Carnival of Financial Independence, 27th Edition


Silverstrand, Cape Town/William Cowie

The guidelines are:

  • 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!


Travel and Lifestyle

Cat Alford @ Budget Blonde writes How to Make Your Dream Holiday Within Reach – If you want to go on a dream holiday but can’t afford it, here are some tips to make it within reach!

Mike @ Personal Finance Journey writes Quick Ways to Decorate your Bedroom on a budget – Easy simple ways to decorating your bedroom on a tight budget that still gives that new bedroom feeling.

THE BOSS @ Like A Boss Blog writes How To Make Money From Your Garden – There are plenty of ways people can make money and here is another- your own garden could be the key to earning you some extra cash!

Tushar @ Earn More and Save writes Tips On Setting Up A Bank Account Whilst Abroad – Offshore banking is frequently linked with a high point of financial superiority. Nevertheless, the truth is that the common person can set up an overseas bank account with only some hours of work.

krantcents @ KrantCents writes 12 Things that Successfully Convert a Great Idea into a Reality – 12 Things that Successfully Convert a Great Idea into a Reality. These are the things that work best for me.

Amanda L Grossman @ Frugal Confessions writes Get All those Sexy Nutrients for Less – Sexy drink beverages, supplements, and super foods sourced from exotic locations—the Amazon, the Himalayans, the Andes—and promising amazing benefits have flooded the grocery market.

Roger the Amateur Financier @ The Amateur Financier writes 10 Items for Your Last-Minute Travel Checklist – A list of things to take while traveling, including money, clothing, water, toiletries, clothing, passports, and medications if needed on your trip

Ryan @ Cash Money Life writes What You Wear Matters … When You Shop – Dressing the part can play a large role in getting a good deal, or being treated well by store clerks, especially in high end shops and car dealerships.

Abby Hayes @ ReadyForZero Blog writes Spender/Saver Tension? How Weekly Budget Meetings Can Save Your Finances (and Your Marriage!) – Couple budgeting is never easy. This article shares tips on getting organized and working together – so you can protect your finances and your marriage!

Matt Becker @ Mom and Dad Money writes Buying a Car: Setting a Budget and a Timeline – This is the first in a 6-part series on buying a car. Today we talk about setting a budget and a timeline for your purchase, both of which set up a framework that focuses your decision-making process and will help you make a better final choice.

Crystal @ Budgeting in the Fun Stuff writes 45 Activities with Kids on the Cheap – Here is the list of 45 activities with kids that I’ve come up with that can be done even with a tiny budget. Cheap children’s activities.

Tushar Mathur @ Everything Finance writes Three Tips to Prepare Your Family For the Cost of Aging – Admitting that your loved one is getting older is hard but not as hard as trying to figure out how your family will afford the overwhelming costs associate

MR @ Money Reasons writes Both Best and Worst Personal Financial Times This Year So Far – Oddly, I’m having both the best and worst of financial times this year from a cash flow perspective. Read why I’m in such an odd financial state of being!

Miss T. @ Prairie Eco Thrifter writes Make Life Better for Yourself: Take Good Care of You – We haven’t always eaten in the most healthy manner; after all, we are just an average family. When we decided to change our diet to a better balanced one, there was some resistance and more than a bit of struggle. Here are some tips on how we finally managed to improve our diet – make small changes rather than trying to change everything all at once.

FI Pilgrim @ FI Journey writes Considerations When Waging A War On STUFF – Having a sparsely decorated, neat and tidy house has been more than worth the effort of waging a war on stuff! In this post I explain the obstacles we faced.

Shannon Ryan @ The Heavy Purse writes Tips on How to Talk to Your Kids about Money (Ages 0-7) – Kids form money habits and beliefs by age 7 according to recent studies. Shannon shares tips on how to talk to kids (ages 0-7) about money so they can develop a positive relationship with money.

Tushar @ Finance TUBE writes 5 Tips On Saving Money In The UK – You want to save money? Here are a lot of plain ways to make considerable savings on your normal spending, which could clear your debt of the British credit card many times over in less than a year.

Daniel @ Make Money Make Cents writes How to Live Within Your Means but Still Live Well – If you have any doubt that Americans love their credit cards then all you need to do is look at the latest Federal Reserve figures showing that we have nearly $860 billion worth of credit card debt to our names.


Wealth and Passive Income

Glen Craig @ Free From Broke writes Do You Know What All Your Investments Are? – Personal Capital Review – Wouldn’t you love to see all of your investment accounts in one dashboard? Personal Capital lets you do that for free.

Michael Kitces @ Nerd’s Eye View writes Do Today’s Guaranteed Living Benefit Annuity Riders Really Offer Enough To Be Worthwhile? – Using variable annuities with guaranteed retirement income riders have been increasingly popular in recent years. Yet as the guarantees become more expense, returns get lower, and the contracts become more limited in their investment options, do today’s guarantees really offer enough to be worthwhile?

Mrs. Accountability @ Out of Debt Again writes How to Automate Your Finances – Sometimes I feel like a massive accounts manager just handling my personal family’s finances.

Anton Ivanov @ Dreams Cash True writes Adjusting Your Asset Allocation as You Get Older – After initially picking an asset allocation, it is important to adjust it as you age. It should get more conservative, the older you are.

GYF @ Gaming Your Finances writes Building Wealth: How to Become Wealthy – The four simple ways to build wealth faster. Focus on one or a few of the ways and build as much wealth as you could ever need!

MMD @ IRA vs 401k Central writes What Does IRA Stand For Anyways? – If you’re wondering “what does IRA stand for ?”, then you may be surprised to find out that the IRS defines it as an “individual retirement arrangement”. Let’s see how that is different from the “individual retirement account” that everyone thinks it is.

Roger Wohlner @ The Chicago Financial Planner writes Choosing A Financial Advisor? Ask These 6 Questions – Deciding to hire a financial advisor can be a tough decision for many investors. Once you make this decision, how do you go about finding the right advisor for you? Here are six questions to ask when choosing a financial advisor.

Danielle @ Saving Without A Budget writes Simple Steps to Jumpstart Your Finances – With all of the financial advice that we give here on our blog, people always want to know where they should start.

Mr. Frenzy @ Frenzied Finances writes Finance Tips: 10 Things I Wish I Knew When I Was 20 – There are some things you just don’t know when you’re 20. Read here for the top 10 things 20 year olds should know on finance.

Mr FD @ Financial Debauchery writes You Don’t Have Any Emergency Money? How Dare You! – You wouldn’t jump out of an airplane without a parachute, would you? They why do you go day-to-day without a stock pile of emergency money to take care of a disaster if one arises? Here are some tips for manning up and being prepared financially!

Matt @ Budget Snob writes Why many good people have problems following sound financial advice – The basics of personal finance is very simple. But many people do not follow the rules and that has led to some of the most difficult financial times in generations.

DW @ Great Passive Income Ideas writes Passive Income Opportunities You Can Take Advantage of From Home – No matter what your financial situation is, there are plenty of passive income opportunities that are easy to do right from the comfort of your own home. Here are a few you can start trying now.

Barbara Friedberg @ Barbara Friedberg Personal Finance writes MBA Class: Time Value of Money In Financial Decision Making – Net present value makes financial and investment decision making more accurate. Use future value to compare spending and saving.

Andrea @ So Over This writes Several Good Reasons to Not Contribute to Your 401(k) – A very common piece of advice that is given about retirement is that of maxing out a 401K plan at work. More than a few people, including professional financial advisors, will tell you that this is a way to make sure that your retirement is truly golden.

Lenny @ Best Money Saving Blog writes The Cost, and Risk, of Long Term Care – When you are working on your retirement savings, ask yourself this question: do you think that your nest-egg could take a half-million dollar hit?

Usiere Uko @ Financial Freedom Inspiration writes Passive Income – Your Ticket to Financial Independence – Whatever the number, you need to start building up your passive income portfolio by putting your savings to work. One of your financial goals should be your planned passive income. How much passive income you want to end by December?


Real Estate and Investing

Luke @ Learn Bonds writes Would I rather buy a home or own $50,000 of bonds? – Here is a look at the connection between housing prices and interest rates and how to decide when to cash in an investment to buy a house.

Evan @ Financial Independence writes Motif Investing Review – Motif Investing is a new portfolio-based concept for the cost effective trading of multiple stocks at once. We explore the pros and cons of Motif Investing.

Robert @ The College Investor writes 6 “Caveman Instincts” That Threaten Your Portfolio – The truth is, human beings are not naturally “wired” for investing. We evolved in caves and jungles – and nothing in our ancestral environment prepared us for the complex financial decisions we all face today. Quite the opposite: the instincts that served us so well as hunters and gatherers can utterly devastate our investment portfolios.

Hank @ Money Q&A writes Three Reasons Why Your House Is Not Selling – What can you do if months and months later you’re still stuck in the same place after being unable to secure a sale? You are sure to be wondering why your house is not selling.

Jordann @ Making Sense of Cents writes How Much House Do You Really Need? – Most people, at some point in their lives, want to become homeowners. I’m definitely one of those people. Something to think about is how much house you actually need.

Daisy @ Suburban Finance writes Grow Rich with Real Estate – There is some money to be made in housing, and we have a practical guide as to how to be rich in real estate investing.

Minimalist @ Minimalist Finance writes Setting a Home Maintenance Budget – Setting a Home Maintenance Budget has been published on Minimalist FinanceFirst time home buyers don’t always consider all of the expenses of purchasing a home. In reality, it’s not just down payment and closing costs that can cost a lot of money, what happens after you sign those papers can also cost you a pretty penny.

IMB @ Investing Money writes Investing in China – A Time for Caution – The Chinese economy is in a state of transition. Investors, time to watch China’s banks carefully! Read here to learn more about China’s economy.

Oscar @ Money is the Root writes The Best Investing Advice for Newlyweds – The simple fact is, couples who educate themselves about investing and set goals for savings not only increase the chance of being able to take a second honeymoon someday, but also that they\’ll head into retirement not only still together but in excellent finance shape.

Jack @ Money Saving Ethics writes Investment Advice from one of the Best Minds at Morgan Stanley – Morgan Stanley is arguably one of the best investment and brokerage companies in the world today and have at their disposal some of the best minds in the world when it comes to investment strategies.

Oscar @ Money is the Root writes 3 Free Online Retirement Planning Tools – These days you\’ll find that many retirement plan providers as well as a number of financial planning service providers have added online tools to their mix of services to better help their customers plan for retirement.

Jon @ Novel Investor writes The Biggest Mistake Investors Make – Let’s face it, there are many mistakes investors make. But this one is an affliction many of us deal with all the time. But there is good news. It’s curable.

Investor Junkie @ Investor Junkie writes Investing in Real Estate: The Ultimate Guide on What to Expect – What can you expect in order to begin investing in real estate? Here’s what you need to know!


Self Employment And Career

Holly @ Club Thrifty writes A Career in Sales Isn’t for Everyone – Have you ever considered a career in sales? Read this post for one man’s story of how it didn’t work out like he planned.

Lauren @ L Bee and the Money Tree writes My Complete Employment History, and What I’ve Learned – Ever wanted to know what I did before I became “L Bee and the Money Tree?” Well here is my complete employment history.

Sam @ The New Business Blog writes Choose the Right Bank for your Small Business – If you are an entrepreneur and getting ready to start a new small business, one of your first tasks is going to be to find a bank that helps you to achieve your goals.

John S @ Frugal Rules writes Taking the Plunge: Is the Grass Always Greener? – When you run your own business, part of you never knows what is around the corner. You have to be able to look at opportunities that arise as they can often help you grow professionally as well as grow your business.

MMD @ My Money Design writes Recognizing Opportunities to Build Multiple Streams of Income – Ever since I’ve started reading about how people find different ways to build multiple streams of income, I find myself becoming more aware of them as I recognize them in even the tiniest things throughout my everyday life. Here are my thoughts on what we can do to try to achieve the same.

Mark Ross Canaoay @ Think Rich. Be Free. writes How To Choose The Best Business Location – Your business location can play a critical role for your business’ success and future, so getting the right one is a must.

Don @ MoneySmartGuides writes Making College Affordable – How can we make college affordable? The first step is to limit student loans. That might sound crazy but…

LaTisha @ Young Finances writes Jumpstart your Career with an Unpaid Internship – An unpaid internship can lead to greater experience and eventually, a paid position. Many college students and young adults look for internships after college.

Michelle @ Diversified Finances writes Life After I Quit – A couple of weeks ago, I talked about all of the positives of working from home. I honestly cannot wait, and I think about my self-employment switch date all the time.

GMM @ Grad Money Matters writes How to Make Money as a Freelancer – Are you interested in becoming a freelancer? Maybe you want to work for yourself and not someone else anymore. Or, maybe you are looking for ways to make additional side income.

Eva Baker @ TeensGotCents writes Real Estate Careers – Shopping With Sarah – Sarah shares about her latest adventure. After reading, you may want to check out real estate careers yourself. It’s like being a personal shopper!

Corey @ 20s Finances writes 5 Tips to Starting Your College Year Off Right – Heading off to college, whether you are a freshmen or a senior can be a stressful time. Packing up your belongings, saying goodbye to family and friends and then unpacking everything are emotional tasks.

Dollar @ Easy Extra Dollar writes Five Ways To Make Extra Money Online – Online retailing has been part of the services provided publicly thru the internet since Pizza Hut rolled out the first online store in 1994. These days, eBay and Amazon are the biggest online retailers on the internet. eBay allows its users to post products for sale via the website service.

Harry Campbell @ The Four Hour Work Day writes Vacation is More Meaningful When You Have a Job – I’ve often found that returning to work after a long and restful vacation is one of the most depressing feelings on earth. I know you’re supposed to feel refreshed and relaxed after vacation, but for me, going back to work is what I dread most about vacation. It’s not like I’m thinking about work during my vacations, but when I’m back at work I can’t help but remember how much fun I was having the week before.

Buck @ Buck Inspire writes Don’t Hesitate When Opportunity Knocks Ian Ziering – I must confess back in the day I was a fan of 90210, who wasn’t? I wasn’t big on Team Dylan or Team Brandon but who wasn’t on Team Steve Sanders?

Bob @ Dwindling Debt writes The Best Tips for Solo Entrepreneurs – If you are a solo entrepreneur, you have many more responsibilities than the average working guy or gal. There are a few things that you definitely need to do when you work on your own in order to be as successful as possible.

DPF @ Digital Personal Finance writes What to Do With Side Income – Side Income is all the rage these days, it seems. That said, there are many different things a person can do with it, including saving in order to be financially free. What about you?

Vanessa @ Vanessa’s Money writes How I Make my Teeny Tiny Salary Work for Me – I earn less than $2000/month, save about 40% of it and live in one of the most expensive cities in Canada

Jason Hull @ Hull Financial Planning writes What Was the One Turning Point in Your Life? – Just a fun little exercise to determine if there was an event in your life that you can point to and say “a-ha! That’s what made me who I am!”

Travis Pizel @ Enemy Of Debt  writes Surprise, High School Freshman – Real Life Starts NOW! – Whether they know it or not, real life starts as a high school freshman!


Saving and Simple Living

AB @ Aspiring Blogger writes Income and Expense Report – July 2013 – Our income was up and our expenses were down – sounds like a recipe for a great month! Unfortunately we still spent like members of Congress. Take a look to see for yourself.

Tushar @ Start Investing Money writes Living with Cash: Would You Spend Less? – Every now and then you read a report or story that suggests one day we’ll live in a cashless society. However many people would argue that it’s easier to spend less money when you live with cash instead of using credit or debit cards.

Chris Williams @ Big Day Coming writes Save Money on the Gym – Re-evaluate what you pay for the gym and find a better deal – or buy your own weights and do it at home.

Christopher @ This That and The MBA writes Tips for Organizing an Effective but Frugal Home Budget – It is the most important factor in making a frugal budget. You should keep a close tab on your each single, whatever small it may be, income and keep it recorded on paper or in your computer. Don’t ignore any amount if it is small.

Joshua Rodriguez @ writes How To Make A Budgeting Spreadsheet That Makes Budgeting Fun – This post is a very detailed tutorial that walks people through the process of creating a budget spreadsheet. In this post, Joshua Rodriguez talks about the need for a budget spreadsheet that works for him and builds one taking screenshots step by step so it’s easy for others to repeat the process!

Harry Campbell @ Your PF Pro writes Another Tough Run In With Best Buy – Even though I often see a lot of negativity towards Best Buy, they are still in business and somehow opening more stores than they’re closing. When was the last time you saw one of their stores go out of business(a la Circuit City)? I have even noticed a trend of lower prices at Best Buy over the past year or so that seem to coincide with when online retailers had to start charging sales tax.

Ashley Lennon @ Skint in the City writes Would You Wear Clothes then Return as ‘Unused’? – Would you wear clothes then return them to the shop to get your money back? What about books and electrical goods? New research shows that many people do! Post explores this issue and asks, is it morally wrong or can the big shops afford it?

Daniel @ Sweating The Big Stuff writes The 5 Worst Ways to Save Money – There are some good ways to save money and there are some bad ways to save money. Do not go too far in your quest to save!

Monica @ Monica on Money writes Free TV, Just Like It Used To Be – I gave up cable 7 years ago and estimate that I have saved over $8400 by not having cable.

Lily @ Paying Debt Down writes Finance Tips for 20 Somethings – The average 20-year-old is being forced to make many more financial decisions than ever before. The ones at the beginning of a career are especially important.

Katie @ IRA Basics writes Benefits of a Budget – Budget. It is a dreaded word, not one that instills ideas of grandeur and immense fun. It is also a word that is often neglected, an idea that most of us would rather not think about.

KK @ Student Debt Survivor writes Budgeting for 4 Eyes – Today, glasses are a fun fashion statement. When I was in middle school, not so much. Keep your eyeglasses fun and frugal with these eye care budgeting tips.

Mr.CBB @ Canadian Budget Binder writes Net Worth Update August 2013 +1.90% Calm Before The Storm – I wish every month would be as good of a month as this but that is simply not the case. Although we try to spend less than we earn some months our budget and net worth take a beating.

Gary @ Gajizmo writes How To Lower Your Utility Bill – Chances are, your utility bill is anywhere between $100 and $400 per month. But what if you could save $1,000 per year on your utility bill? Check out our guide on lowering your water and electric bill every month by making minor lifestyle changes or small upfront investments. Most of these strategies even offer the dual benefits of saving you money and the environment.

Kim @ Eyes on the Dollar writes Can You Recognize a Scam? – This post gives my experience of sitting through a slimy sales pitch in order to get free stuff.

Brock Kernin @ Clever dude writes What Apple and Car Salesmen Have In Common – Would you trade in your perfectly good iPhone?

CAPI @ Creating a Passive Income writes The Reset Button: When to Declare Bankruptcy – Although filing for bankruptcy is a difficult decision, there are several red flags on when it’s time to start fresh and consider the option. Read here!

Jon Haver @ Pay My Student Loans writes Best ways to obtain education without student loans – There may be other options for you to research, but know that college without loans is close to impossible these days. Some may have parents who are able to pay for college cash and they should consider themselves lucky and privileged.

Brent @ PersonalFinance-Tips writes Best Tips on Saving Interest on Your Home Loan – Saving money on your home loan is very easy if you strategize properly. Many people concentrate so much on the interest rates when shopping for loan, forgetting that the other features are very important.

Lindy @ Minting Nickels writes Modifications that Add Value to a Used Car – Just as new granite countertops can improve the value of a home, the right modifications can boost your car’s value.


Thank you for reading, have a great weekend!


11 Responses to Carnival of Financial Independence, 27th Edition

  1. Kim@Eyesonthedollar September 7, 2013 at 8:56 am #

    Thanks for hosting and including me this week.
    Kim@Eyesonthedollar recently posted…Even Granny Has a Credit CardMy Profile

  2. krantcents September 7, 2013 at 11:18 am #

    Thanks for inclusion and hosting, I really appreciate it.
    krantcents recently posted…4 Ways to Get Past the Resume GatekeepersMy Profile

  3. Anton Ivanov September 7, 2013 at 12:38 pm #

    Thanks for hosting and including my website!
    Anton Ivanov recently posted…Portfolio Planning Basics – Choosing InvestmentsMy Profile

  4. Jason Hull September 7, 2013 at 1:31 pm #

    Thanks for hosting and including my article!
    Jason Hull recently posted…What to do if You Receive a Life Insurance BenefitMy Profile

  5. Roger @ The Chicago Financial Planner September 7, 2013 at 3:14 pm #

    Thanks for hosting and for including my post.
    Roger @ The Chicago Financial Planner recently posted…4 Reasons to Accept Your Company’s Buyout OfferMy Profile

  6. Financial Independence September 8, 2013 at 4:00 am #

    Thanks for including my post and hosting the carnival this week
    Financial Independence recently posted…YNAB: You Need a BudgetMy Profile

  7. KK @ Student Debt Survivor September 8, 2013 at 7:18 am #

    Many thanks for hosting and including my post, I appreciate it!
    KK @ Student Debt Survivor recently posted…Saving Money-Jordan Pond House Popovers at HomeMy Profile

  8. Buck Inspire September 8, 2013 at 10:56 am #

    Thanks for hosting and the mention!
    Buck Inspire recently posted…Workplace Productivity In AmericaMy Profile

  9. Shannon @ The Heavy Purse September 9, 2013 at 10:27 am #

    Thanks for hosting and including me. I truly appreciate it! Have a great week, William.

  10. Aspiring Blogger September 15, 2013 at 2:46 pm #

    Thanks for including my article and hosting such an awesome carnival! You’ve got some great content here. Keep up the great work!

  11. Usiere @ Financial Freedom Inspiration September 24, 2013 at 12:14 pm #

    Thanks for hosting William and including me. Truly appreciated
    Usiere @ Financial Freedom Inspiration recently posted…You Can Have Fun on Your Way to Becoming RichMy Profile

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