Carnival of Financial Planning B – Tryptophan Edition

TryptophanHappy Thanksgiving, one and all! I hope yours was a great one, and that you’re able to catch up with some friends or family this weekend. As for me, after the giant family flag-football game I played in on Thanksgiving day, I’ll be relaxing this weekend and working around the house.

Well, I’ll be working a little more than that because we’re planning to try darkening our kitchen cabinets using a sweet re-glazing method we found online. The only problem is that the high temp is in the mid-50s this weekend, so I’m not optimistic that we’ll get that finished up.

Any fun projects you’re working on this weekend?

OK, on to the carnival!



Sustainable PF @ Sustainable Personal Finance writes The Importance of Saving Early – When my husband and I first married, we were poor and in debt. It was a difficult place to be, and, even as we made inroads and improved our finances, we still felt pinched.

Sam @ The New Business Blog writes Over 70% of Employees Missing Out on Pretax Dollars for Medical Expenses – In 2013 fewer Americans than ever put pretax dollars a way to cover future medical expenses but changes in 2014 will make these flexible spending accounts bit more attractive. These new changes will actually give taxpayers a bit of extra time to use their money.

Matt @ Budget Snob writes How your Upbringing Affects your Money Habits Part 2 – Something that most people do not realize is that how they were raised as children can actually have a big impact on how they make decisions as adults, especially with money.

JP @ My Family Finances writes Why Paying Down Debt Is Better Than Investing In The Stock Market – Overall, while investing in the stock market may seem like a good idea, the fact remains that doing so would only put you at a greater risk of losing more money.



Hank @ Money Q&A writes How You Can Save A Ton Of Money With Coupons This Holiday Season – You don’t have to go to extreme measures to make coupons, coupon codes, and deals help you and your family save money with coupons. Here are some great tips to save a ton!

Little House @ Little House in the Valley writes Reign In the Spending Over the Holidays – Unbeknownst to the ad agencies pumping out creative spots that grab our attention, we have free will over how much we spend this holiday season.

GenY @ Gen Y Finances writes How to Negotiate Lower Rent – Where you live is in important. It often times not only determines your lifestyle, but it consumes a majority of your income as well. Fortunately as a renter, you have a bit more negotiating power than that of a homeowner in terms of how much you will end up paying each month.

Sam @ Grad Money Matters writes Should You Advertise Your Company On Groupon? – The other day I received an email from a potential client asking if her company should use Groupon to advertise her business. It can be a hard decision. I’ve seen Groupon work very well for some companies, and then for others I have heard a few horror stories where Groupon did not help their company at all, and actually cost their company money.

Brock Kernin @ Clever Dude writes Budgeting for the Holidays Late, Again – Every year I plan to save up for the holidays early, but as usual, I’m Budgeting for the Holidays Late.

Jay @ Daily Fuel Economy Tip writes Five Ways for Parents to Save on Tutoring – You may be starting to notice your child’s strengths and weaknesses in school, as far as grades go. There is a solution: tutoring.

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.

Buck @ Buck Inspire writes Tis The Enrollment Season To Be Jolly – It is time to enroll for your employee benefits! Some basics are pretty straightforward and really depends on personal preference like HMO versus PPO.

Alexa @ Defeat Our Debt writes Personal Finance 101: Back to the Basics – To layout a strong financial foundation you need to know the personal finance basics. In this post we go back to the basics for you.

FI Pilgrim @ FI Journey writes Is Patience Still A Virtue? – There are a lot of things in life that money cannot buy. But in my experience there are also a lot of things that debt can take away. I council patience!

Miss T. @ Prairie Eco Thrifter writes How to Shop and Save Money When Expecting a Baby – Few people can afford to just go out and buy all the paraphernalia required for a baby. So let’s look at some ways to shop and save money when expecting a baby.



SFB @ Simple Finance Blog writes How to Set Yourself Up To Be a Financial Success When Starting the First Job—— – Whenever anyone starts out at their first job, it is a process of learning few significant lessons in order to succeed in the real world.

Lazy Man @ Lazy Man and Money writes Now NutriBullet is Threatening to Sue Me – No reputable blogger should ever have to add a category to their blog called “lawsuits.” Yet that’s what I’m doing with this post.

Ben Luthi @ The Wealth Gospel writes Changing Your Behavior Isn’t Enough – If you want to obtain financial security, it’s not enough to change your behavior. You have to change your nature.

Marissa @ Thirty Six Months writes The Joys of Being a Freelancer – While I do not consider my consider my consulting role that of a freelancer, I have, at times, taken on freelance clients for various projects. The beauty of being a freelance is not necessarily the freedom to work wherever you want, but more so the ability to work with whomever you feel is a great fit.

Adam @ Money Bulldog writes 5 Signs You Chose the Wrong Career – Do you find yourself getting bored at work way too often? Maybe it’s time to switch career paths.

Dollar @ Easy Extra Dollar writes Avoiding Scam Online Job – While looking for a job online can make the technique much simpler and faster, there is a hidden danger involved in going about finding a job in this manner. Each day, limitless job seekers are sucked in to risky online job scams.

Pauline @ Make Money Your Way writes I bought another PF blog! – I just bought a third PF blog, here are the details of how to value a blog and the expected returns!



Mr. Frenzy @ Frenzied Finances writes Common Personal Finance Mistakes and How to Avoid Them – There are widespread personal finance mistakes made by many Americans that can easily be avoided. What mistakes are you making? Read here to find out!

SavingMentor @ How To Save Money writes More Free Money: $100 Gift Card And Up To 5% Cash Back On Gas & Groceries – Last year about this time I wrote about a very lucrative deal where people could get a $100 gift to one of four popular Canadian stores or restaurants simply by signing up for one of the best no fee cash back credit cards available to Canadians. It was very popular amongst my readers and a lot of people took advantage of it including myself and my wife.

Wayne @ Young Family Finance writes Internet Tips: How to Make Extra Money Online – Looking for some extra for your wallet or savings? Here are some of the legitimate ways to make extra money via the Internet.

Lily @ Paying Debt Down writes Can you improve your credit in 15 Minutes a day? Yes you can – More and more people are realizing that maintaining a high credit score and understanding their credit is vital to their financial well-being as well as their life in general.

Grayson @ Debt Roundup writes The Black Friday Spending Spree – As a fan of infographics, I was able to find one about Black Friday and how much money is actually spent during that day and the weekend following. You might be surprised how much people spend and the trend seems to be increasing.



Lauren @ L Bee and the Money Tree writes The No-Spend Clothing Challenge Wrap Up – Was the no-spend clothing challenge a success? I cheated, but ultimately it was a success and I reduced my clothing spend by 73 percent.

Minimalist @ Minimalist Finance writes Ways to Find Money to Save – Over and over again, we hear about people that use the excuse that they can’t save money for the future because they don’t have enough money in the now. Many people struggle to put money away when they are already living hand to mouth.

Jacob @ AllPersonalFinance writes Commodities: Tips and Tricks to Expert Investing – Many investors, young and old, look to the commodities market when seeking double-digit returns. In this market, one can make serious returns even when the overall stock markets are down. However, when trading commodities, one should follow a few basic rules should they want to achieve success. Here are four tips for a commodities investor.

Don @ MoneySmartGuides writes 5 Tips for Identity Theft Victims – Identity theft has made so many victims that you should no longer wonder if your identity will be compromised, but when.

Tushar Mathur @ Everything Finance writes How To Save A Few Bucks When You Go Out To Eat – If you want to go out to eat but you’re on a tight budget, here’s how to save a few bucks when you go!

Crystal @ Budgeting in the Fun Stuff writes 10 Tips to Save Money – Here’s an oldie but goodie from early 2011! Here are my top 10 tips to save money: 1. Save Automatically. Setting up automatic contributions is the best way, in my opinion, to save money…

Cindy @ MidLife Finance writes Getting the Most from Black Friday – Inside and Out – It’s coming — the holiday shopping period that drives us crazy each year, but also gives up great bargains. BlackFriday is on its way!

IMB @ Investing Money writes Increasing the ROI on Your Investments – This holiday season, everyone wants a little extra cash to spend on those you love. If you are an investor, you might be looking for the money from your investments. If you can squeeze a little higher return from your investments, you might be able to spend a little more in Holiday shopping.

Mrs. Accountability @ Out of Debt Again writes Shopping Cart Abandonment: Three Ways to Drop the Rate – Have you ever logged onto a store’s website and browsed around, maybe clicked on a couple of items to add them to your cart, then left the page without buying a single item?

Nell @ The Million Dollar Diva writes How to Save for Your First Home 20% Faster – Want to get into your first home 20% faster? Here’s an easy way for Australian’s to get up to an extra 20% for their deposit.

Michael Kitces @ Nerd’s Eye View writes The Idiocy Of The IPO Price Pop – The whole point of an IPO is for a company to sell off a piece of itself, raising money to help invest for its future growth. Which actually means companies that have a big price “pop” after they IPO get less value, and the “best” IPOs should actually be the ones where the price does NOT immediately rise!

Lenny @ Best Money Saving Blog writes Avoid these Common Mistakes or you will Always be Broke – Part 2 – While being broke may just be the fault of your circumstance because you are out of work, underemployed or just went through bankruptcy, the fact is that most people are broke all the time because they make a lot of financial mistakes.

Andrea @ So Over This writes More Money, More Gifts: Effective Ways to Save on Holiday Shopping – There are so many people looking to save money during the holidays while also getting the gifts that they want for their family and friends. Fortunately, there are several effective ways that this goal can be accomplished.

Larry @ KrantCents writes Everything Is Always on Sale! – Everything is always on sale seems like an exaggeration! If you are expecting to go to your local store and find absolutely everything on sale, you will be disappointed. Then again, you can find just about everything on sale somewhere.

Justin @ Root of Good @ Root of Good writes Investment Management Using Asset Allocation Targets – Many investors have an asset allocation for their portfolios. Find out how to rebalance your portfolio using asset allocation targets and free software.

Matt Becker @ Mom and Dad Money writes What is Rebalancing and Why is it Important? – Balance is important in all aspects of our lives, and it’s no different in investing. If you’ve done the work of choosing a purposeful investment strategy, then it makes sense to rebalance when necessary to make sure you stay on track.



Brian @ Luke1428 @ Luke1428 writes What Good Is Freedom When You Are Told What To Do With It? – Freedom is the cornerstone upon which the United States was founded. The implemenation of Obamacare has blurred the lines between personal freedom to choose and the government’s role to better society.



Tushar @ Finance TUBE writes Time to Manage Your Largest Asset – For most people the largest assets are there home and the contents inside of it. But many people don’t spend enough time managing their home, not understanding their financial implications of not managing it.

Maria @ The Money Principle writes Frugality or folly: stop wasting food! – We all waste too much food and it is time to stop. As a bonus you’ll learn how to make spaghetti carbonara and meringue.

Marissa @ Finance Triggers writes How to spot a good mortgage broker from a bad one – How can you decide if a mortgage broker is a good one or a bad one? The best way is to learn the answers to these questions.



Ted Jenkin @ Your Smart Money Moves writes Do You Have 6.2% Extra In Your Paycheck? – It’s pretty amazing to me how many people truly still don’t understand our payroll tax system.