Carnival of Financial Planning



CF @ The Outlier Model writes Net Worth Update: January 2013 – Tracking your net worth is the best measure of financial success. It doesn’t tell you when you’ll be financially independent, but it is a great marker of overall financial health. Here’s where we stand at the beginning of 2013.

Deacon @ Well Kept Wallet writes Top 10 New Years Resolutions for 2013 – According to a study by the University of Scranton’s Journal of Clinical Psychology, 34% of people make New Year’s resolutions that are money related. In fact, this is a 4% increase from the previous year. Learning how to manage money well seems to be a trend and I hope to help people with that. However, money is not the only subject on people’s minds. Here is a list of the top 10 New Year’s Resolutions for 2013.

Bank Free Credit @ Bank Free Credit writes My Friend’s Bank of America Story – This is 2012. As of this date I have been doing business with Bank of America for 50 years. I opened my first savings account in 1962, when I was 14 years old. Today I am 63 years old. I have been married to my wife for 34 years, and I cannot remember the last problem I had with the Bank of America. Allow me to give you two wonderful stories about what this bank did for me.

Your Boss @ What Your Boss Really Thinks writes How Some Mormons Run Small Businesses in Utah – Story One My friend wants to quit her job. She barely started it a few weeks ago, and she already cannot stand it. It is not the job per se that drives her to the edge of insanity. It is the people. Or I should rather say, it is the business style of the company.

Lance @ Money Life and More writes Why Is My Paycheck Smaller? Understanding Your 2013 Paycheck – If you’ve received your first paycheck of 2013 you’ve likely realized that your 2013 paycheck is smaller than your 2012 paychecks were. It is a sad realization but there are a few reasons why your paycheck may have gotten smaller in 2013.

Robert @ My Multiple Incomes writes What Are The Pros and Cons Of Investing in Property Over Stocks And Shares? – As the market is starting to pick up, perhaps now is the time to think whether we should invest in property or in stocks and shares. But which is best?

Grayson @ Debt Roundup writes The Many Perks of Banking Online – Though online banking has become more common place, there are many that still do not use online banking. Here are the perks of using online banking!

Gary @ Gajizmo writes How Much Money Should I Save Each Month? – Once the bad habit of overspending is stopped and saving begins, the next question should be, how much do I save each month? The answer depends on your personal financial situation, but here are a few guidelines to fully fund your emergency savings, retirement, and think about short vs. long term needs.

Teacher Man @ My University Money writes How Much to Tip When You Are a Poor Student – The whole topic of how much to tip has been done to death in my opinion, but are “the rules” always the same for everyone?

Young @ Young And Thrifty writes Is a Costco Membership Worth It? – To figure out whether a Costco membership can really pull its weight, I am going to list the pros and cons of shopping at Costco.

harry campbell @ Your Personal Finance Pro writes Breathe New Life Into Your PC or MAC Computer – For the past 5 years, all of my personal computer use has been on a 2009 Macbook Pro that I got as a graduation gift. I didn’t have to worry too much about the cost at the time since it was a gift and I got a small student discount. But recently, I started to notice a huge performance decline, it was running slower and I couldn’t run multiple programs at once. This slowdown was bound to happen eventually but I knew I wasn’t ready to spend another $1,500 for a new laptop.


Andrew @ 101 Centavos writes The Good Life in 1958 (or not) – To quote Will Rogers, things ain’t what they used to be and probably never was. According to the American Enterprise Institute’s blog (AEIdeas) in the good old days of 1958, workers had to toil and slog for months to be able to afford spiffy consumer goods like toasters and TVs that today are available for a mere pittance.

Jason @ Frugal Rules writes A New Year, a New Opportunity – With the New Year soon upon us it’s a great time to reflect on the past year and use it as a guide post for the next year. What things would you like to accomplish? What stretch goals do you have?

Little House @ Little House in the Valley writes Davis Was a Disappointment but Fulsom Was a Fave – I finally made it out to the Sacramento/Davis area and checked out a few towns I had on my list. To back track a bit, Mr. LH and I have been toying with the idea of moving to Northern California from Southern California. We still aren’t 100% set on the possibility of a move, but there are some pros and cons of staying versus leaving and vice-versa.

FMF @ Free Money Finance writes Case Studies Of People Who Have Successfully Quit – In the following article, I share with you two examples of people who have successfully quit their jobs with a severance package.

Mike @ The Financial Blogger writes Online Company Goals: Let’s Kill It – My goals to make it big with my business.

Daniel @ Sweating the Big Stuff writes Have You Heard of Dependent Verification? – I can’t stand people who game the system at other’s expense…and insurance seems to perpetually fall into this category. This year, my employer announced a new program to combat insurance costs (i.e. fraud)

Savvy Scot @ The Savvy Scot writes SALLTYE – Spend a LOT Less Than You Earn – The Conclusion of the ‘Change Your Life Series’ – a 10 post collection that addresses making a BIG CHANGE in ten small steps. From health and fitness to finance and knowledge, the series examines simple ways to make a significant change. The final episode discusses setting goals that are achievable and gives tips on how to keep them.

Little House @ Little House in the Valley writes Generational Family Businesses that Work – With any generational business, handing down a well-run business and then continuing to prosper by adding services or expanding, makes for a great business model.

Ray @ Squirrelers writes You Just Got a 2% Pay Cut – How Do You Feel About It? – Payroll taxes increased on wof ages American workers earning under a certain threshold. All of a sudden millions of people got an instant 2% paycut. This post discusses how many folks reacted, and what might be a good way to handle it



Tushar @ Finance TUBE writes The Debt Movement is Here: Will You Join? – Today we will talking about the Debt Movement is Here: Will You Join? Debt is a tool which allows you to have something new which can’t truly afford. Most people take debt to buy a home, car or to go to college but this entire instance of debt may be considered as the necessities.

Eddie @ Finance Fox writes 4 Avoidable Money Mistakes – When it comes to money there are many avoidable money mistakes to avoid no matter whom you are or at what age

Peter @ Bible Money Matters writes The Debt Movement: Start the New Year by Joining the Movement and Dumping Debt – Because debt can have such an adverse affect on people’s lives, today I want to talk about a group that is hoping to encourage people to take that first step and get rid of debt. It’s called the Debt Movement, and it’s brought to you by Jeff Rose of

Liana @ Card Hub Blog writes Q4 2012 Credit Card Landscape Report – What better way to start off the new year than to take a look at what the credit card industry was doing 4th quarter of the previous year? Boring you say? Maybe so. After all, it’s all about numbers – but it is truly informative.



Amanda L Grossman @ Frugal Confessions writes 4 Positive Financial Moves We Made to Our Bottom Line in 2012 – At the end of the year it always feels like time has slipped away for me.

Corey @ Steadfast Finances writes ‘Til Debt Do You Part: Should a Hidden Financial Past Stop the Wedding? Part Two – You are so excited about what the future holds for you and your beloved one until you show them your brilliant financial plan and they turn as white as a sheet.

Jon the Saver @ Free Money Wisdom writes 15 Ways To Upcycle and Save Money – Here are 15 awesome ways to reuse things around your home and save money in the long term. It’s easier than one would first think!

Darwin @ Darwin’s Money writes This is the Only Stock I’ve Bought in Months – 3D Printing About to Change the World – If you haven’t heard about 3D Printing yet, you will soon. It’s about to change the world and here’s the only pure play stock up 300% over the past year which has 3D printing at its core.

Jester @ The Ultimate Juggle writes First Dining Out Experience of the New Year – Read abount my family’s first dining out experience of the New Year

Roger the Amateur Financier @ The Amateur Financier writes The Best and Worst of 2012 – It’s still only a few days into the new year, which means that it’s still the perfect time to look back on what has happened this past year and see if I can

Invest It Wisely @ Invest It Wisely writes New Year’s Reading – To start the new year off right, check out three of my favorite articles

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes UNIVERSAL LIFE INSURANCE – REALLY? – Those with dependents need life insurance. Don’t combine investing and insurance. Skip the universal life insurance.

Aloysa @ My Broken Coin writes Confessions of a Deranged Shopaholic – Hi, I am Aloysa, and I am a shopaholic. But you already know this. The other day, one of my friends asked me if I knew how much money I spent on shopping in 2012. I was clueless. But being curious by nature, I pulled up all my bank account statements and did some research.

SFB @ Simple Finance Blog writes What I Did Right This Year: Fully Funding My Roth IRA – My biggest financial goal of 2012 was to fully fund my Roth IRA. Here’s how I reached my Roth contribution limits to maximize my retirement savings.

Kanwal @ Simply Investing writes The Top Ten Posts of 2012 – Happy New Year! Here are my top 10 posts from 2012. Investment versus Speculation Mutual Funds vs Simply Investing $321, 000 Lost to Fees Long Live the Dividend! My Best Investment Yet +275% Top 5 Reasons Why Mutual Funds Fail Paying Dividends Since the 19th Century Saving money for a vacation, car, or house? Don’t put that money in stocks.

Super Saver @ My Wealth Builder writes Be Careful of Investing Success Stories – Sometimes there is selective remembering of only the good results.

Ashley @ Money Talks Coaching writes Goals for 2013 – My dad used to scuba dive. I remember this one time when I was about 8 years old we went to Catalina with one of my dad’s friends so that they could go

MMD @ My Money Design writes Our Long Term Financial Goals and How We’ll Meet Them in the New Year – Here’s my assessment of our long term financial goals for the New Year and the steps we need to do to take to make sure we get to where we want to be.

Jason @ Live Real Now writes Net Worth Update – Here is my net worth update, along with the progress we made over the course of 2012.

Wealth Effect Blogger @ Your Wealth Effect writes What is your risk free rate of return? – There is usually a big difference between what the press says is a “risk free” rate of return and your “risk free” rate of return.



Louis @ Wallet Hub writes FHA Loans vs Conventional Loans – One of the biggest choices any home buyer has when taking out their loan is deciding whether or not they want to get an FHA loan or a conventional loan offered by a private lender. Picking between the two options can be very tricky–depending on a buyer’s situation each has its own advantages and disadvantages.

CAPI @ Creating a Passive Income writes Bloggers Beware: Passive Income on the Rise – The web has become a proverbial madhouse of information, tutorials, and how-to websites as a growing number of people tap into the masses of people seeking guidance on everything under the sun. Blog topics are as varied as the people in this world and seek to occupy a new space in our hearts.

Green Panda @ Green Panda Treehouse writes Managing your Rental Properties: Invest and be Rewarded – Managing your rentals.

Charles @ Wallet Hub writes Mortgage Points Guide – Mortgage shoppers often are bewildered by the dizzying array of fees when comparing offers, and no fee gets more attention than mortgage points. They’re quite simple, really, once you break them down, so let’s demystify them once and for all.



Jeff Rose @ Good Financial Cents writes Retirement Planning Checklist – f you are approaching retirement do you know if you are ready? Do you have the funds saved that you will need?

Investor Junkie @ Investor Junkie writes The Fiscal Cliff Tax Deal and You – After much wrangling and posturing and hand-wringing, a tax deal has been agreed to in the “fiscal cliff” saga. While the issue of what spending cuts should be made to the budget has been put off for a couple of months, the tax situation is a little bit clearer — just in time for you to start making plans for your 2013 taxes. Here are a few things you should be aware of for the new year:

FMF @ Free Money Finance writes Should Americans Be Forced to Save for Retirement? – As we all know, Americans are dreadful at saving for retirement. I have run post after post throughout the years showing the stats of how ill-prepared most are for the day they won’t/can’t work. So what should we do about this problem?

Jason Hull @ Hull Financial Planning writes Is the Wage Replacement Ratio Incorrectly Calculated? – Financial planners often use the wage replacement ratio to determine how much income you’ll need in retirement. The WRR is one of the first things you learn in your first course in financial planning programs before taking the CFP exam. It’s the wrong approach; this blog post explains why.

TDB @ Tax Deduction Blog writes Social Security Secrets Congress Doesn’t Talk About – Everyone needs to have an idea of how Social Security is taxed, and this article features that information and what you need to know before you take that second job.

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15 thoughts on “Carnival of Financial Planning

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