Carnival of Money Pros – Back to School Edition

We are proud to host this week’s Carnival of Money Pro’s!  In honor of schools getting started again, we dedicate this weeks carnival to the students of the world who are once again toting around their pencil boxes and assignment notebooks, and learning about math, science, and kickball!

There are a ton of great articles in the list below,  so be sure to catch up on your weekend reading!

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TTMK @ Tie the Money Knot writes The Months of Expenses Method of Defining Net Worth – When we look at net worth and wealth, we often think of assets minus liabilities. That’s not the only way to look at it, as we can also look at months of expenses as an alternative and informative approach.

Ray @ Squirrelers writes 10 Ways to Save Money on Self Storage – Have you ever thought about getting a storage unit? If so, it would be wise to think about ways to save money, as it’s an expense that often continues for far more time than people originally expect.

Shilpan @ Street Smart Finance writes Keeping Up With the Joneses: A Fast Lane to Financial Fatality – Keeping up with the Joneses shows its ugly head with new avatar in every generation. It’s got a face lift now under the new name — circle of friends. I went to lunch with a close friend of mine at work. Our conversation swiftly turned into my favorite topic — how countless celebrities screwed their financial future after earning millions by filing for bankruptcy.

Lance @ Money Life & More writes Our Debt Pay Down Strategy – Debt is no fun. I think everyone can agree with that! Before we get into our strategy of paying our debt down I feel like you need to know what our debt consists of. My girlfriend and I have over $100,000 in debt but honestly I’d say we’re pretty lucky.

Emily @ Evolving Personal Finance writes My New Frugal/Cheap Cell Phone Plan – I recently signed up for an unlimited talk/text/data smartphone plan for $19/month – but I’m taking a bit of a risk with a new company.

Justin @ The Family Finances writes When Credit Beats Using Your Emergency Fund – An emergency fund is important to have. However, sometimes the math works in favor of using credit instead of cashing in the emergency fund.

Dr. Dean @ The Millionaire Nurse Blog writes Your Financial Future: Is It Gold Medal Or Toilet Worthy? – Have you let the doomsayers effect your financial planning and efforts towards a better future and retirement? Here are ways to avoid falling into that trap.

Roger the Amateur Financier @ The Amateur Financier writes Some Advice On Studying – An article that focuses on some of the ways to increase your studying abilities and do better with your information retention.

MR @ Money Reasons writes Paying Off Your Mortgage Is Like Having A Second Job Income Without Working – Once you pay off your mortgage,you are an instant saver of the amount you use to spend on the mortgage. It’s similar to a second job but without working!

Hank @ Money Q&A writes Where Should A New Investor Put $1,000 To Work In The Market? – I asked 12 of the best personal finance bloggers and money experts, where should a brand new investor put $1,000 to work in the market?

Wayne @ Young Family Finance writes Cheap Entertainment Options: Zero Cost Fun – If this bad economy has ruined all of your fun, it might be time to consider cheap entertainment options.

Jon the Saver @ Free Money Wisdom writes 6 Ways To Conquer Materialism – Here are six ways you can practically start conquering materialism. It’s not a disease you want to keep in your life, destroy it now!

Daisy @ Add Vodka writes Saving on Road Trips – This past weekend, I went to visit my mom four hours away from where I live.

Kevin @ Thousandaire writes Wouldn’t a 5% CD Be Great? – The other day I was lamenting the fact that I can’t get any better than a 1.1

Debt Guru @ Debt Free Blog writes Three Basic Rules of Paying Off Debt – Follow these three basic rules to help yourself get out of debt and live a better life.

Aloysa @ My Broken Coin 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.

Luke @ Learn Bonds writes Dear Financial Media: You Completely Missed Bill Gross’s Point – Bill Gross recently predicted that a mixed portfolio of stocks and bonds would provide a real return (after inflation) approaching zero.

YFS @ Your Finances Simplified writes I Almost Got Cheated Out of 650 Bucks – Updated – I received a phone call from my attorney today concerning the $650 dollars the prior owner of property 3 owed me.

Sustainable PF @ Sustainable Personal Finance writes Do It Yourself Green Projects – There are ton of do-it-yourself projects that you can do around your house to improve your energy efficiency, and help the environment.

PITR @ Passive Income To Retire writes One Step Closer to Real Estate Investing – I have always wanted to get started in the real estate business. Okay – when I say always, I really mean for years. I have long understood it as a great long-term investment. Unfortunately for me, I live in an area where it is very difficult to make a profit anytime soon.

John @ Married (with Debt) writes Five Tips for Landscaping on a Budget – You want to create a beautiful lawn and garden, but how can you maintain your landscaping on a budget? Designing and growing the perfect lawn takes patience, hard work and thrift.

krantcents @ KrantCents writes I Am Getting Younger – I am getting younger! My hair is still gray and chronologically I am still sixty-five (65) years old, but I feel much younger.

MMD @ My Money Design writes Book Review: Rich Dad Poor Dad by Robert Kiyosaki – Without a doubt, Rich Dad Poor Dad by Robert Kiyosaki has become one of the most controversial modern personal finance books available. This post will highlight some of the key points discussed within the text.

L Bee @ L Bee and the Money Tree writes Month End Wrap-Up for the NO SPEND CHALLENGE! – Monday July 16th- 95.09 on Groceries, 10.39 on a book for my kindle. Tuesday July 17th-97.14 on various errands around town-CVS, picking up dry cleaning and dresses I had altered (a whopping 40 dollars. Highway Robbery!!), and then money for a movie and snacks because I needed to get out of the house.

Bridget @ Money After Graduation writes The 80/20 rule from another angle – I read most of the The 4-Hour Workweek. It was ok. Some chapters are really good but I found some of the author’s reasoning pretty whacky. But what do I know? He’s a millionaire and I’m not, so maybe I really should outsource my laundry to a virtual assistant in India.

Daniel @ Sweating the Big Stuff writes The Chevy Volt Is Not For Apartment Dwellers – I got to test drive a Chevy Volt for 2 days. It was really cool to have for free, but I don’t recommend it for everyone.

Jen @ Master the Art of Saving writes Buying Our First House-Price & Other Costs – It’s time to dish about the financial side of buying our first house: asking price, offered price earnest money, home inspection, appraisal, flood plain survey.

Maria @ The Money Principle writes Self employed? Get professional indemnity insurance – Self employed people should take out professional indemnity insurance for peace of mind

TRL @ The Retired Landlord writes Do I need Landlord Insurance? – Do you need landlord insurance? Find out if it is necessary and what it covers that traditional home insurance wouldn’t cover.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes DOES SUCCESS OF OTHERS MOTIVATE OR DEPRESS YOU? – I’m a bit obsessed with goal setting! I believe that if I set a goal, write it down, set a completion date, then it will come true. More times than not, it works out, but not always.

Jennifer Lynn @ Broke-Ass Mommy writes Weathering Our Weekend Expenses – It’s Blustery! – Have a inside look at my finances, as I reveal what I made and some of my thoughts.

Evan @ My Journey to Millions writes Taking Your Income for Granted – I think that the fact all of my income streams are at the whim and control of others is the reason I do not take any income for granted. I also think building diversity will lower the black swan event of everything turning on me at once.

Passive Income Earner @ The Passive Income Earner writes How To Turn Your iPhone Into A Virtual Trading Desk – How To Turn Your iPhone Into A Virtual Trading Desk

Miss T. @ Prairie Eco Thrifter writes How to Save Money with Your Kindle – While it is true that most e-books are cheaper than their printed counterparts, they can still be fairly expensive, especially if you find yourself buying more than one book a week, or you find yourself consistently purchasing new titles, which tend to be more expensive. If this sounds like you, there are a few things that you can do to help reduce your Kindle spending.

Suba @ Broke Professionals writes How to Affect Change – Part Two – Vital Behaviors to Change – How to Affect Change – Part Two – Vital Behaviors to Change is a post from: Broke Professionals if you enjoy it, please visit us and subscribe to the Feed. Do you ever look around and think to yourself, wow that is really messed up.

Mr.Money @ Smart on Money writes Using the Power of Cash to Your Advantage – As our society moves more and more away from cash and toward other methods of payment, many people forget just how powerful cash can be. If you’ll use cash to purchase big ticket items, it can save you quite a bit of money. Here are a few things to consider about using cash more to help your financial situation:

JP @ My Family Finances writes Why Stores May Be Charging You a Fee to Use Your Credit Card and What It Could Mean for Your Family – Why stores are charging credit card fees and what it means for you and your families finances.

Ryan @ Early Retirement Investments writes DIY or Pay For Help? – It’s a fine line between DIY or paying someone to help. Read how I decided.

Jester @ The Ultimate Juggle writes How I Spend Money #1 – Lunch At Panera With The Family – The first in the series How I spend money. This is about how I spent my time and money with my family at Panera.

Corey @ 20s Finances writes Five More Ways to Make Extra Money – Corey wrote about five great ways anyone can make extra money. I wanted to share five more ideas that I have used or friends of mine have used to make some extra cash. Each one of us used the extra money for different things: I used it to help me pay down my debt faster, while one of my friends used the money to max out his Roth IRA contributions each year.

Cash Flow Mantra @ Cash Flow Mantra writes Gotta Love Dividend Stocks – Seagate Technology (STX) is one of the stocks that I am holding in my retirement account. I purchased it as part of my focus on dividends since it had a 4% yield at the time. The stock increased in price and I ended up selling it in late June for a 23% annualized profit. But I immediately repurchased it again and instituted my hedging strategy since I still fell like the stock had some decent potential for further gains.

Penny Thots @ Penny Thots writes Does One Million Dollars Make You Rich? – Having a million dollars won’t allow you to live the life you think it will. Many found that out the hard way these last few years. When including the equity in their homes, they were millionaires. But they were living beyond their means and when the income from their house dried up, so did the rest of their finances.

Steve @ Brip Blap writes Should You Tip? – If you’re careful with your money, you probably face an occasional dilemma of how much to tip various people in service positions. Tipping is an uncomfortable activity for most, and even more uncomfortable for someone who relies on them for a living.

Corey @ Steadfast Finances writes The Law of Diminishing Returns and Why it Doesn’t Pay to Obsess – Find out how the law of diminishing returns applies to productivity and why you shouldn’t obsess over one task too much.

Jason @ Live Real, Now writes Changing Circumstances – When I started this blog in 2009, I was broke and in debt to my eyeballs. It began as a way to publicly hold myself accountable and vent my need to talk about my money problems. Those needs are changing for me because my circumstances are changing.

Beating Broke @ Beating Broke writes Are You Afraid of Trying? – Why are you afraid of failing? Failure is a part of the learning process. It’s how we learn how things work, what methods will succeed, and how we make ourselves better. Don’t be afraid of failure. Be afraid of not trying.

Amanda L Grossman @ Frugal Confessions writes Performing Budget Triage – If you are just beginning to budget you will quickly face something that the rest of budgeters have long been acquainted with: the unexpected monthly expenses

Don @ MoneySmartGuides writes Are Hybrid Cars Worth The Price? – With gas prices flirting with $4 per gallon, the media will do its best to make you think gas prices are going nowhere but up.

Greg Field @ NerdWallet writes NerdWallet’s Top Cards for Small Businesses – Here are NerdWallet’s reviews and picks for the best credit cards for small businesses. Great information on their benefits and how to save the most, enjoy!

Ashley @ Money Talks Coaching writes Poor People Don’t Retire – A few years ago I had a lightbulb moment when I realized something about aging.

Jacob @ I Heart Budgets writes How To Save Money: Billing Mistakes (Part 3) – Do you find that your money is disapperaing too fast. You might be over-paying your bills. Check out how to save money by catching and correcting billing mistakes. Part 3 covers hotel charges and project materials invoices.

PPlaner @ Provident Plan writes Family Finance Advice – Experienced drivers know that if they want their vehicles to run properly for years to come, regular maintenance is essential.

Ted Jenkin @ Your Smart Money Moves writes Can Tom Cruise Teach Us About Divorce? – We all know divorce can be a costly process no matter where you are financially in your life.

Shawanda @ You Have More Than You Think writes The Anti-Social Guide to Selling Your Stuff – Sometimes you just wanna sell your things with no hassle, no haggle, and little to no human interaction.

Corey @ Steadfast Finances writes The History of the Credit Card – Although it may seem almost impossible to live without one today, the credit card is actually a relatively new creation. Just 70 short years ago there was no such thing and all transactions were done using cold, hard cash. Find out more about the history of the credit card.

Jason @ Work Save Live writes How We Create an Irregular Income Budget – Managing an irregular income is certainly difficult, but hopefully my guide on how my wife and I handle the situation will help you how to develop and excellent irregular income budget.

Tushar @ Start Investing Money writes Are You a Knowledgeable Investor? – How much do you know about investing? Many people stick with what they know, rather than trying to expand their knowledge in any way. For instance they might stick with plain savings accounts instead of looking into the potential returns offered by investments in the stock market.

Investor Junkie @ Investor Junkie writes Two Clear Directions for Our Country – Mind you I’m not brainwashed to think Mitt or Paul are perfect candidates. Each has flaws with various viewpoints they hold. I’m simply looking for the lesser evil from an economic viewpoint. As Bill Clinton’s campaign strategist once said, “It’s the economy stupid!”.. Obama’s current and future plans have been a complete unmitigated disaster.

Crystal @ Budgeting in the Fun Stuff writes Honey, How Can It Hurt Just To Take a Look? – Now is the time to look into buying a new house if it is something you are thinking about doing anytime in the next 5 years. The prices are low. Take a look.

Kyle @ The Penny Hoarder writes Got a Smartphone? Download this App & Get a $5 Amazon Gift Card – Available again for August! Mobile Xpressions has relaunched their incentive program and if you download their App, they will send you at LEAST a FREE $5 Amazon gift card. You could get more! Here’s how to do it… 1.

Kanwal @ Simply Investing writes Everything You Always Wanted To Know About Simply Investing But Were Afraid To Ask (13 Top Questions!) – 1. What exactly is the Simply Investing course? The Simply Investing course is an online video course created by me, to teach you how to invest successfully. I teach the principles of value investing with a focus on dividends. The same techniques used by successful investors like Warren Buffett, Benjamin Graham, David Dodd, and John Templeton.

Invest It Wisely @ Invest It Wisely writes What Did the London Games Teach You About Life? – LONDON, ENGLAND – JULY 20: Street artist James Cochran, Aka Jimmy C puts the finishing touches to a piece of work depicting the face of Jamaican sprinter Usain

A Blinkin @ Funancials writes How Should Couples Merge Their Accounts? – Money is a touchy subject. A lot of people prefer not to talk about it. Why? Because most people don’t have as much of it as they lead on. If they are open about their finances then they will incidentally reveal their mistakes.

Eddie @ Finance Fox writes Sometimes You Just Can’t Win, Even When Merchants Offer a Cash Discount! – Downside of paying with credit-cards for obvious reasons and double dipping that the banks and credit-card companies embrace, why don’t more retailers offer cash discounts?

Earth and Money @ Earth and Money writes How to Deal with a Bad Landlord – A bad landlord can turn a great living experience into a nightmare. Here are some strategies for dealing with bad landlords to save yourself some stress.

Echo @ Boomer & Echo writes How Much House Can I Afford? – There’s an important difference between how much house can I get approved for, and how much house can I afford? Here’s why:

Jeremy @ Modest Money writes Considering Switching Careers – People are now changing jobs more than ever. In addition to just shifts to different employers, people are also entirely switching careers more than in the past. So how does a person decide to switch careers?

Teacher Man @ My University Money writes Student Loans – Jackpot! (Kind Of) Part 1 of 3 – Part 1 of our student loan series. What are student loans and how do you know if you are qualified to get them? We’ll show you how.

Young @ Young And Thrifty writes Money As a Means of Keeping Score – What is the value of money after a billion dollars? What motivates you after you have enough money?

Veronica Hill @ Pelican on Money writes Make Money on Craigslist: Sell like a Pro – Money can be tight these days so why not make extra cash from Craigslist? Here are a few tips to make you sell like a pro.

J.P. @ Novel Investor writes What Is A Stop Order? – When used properly, a stop order can help automate trades, enforce investment disciple and most importantly act as insurance.

Steven @ Grocery Alerts writes Family of 5 with a $200-300/month grocery budget. How can it be done? – Here is how we managed having a grocery budget of $300/month or less each month for a family of 5. I wanted to share 10 ways how we did this and sharing how you can to!

Deacon Hayes @ Well Kept Wallet writes Top 10 Best Money Quotes – Quotes about money often make me smile, more often because of the wisdom they provide. Here is a list of the ten best quotes about money I have ever heard.

Lazy Man @ Lazy Man and Money writes 5 Ways to Afford Organic Food on a Budget – I have spent the last 6 months eating exclusively organic, due to a health condition, and my grocery bill was obscenely high. Here are various strategies I developed to lower my grocery budget while still eating organic and healthy.

Peter @ Bible Money Matters writes 3 Tips to Automate the Management of Your Finances – I love using technology to help me automate the management my finances so I thought I would share a few tools I like best.

Timothy Artisan @ Wealth Artisan writes Famous Entrepreneurs List – Famous Entrepreneurs List- Who is the most famous entrepreneur? Most lists only go based on net worth, but there is more to entrepreneurial fame than net worth. Our famous entrepreneurs list is based on Google Popularity, Facebook Popularity and Twitter Popularity. See who got the top spot on our Famous Entrepreneurs List!

Robert @ The College Investor writes Focus on Passion, Not the Economy, in College – I keep reading advice for college students. The advice usually goes a little something like this: Major in something that will make you money! Don’t waste your parents’ money on college yoga! Focus on the ROI of a college degree! This advice is well-intentioned, but it runs contrary to my college experience.

Robert @ My Multiple Incomes writes Negotiating for a Higher Salary – I had my annual review a couple of months ago, where I received my annual inflationary raise. However, they told me that in August that I would have my MBA salary raise. They told me they want to do whatever it takes to keep me, and that includes paying me what a new company/position would give me. I have done a lot of research, and I’m doing all that I can do in order to feel prepared. Here are my tips for negotiating your salary.

Will @ Hacking the Bank writes Improving your Financial Willpower – There’s some interesting science behind willpower that has been released recently. If you’re struggling to implement all of your financial plans, you should look at this research and see how it can impact you.

Paul Vachon @ The Frugal Toad writes How to Use Online Coupons to Save Money – Every year thousands of deal-hunters dive through ads and even wait in long lines to take advantage of a true bargain. By overlapping online shopping with online coupons, you can get the same deals or better, in the comfort of your own home.

PK @ Don’t Quit Your Day Job… writes Get Over Your Irrational Fear of Risk – Price declines in the stock portion of your portfolio may be scary… but you know what’s worse? Getting caught short in retirement when you do everything else correctly.

Steve @ Canadian Personal Finance writes 40 question checklist you need to ask before you buy a house – Here is a checklist of questions to ask your realtor before making an offer to buy a house.

Robert @ Entrepreneurship & Life writes How Long Do You Give Away Your Services Before Charging? – For your business, you will have to use your own judgment when you should stop working for free, but it should be early on. Don’t work for free very long, particularly if someone is trying to make money off of you.

Melissa @ Bargaineering writes Pros and Cons of Making Money by Donating Your Bodily Fluids and Eggs – We live in an amazing medical time where people who cannot conceive can have children thanks to sperm and egg donors, and people who would otherwise die of cancer can live a full life thanks to bone marrow donations. However, along with the wonder of medicine come the moral issues. Should people be paid to donate bodily fluids and eggs?

Everything Finance @ Everything Finance Blog writes Following Your Passion: Is It Worth It? – The best stories of success involve multi-millionaires working from home–or even better, not working at all. The other stories–the ones you never really hear about–are the ones who tried to follow their passion and failed, losing their jobs and ending in bankruptcy. With all this talk about following your passion, I have to ask “Is it worth it?”

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