of going to Fiji to help people. What I learned from them changed my life forever.

Dee @ Color Me Frugal writes Foiled an Identity Theft… Barely! – Identity thieves get sneakier every day! My recent encounter with an identity highlights the extreme lengths to which they will go. Find out how to avoid becoming a victim!

Jack @ Money Saving Ethics writes Holiday Travel Tips 2013 – If you are planning to travel this holiday season? If so, you definitely should start making plans as early as possible because, as most of us know, traveling during the holidays can be expensive, tiring and stressful.

Amy @ Money Mishaps writes Online and Mobile Retail make Black Friday practically obsolete – Ladies and gentlemen, here is a certifiable fact; marking down prices for Christmas is an American tradition. Here is another fact that is a bit newer; today, those markdowns and bargains come right to you at home so there is no need to actually go to the store to get them.

Andrea @ So Over This writes Avoid Travelocity and Their Poor Customer Service – I have explained in previous posts that I am one to rant, and this is my soapbox from which I stand. I feel like I am a magnet for poor customer service, and all the headaches that come with it.

Monica @ Monica On Money writes How My PT Cruiser Saved Me $27,600 – I bought a PT Cruiser in 2004 for $17,5000 and still have it today. Some people think that is crazy.

KC @ KrantCents writes Being Rich or Poor Is a Choice! – Rich or poor is a choice! I realize that some of you may feel this is controversial, but give it some thought.

Natalie @ Debt and the Girl writes Feeling a Little Stressed Out Lately… – I think this time of year is particularly stressful. I think this ever bustling time of year can be hard on a lot of people. This is true for me at least.

Alexa @ Single Moms Income writes A Day in the Life – I just thought I would give you a little glimpse into what life has been like over the past few weeks.

Alexa @ Defeat Our Debt writes The Costs of a Five Year Old’s Birthday Party – Kids birthday parties can be very expensive. Here is how much I spent on a birthday present for my five year old.

Graham @ Moneystepper writes Santa Rally and other market phenomena – are they real? – Santa Rally and other market phenomena – we often hear these phrases being said. But does the data support the existence of the Santa Claus Rally?

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 as she is due with her first child in the coming year. Although the couple have declined to reveal their due date, they likely are expecting to set aside a budget for their baby, even with their high incomes.

Sustainable PF @ Sustainable Personal Finance writes How Mobile Banking Can Help You and the Environment – Thanks to technology, it is possible to stay on top of your banking anytime you want. Not only is this helpful for you, but it can also be helpful for the environment.

Kathleen @ Frugal Portland writes Year-End Review: 2013?s Love List – Last year, I made a list of things I would love to do. Did I?

David Leonhardt @ World Vacations Travel Blog writes Six Cheaper Ways to Use Your Cell Phone Internationally – Even if you arrive home from an international vacation to find all your doors and windows intact and your belongings untouched, you might still have been robbed. Just wait for that cell phone bill to arrive! Here are six ways to protect yourself.

Alice @ Drop the Cookies! writes Stop sabotaging your weight loss by waiting for a fresh start! – Whether your fresh start is beginning on a Monday, the 1st of the month, the new year it doesn’t matter. The main point is that you are waiting, not acting right now.



Moneycone @ Money Cone writes 10 Questions You Must Answer To Stay On Top Of Your Portfolio – A review of Personal Capital and how it can help an investor manage his assets.

Roger the Amateur Financier @ The Amateur Financier writes Just How Long Should Copyrights Last? – A discussion of copyrights, how long they currently last, and just how long they should last, mostly focusing on how our copyright laws are too long.

Crystal @ Married (with Debt) writes How I’d Spend a Holiday Bonus – I was recently asked how I would spend a small windfall like a holiday bonus….here’s what I would do…

Mrs. Accountability @ Out of Debt Again writes Arizona Tax Credits – No Itemization Required in 2013 – If you’re in Arizona, you may be able to divert some of your tax dollars to charitable organizations, rather than to pay them to the state.

Don @ Money Reasons writes Does Kiddie Tax Create Inequality – I wonder if anyone thinks about how unfair “Kiddie Tax” to kids and young adults? If you think about it, it’s pretty obvious that it discourages young adults from investing. Is the government indirectly creating wealth inequality?

Dominique Brown @ YourFinancesSimplified writes Passive Income-Foolish Fantasy or Doable Daydream? – Some people view the concept of passive income in the same light as others view the perpetual motion machine and cold fusion … a great idea but pure fantasy

Miss T. @ Prairie Eco Thrifter writes Roth IRA Conversion? Better Wait and See – I know that most folks don’t take a generational view of wealth management, and that it is somehow frowned upon by Americans, but I want my kids and grandkids to have a leg up and if I can help with that, I intend to do so. However, it sounds like using a stretch Roth IRA won’t be a way to do it so it’s back to the drawing board for me.

Emily @ Evolving Personal Finance writes The Thinking Person’s Guide to Dave Ramsey: Reasonable Baby Step Modifications – While sticking to the structure of Dave Ramsey’s Baby Steps, what are the possible modifications you can make to them that could help increase net worth?

Christopher @ This That and The MBA writes 4 Ways to Grow Into Financial Independence – Becoming financially independent from your parents can seem daunting. For many, it means getting a job, moving out, opening a personal checking account , establishing credit, and saving. This can be a tall order for those who have no experience with finances or living on their own.

Justin @ Root of Good writes 11 Tips To Finish The Year Strong – Don’t make a huge financial mistake by ignoring these 11 things you have to do before 2013 comes to a close.

Alice @ Hurricanes, Panties & Dollars writes The pterodactyl retirement plan – An interesting conversation, a plan to trap a pterodactyl and waking back up in the real world. Plus a fun, catchy video and perhaps a little talk about retirement.

JC @ Passive-Income-Pursuit writes Net Worth Update – November 2013 – After November’s net worth increase I’m approaching $500k in assets and I’ve already passed my revised net worth goal for the year. The journey to this point has been truly amazing and looking at the chart shows what the combination of a high savings rate and determination can yield.



Holly @ Club Thrifty writes 8 Investing Excuses We All Make – When it comes to not saving enough, we all make investing excuses from time to time. Read this post for eight investing excuses we have all made.

SBB @ Simple Budget Blog writes Renters Insurance: All the Pros, None of Cons – There are no cons to purchasing low-cost renters insurance for your apartment or home. Here are a few reasons why.

Lindy @ Minting Nickels writes Facing Your Fear of Investing – There are those who love investing and are comfortable doing it seemingly from day one.

Hank @ Money Q&A writes Five Regulations Landlords Need To Know About Renting To Tenants – In the midst of the UK’s housing crisis, it’s difficult to be a tenant. It can also be difficult to be a landlord in this climate though and there are regulations landlords need to know.

Tushar @ Start Investing Money writes How Important is the Internet When Looking for Investment Data? – There is no doubt the internet has completely transformed our lives in lots of different ways. Some people are now able to work entirely from home thanks to the internet. Others are able to keep in touch with friends and family more easily.

IMB @ Investing Money writes Janet Yellen’s Testimony and What it Means for Investors – Soon, Ben Bernanke’s role as Chairman of the Federal Reserve and Janet Yellen is nominated to replace him. What does this mean for us? Read here.

Jacob @ My Personal Finance Journey writes How to Spot Money Making Opportunities – We all want to invest but we usually don’t take the right steps in good time. However, this post teaches us on how to spot simple and easy to implement money-making opportunities.

Matt Becker @ Mom and Dad Money writes Should Young Investors Really Fear a Market Downturn? – For younger investors, the fear of market downturns really needs to be challenged. In fact, the biggest risk we face is not the big market downturns, but failing to participate in the big market rallies.

Derek Chamberlain @ MoneyAhoy writes Investment Tips – Invest at the Point of Maximum Pessimism – I discuss this investing tip and recount a personal story of how I tried to time the market and failed miserably!



Suba @ Broke Professionals writes Embrace Workplace Change for Career Success – Embrace Workplace Change for Career Success is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. “Grant me the serenity to accept the things I cannot change, The courage to change the things I can!

Jim @ Critical Financial writes Create A Second Income Or Business To Fund Your Health Insurance Premium – Back in September of 2012, the Kaiser Foundation reported that the average employer sponsored health insurance premium was $15,475 for a family of four. That’s an average of nearly $1,300 per month, or roughly the size of a modest house payment.

Kyle @ The Penny Hoarder writes What Makes a Good Accountant? – According to the U.S. Bureau of Labor Statistics’ “Occupational Outlook Handbook,” there are a few concrete traits and educational requirements that make up a good accountant. These include analytical skills, being detail oriented, possessing a great ability to compare, interpret, and analyze complex figures, and having keen organizational skills.

Don @ MoneySmartGuides writes How To Find Work – Do you want to know how to find work? Here are 6 tips for you to land a great job. The best part – all of these tips can easily be done without much effort on your part.

Ben Luthi @ The Wealth Gospel writes How to Waste Time and Kill Productivity – Even though I don’t waste large amounts of time, I still find myself shooting myself in the foot by doing these two things

Dollar @ Easy Extra Dollar writes Best Ways To Make Money Online – Online working is an eye-catching job but there are certain scams in this job. So people want the jobs in which there income safe and they got their income easily without any difficulty. So following are the ways from which you can earn good and scam free money.

John @ Frugal Rules writes How to Save Time as a Blogger: Hire a Virtual Assistant – Managing a blog can take a lot of work, especially when you’re the only one working on it. Hiring a virtual assistant can be a great way to maximize your resources, allow you some time off and grow your blog for the future.



Eva Baker @ TeensGotCents writes Affordable Christmas Gifts – Looking for affordable Christmas gifts? Here are some ideas and tips on how to keep costs down at the holidays for teenagers!

Richard Adams @ Frugality Magazine writes Buy Books Cheap: How To Save 24% When Buying Books Online – If you’re an obsessive reader like me, yet hate to spend unnecessary money, it makes perfect sense to try and buy books cheap. Fortunately – as you’re about to see – there is a simple yet effective way to buy books cheaply online and save a surprising amount of money on what you would have spent shopping elsewhere.

Little House @ Little House in the Valley writes DIY Holiday Gifts: Cookie Exchange – This year, I’ve been invited to a cookie exchange. Basically, I bake one type of cookie, bring a huge amount (because we’ll be taste testing and swapping), then package them up as gifts. I’ll leave the event with about 60 different types of cookies packaged into a handful of gifts. It will be another great way to give gifts to colleagues and friends without spending a ton of money.

KK @ Student Debt Survivor writes Are Community-Supported Agriculture Shares a Good Deal? – CSA shares are a healthy way to get your day’s worth of fruits and veggies, but are they unhealthy on the wallet?

Brock Kernin @ Clever Dude writes My Son’s Christmas List Revealed – How Much Do You Spend on Kids For Christmas? – I’m always curious what other people spend on their kids for Christmas. Check out the list we have for my son, and tell me what you think!

Lazy Man @ Lazy Man and Money writes Gift Cards: A Guaranteed 20% Return on Your Money? – You don’t have to give gift cards to take advantage of the promotions out there; you can use them yourself throughout the year. So if I was going to spend $20 at Taco Bell in the next year, why wouldn’t I just buy the gift card and get a free lunch worth around $4?

Little House @ Little House in the Valley writes Homemade Gift Jars and Cookies – For those unfamiliar with a cookie exchange or swap, the goal is to end up with about the same amount of cookies you baked, but a larger selection for gifts. Here’s what I learned from my first attempt:

Miss T. @ Prairie Eco Thrifter writes Are You Daring Enough to Use Eco-Friendly Feminine Hygiene Items? – Feminine hygiene products can be better for you and your wallet. Here are the details you need to know

Mr.CBB @ Canadian Budget Binder writes A dog is for life not just for Christmas – As with many pet owners and this time of year I can be sure that they’ll be at least one present under the tree for your four-legged friend.

4 Responses to 42nd edition of the Carnival of Financial Independence

  1. Great list of reads, I must say, and that’s not because one of ours was mentioned for which I would like to say thanks but because for sure there are many great ideas to be picked up and be applied in one’s own. There’s enough on the list to last the coming Christmas break and I find that great!

  2. Thanks for hosting, and for including my post!

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