Carnival of Financial Independence

Happy Friday, one and all! Thanks for checking out the Carnival of Financial Independence. There are plenty of great articles to check out here, I hope you enjoy!



This post from Mr. CBB is near and dear to my heart, since I’m only 6 months away from paying off my own mortgage:

Mr. CBB @ Canadian Budget Binder writes How We Became Mortgage Free In 5 Years -Becoming mortgage free is not an easy task so I won’t make it out to be something that it’s not. In fact many things have led to us becoming mortgage free in 5 years which I want to discuss with you today since many of you have emailed me.




Maria @ The Money Principle writes A Life of Routine: A Tidy Home Makes for a Tidy Mind – Do you live your life in the balance of achievement against worry? In this article we suggest three ways in which a tidy home makes for a tidy mind.

Dominique Brown @ YourFinancesSimplified writes How to Get Away Without Going Broke – Memorial Day is just a few weeks away, which means summer is just around the corner, and it’s time to formulate a plan for those vacation days.

Mike @ Personal Finance Journey writes Can you make money from online games? – Did you know that streaming games can help your finances? How would you like to make money doing what you love?

Kyle @ The Penny Hoarder writes 10 Strange Ways to Eat Out & Save a Bunch of Cash – Whether you want a fine dining restaurant experience, a fast healthy meal, or just want to get out of the house for a while, one or more of these tips will work for you…

Mr. Frenzy @ Frenzied Finances writes Life Insurance Drug Testing | Do Life Insurance Companies Drug Test Applicants? – Life insurance company standard drug testing is becoming more and more prevalent in the industry today. Employers, courts, government agencies – and life insurance companies – are testing for drugs on unprecedented levels now. The reason is the same as always: money, profits, revenue, cash.

Michelle @ The Shop My Closet Project writes Sallie Mae is Such A __ or Why Can I Not I Pay Extra On My Principle? – For the last couple of months I finally begun to really focus on how I will repay my student loans. I’ve spent a great deal of time in-between running around, working, and trying to catch up on my sleep, thinking about how to tackle this debt

Cat @ Budget Blonde writes How I Saved Money On My Wedding Dress – After some long and careful thought, I decided to wear my mother’s dress on my wedding day.

Evan @ The Smaller Dollar writes Top Ten Forgotten Camping Supplies – With my recent camping vacation, it was abundantly clear that the most important part of camping is proper preparation. There is nothing worse than stepping in a bed of fire ants far away from civilization and finding you forgot your calamine lotion. Yes that happened to a member of our group! The basics of camping such as your tent and cooler are rarely forgotten but there are some things that are often forgotten that make camping a better overall experience.

Mario @ Adventures in Frugal writes Ask the reader: What do you think of permanent long-term travel? – There are plenty of people who never stop traveling, working only the minimum to stay fed, housed, and entertained; what do you think of this life?

Harry Campbell @ Your PF Pro writes Tripit Pro Review and How to Get a Free Subscription – Since I travel frequently for work and pleasure, it can be daunting trying to keep track of all my travel arrangements. Google Calendar can only go so far when you have flights, hotel reservations and more to deal with. And generally whenever I fly domestically on Southwest (which is most of the time) I make multiple reservations so that I can flex my schedule accordingly.



CAPI @ Creating a Passive Income writes Got The Bill Paying Blues- What to Avoid When Paying Your Bills – Paying bills can be a stress inducer for many people. The main goal when addressing bill payments is to lighten up on the stress. Here’s what to avoid.

Danielle @ Saving Without a Budget writes Tips on How to Make and Save Extra Money – Every person always toys with the idea of making extra cash and becoming an overnight success.

Matt @ Budget Snob writes Late Payment: Who are the Worst Offenders? – According to The Times, Government bodies are amongst the very worst offenders when it comes to late payments in the UK.

Amy @ Money Mishaps writes Financial Rules for your Life – Part 2 – There is absolutely no denying that money is a big part lives. It is the means to many important ends including security, opportunity, wish fulfillment and even philanthropy.

Hadley @ Epic Finances writes Did some tech insiders dump their shares ahead of the slump in March? – In a move that has caused more than a bit of unease among many investors, insiders at some of the hottest private and publicly traded Internet companies got rid of substantial personal stock stakes before the March slump began.

Bob @ Dwindling Debt writes 4 Places You Should NOT Swipe Your Debit Card – When we hear about massive data breaches at credit report company Experian or a department store like Target, it becomes apparent that debit card problems are spiraling out of control.

Jeremy @ Modest Money writes Wealth Management: Future Trends – wealth management is a multi-disciplinary advisory process relating to many different financial service branches, which is accessible by anyone with income enough to consider the merits of investing in their financial future. If you’re interested in accessing wealth management, the time is certainly ripe to explore the variety of services on offer.

Andrew @ Finance with Reason writes 3 Ways to Avoid Insurance Salesmen Who Will Sell You the Wrong Product – Many insurance salesmen focus on the art of selling much more than actually selecting the proper product for a client’s situation.



Crystal @ Married (with Debt) writes Woohoo!!! It’s Annual Bonus Time!!! – I am happy to report that I received my annual bonus! It actually ended up being the highest bonus I have ever received, so I was surprised.

Don @ MoneySmartGuides writes You Are Your Greatest Asset – You are your greatest asset. The money you are able to earn is what drives your wealth.

Kurt Fischer @ Money Counselor writes Best Way to Prepay a Mortgage? – Get a 30-year mortgage and pay more interest when you can afford a cheaper 15-year payment? Here’s why that strategy can make sense.

Daniel @ Make Money Make Cents writes Sexy Stocks: Usually Not Worth It – When you first start talking to people about the stock market, the average reaction by the average individual is to change the topic.

Oscar @ Money is the Root writes Can your Personality Determine your Income? – Experts will tell you that, when it comes to earning money, the type of personality that you have definitely influences how much money you will earn, save and/or put towards retirement.

Jack @ Money Saving Ethics writes Taking the Leap: When is it Time to Ditch the Lease? – This past decade has paved the way for some very big changes in the housing market, making it both harder to find a home and easier to get financed for one.

Lenny @ Best Money Saving Blog writes Financial Aid Tips for the Uninitiated – If you are the parent of a child in high school that is rapidly approaching college age, chances are that you have just been introduced to the numbers game that is financial aid.

Sam @ The New Business Blog writes Top 3 Challenges of Running a Small Business – Before leaving your day job to start your own small business, you should first understand the many challenges that you may face as an entrepreneur.

Alexa @ Defeat Our Debt writes How to Get Rid of Debt on Your Own – There is no easy way to get rid of debt. You have several options, each come with their own set of pros and cons. Here is how to get rid of debt on your own.

Danielle @ TeacHer Finance writes Three Types of Apps to Get Your Bank Account Back on Track – There are apps for absolutely everything you need these days, whether it is help managing your eating habits, catching up with your celebrity gossip or sling-shotting birds into the faces of cute little piggies.



IMB @ Investing Money writes Creating Wealth with DRIPs – No investment program is without risk. However, there is one – DRIP – that will help you through the bad times and celebrate when the market rallies.

Ted Jenkin @ Your Smart Money Moves writes Five Ways Social Media Can Make You Money – There are still some people who are avoiding the whole game of social media. They don’t quite get Twitter or have no interest in Facebook.

Wayne @ Young Family Finance writes Let’s Go House Hunting – Or Not – Questions you need to ask yourself before shopping for a house.

Harry Campbell @ Your PF Pro writes Reader Question: Traditional PPO vs HSA Plan – Most employers have realized the benefit of an HSA/HDHP combo by now and offer great incentives to sign up for one. They save money, you save a lot of money, it’s a win-win. And as long as your employer offers a decent HSA plan you almost always come out ahead vs. a traditional plan. The trouble arises when you spend only a couple thousand every year like Amber. Figuring out which plan is right for you can be difficult if you have some expenses but not enough to go way over the deductible. In

Mark Ross @ Money Saving Dude writes 5 Ways How To Earn Money Online Without Any Investment – In today’s world, earning money can be as easy as answering survey questions or sharing something in your Facebook account. In simple terms, you can now earn money online without any investment. Here’s a list of the things you can do to make money online without you spending a dime.

R.J. Weiss @ The Insurance Protection Blog writes The Pros and Cons of Group Life Insurance for Parents – There are advantages to group life insurance and they’re disadvantages. In this post, you’ll learn who benefits from buying group life insurance and who benefits from buying insurance outside of a group policy.

Thomas @ i need money ASAP! writes Make Money Selling Glow Sticks – Selling glow sticks is an easy way to cash in on all the summer excitement.

Jay @ Daily Fuel Economy Tip writes Save Money on Gas as You Fill Up Your Tank – Saving money on gas is not all about changing your driving style or choosing the right vehicle.

Andrea @ So Over This writes Parents Need to Start Teaching Their Kids Financial Responsbility! – Believe it or not, you are personally responsible for every financial decision your children make throughout their entire lives!

Aaron @ Aaron Hung writes It’s Never Too Early: Financial Habits To Build in Your Twenties – Too many students are thrown into college with no understanding of how the real world works and are left to figure it out on their own.

Monica @ Monica On Money writes Military Series: 10 Reasons To Love The USO – My family and I were traveling to last minute to visit family in New Jersey and found ourselves on a 8 hour layover in Nashville, Tennesse. We had several unexpected flight delays.

Alexa @ Single Moms Income writes 5 Tough Lessons Learned From Starting an Online Business – Starting an online business is a popular topic in almost every niche.

Justin @ iPlugin writes Should You Own an iPad Air? – Are you looking for a new tablet because your old one has reached the end of its useful life or maybe simply because you want to upgrade to a better device?

Andrew @ Finance with Reason writes Will College Tuition Keep Rising? How to prepare for tuition inflation – Millennials’ experience should lead to careful scrutiny of the benefits of college, lower overall demand for general degrees, and lower tuition inflation.

Mario @ Adventures in Frugal writes What financial changes should you make during employment uncertainty and transition? – Here are some steps to get yourself on solid financial ground when job uncertainty or unemployment come around

Erastus @ Sprout Wealth writes 5 Best Investing Books For Beginners – If you are new to investing or just starting to invest especially with little money, education is vital as you want to make sure you are making educated decisions. So, I hereby share with you best investing books.



Little House @ Little House in the Valley writes Your Life Can Control You, or You Can Control Your Life – I think there’s still hope for those that have difficulty taking responsibility and controlling their destiny. So, let’s take a look at qualities that need to be in place before taking life by the reigns

SavingMentor @ How To Save Money writes Savings Account Interest Rate Chasing Can Be Rewarding – I recently opened a new Tangerine savings account to take advantage of the $150 in sign up bonuses they are offering as part of their rebranding efforts. What I didn’t mention was that one of the main motivators for opening this new account, other than the sign up bonuses and great features, is to start doing a little bit of interest rate chasing.

Debt Guru @ Debt Free Blog writes Prepaid Credit Cards: Are They Right For You? – Prepaid credit cards: Are they right for you? Once people understand why they are good, many people do decide to have one for various reasons. Read here.

Miss T. @ Prairie Eco Thrifter writes Bee Sting Butts, Freeze Dried Diapers and Other Hilarious Happenings of Poverty – Dolly Parton says in her autobiography, “ I have found that poverty is something that you don’t realize while you are in it”. That was true for me as well, but I also think that poverty is a very relative concept.

Joshua Rodriguez @ CNA Finance writes Financial Hardship Programs – The Ultimate Guide – In this post, Joshua shares a great deal of information about financial hardship programs. Could they be your key to debt freedom? Find out here!

Mr. 4HWD @ The Four Hour Work Day writes 3 Ways to Develop a Support System – When you’re working hard to develop a side hustle or business, or trying to make the leap from employment to entrepreneurship, you’re going to need a few shoulders to lean on from time to time. Managing a full-time job working for someone else while establishing your own side gigs is exhausting, and everyone needs a little help along the way.

Gretchen @ Retired by 40! writes What can Miranda Lambert Teach About Frugality? – During my commute one day I found inspiration in Miranda Lambert’s “Automatic.” Find out why it struck a chord and what it teaches about frugality.

Lily @ Paying Debt Down writes Better Late Than Never: How to Avoid Late Fees at All Costs – Late fees are fun for no one but they are also very easily avoided.

Katie @ IRA Basics writes The Secret of Saving for Your First Deposit – Are you ready to become a homeowner and do not fancy a no-deposit home loan? Then the biggest obstacle standing in your way is the first deposit or down payment.

Marissa @ Finance Triggers writes 3 Ways to Ensure You Have Money Left in the Last Week of the Month – We all know that when we look in our bank accounts during the week approaching pay day, it is more than likely that a few moths will fly out.

Marissa @ Thirty Six Months writes How to Save Money On Moving House: – When moving house, you have two options: to transport things on your own, or hire a moving company.

Justin @ Edward Antrobus writes Low Income is Better than No Income: How to Climb Out of the Low Income Bracket – Nowadays low income brings up a negative image. It feels like a curse word to those that have to list it in their paperwork and feels like a scarlet letter.

Larry @ KrantCents writes Money Management Tips for Children – Money management is the process of budgeting, saving, investing, spending or otherwise in overseeing the cash usage of an individual or group.

Charles @ Getting A Rich Life writes Find Your Financial Freedom Inspiration – Those who are inspired are more likely to stick with their path towards financial independence.

Emily @ Evolving Personal Finance writes A New Appreciation for Living Below Our Means – While budgeting to live solely off my husband’s income, I came to a new appreciation for our frugal ways. We live far enough below our means that our budget won’t be terribly impacted by me getting kicked out of grad school.

Bryan @ Gajizmo writes Back To School Shopping and Personal Finance Tips – Something as simple as back to school shopping can teach your children the value of money, a budget, and basic personal finance tips. Learn how to take advantage of this opportunity and incorporate life lessons in your shopping trips.

Maria @ The Money Principle writes A day at the horse races or how some lovely horses got into my pockets – Last Friday, John and I spent a day at the horse races. We lost a bit of money but it was fun.

Stephanie @ Six Figures Under writes Does a No-Spend Month Really Save Money? – My brother asked me “Wouldn’t a no-spend month just cause you to spend more money next month because you’ve exhausted all your resources?” Here’s my response.

Gretchen @ Retired by 40! writes **UPDATED: How Much Money to Retire by 40? – Nearly a year later, I revisit how much money it takes to Retire by 40 – and it’s less than you think!

Little House @ Little House in the Valley writes Everybody Needs a Budget – Ignorance + money = financial trouble. The lesson: everybody needs a budget…and needs to live within their means.

Miss T. @ Prairie Eco Thrifter writes Free and Low Cost Programs for Your Children This Summer – There are plenty of companies stepping up to offer free programs for kids. If you want to keep your children entertained this summer without going broke, try some of these suggestions:

Erastus @ Wise Dollar writes Three Simple Ways to Save Money – You don’t have to make drastic changes to your lifestyle in order to start saving money, just pay attention to the details in your day to day life and make smart decisions. So, I hereby share simple and smart ways to save money.