Financial Camaraderie

On behalf of , we present the week’s best personal finance articles.

BUDGETING

Joe Saul-Sehy @ Stacking Benjamins writes – Should you compromise with your personal finances? This article discuss the government shutdown as an example of a lack of compromise. At the same time suggesting a few examples of when to compromise in your personal finances.

Holly @ Club Thrifty writes – Breaking Obamacare News: The plan still sucks. Read why I think the Affordable Care Act is destined to fail in this post.

Oscar @ Money Is The Root writes – Even though 90% of Americans have some type of personal finance planning, very few have a truly clear, well-rounded approach to reaching their financial goals.

Danielle @ Saving Without a Budget writes – In most cases if you have a contract with one of the top 4 cellular carriers, as well as a data plan and one of the newest smartphones, you’re probably paying over $100 a month for your services and, in many cases, closer to $150.

Jack @ Money Saving Ethics writes – If there is one thing that financial advisors tell their customers on a regular basis, it is that home renovations can increase the value of their home and help them to get more money when it is time to sell. But this may not be true.

Amy @ Money Mishaps writes – When they bought their first home in North Dakota in 2004, Shane Ede and his new wife were completely unprepared financially. However, since they did not have an experienced mortgage professional helping them and there was no pre-qualification process necessary in order to purchase, the Edes were able to buy a nice little 3 bedroom home.

Christopher @ This That and The MBA writes – The good news is that you don’t have to resort to bullying and stealing just to save money. It may be difficult but it is not impossible. For one thing, students just need to know their priorities. They should always keep in mind that they are saving money for something important, and that money is never easy to earn so it must be given importance.

Harry Campbell @ Your PF Pro writes – One of the ways companies like to hit up consumers over and over is by charging monthly or yearly subscription fees. That’s usually why most businesses won’t offer lifetime memberships, instead they opt for subscription type services. That way, you have to keep coming back every year and give them more money. It’s a pretty solid business model but does it make sense for the consumer?

Gary @ Gajizmo.com writes  - Unfortunately, many American consumers overspend when buying a car. Here’s a guide on how you should budget for your vehicle and a few strategies on how to determine how much car you can afford.

BUSINESS

Anton Ivanov @ Dreams Cash True writes – How I reached 100,000 Alexa rank with my site in under 6 months and what I learned about blogging, online marketing and business growth.

Robert @ Entrepreneurship Life writes – When you run a business, putting your most professional image forward is very important for building relationships and improving your reputation. If you already own a .com, .org, or, .net website address, you can do everything below for free.

Simon @ Modest Money writes – Politicians would love for us to believe that the reason unemployment rates are finally beginning to fall is their brilliant policies. But the real reason is likely good old American ingenuity, not Washington lawmakers. Ready to crank up your new Florida business venture? Here’s how.

CAREER & EDUCATION

Rich @ Growing Money Smart writes – Here are my 529 plan tips based on my experience based on what I’m doing for me kids. Learn by not repeating my mistakes and optimize your college strategy.

Kyle @ The Penny Hoarder writes – Retirement is something many of us will look forward to. Saying goodbye to the world of work, the daily grind and having to get up at 7am every weekday morning are just reward for decade after decade of turning up to our jobs on time, putting a good shift in and contributing to the economy…

Michelle @ Diversified Finances writes – With my side business (which will very soon be my main business), mostly everything that I do is online. I can work from the comfort of my home and create a schedule which best works for me and my services.

Jordann @ Making Sense of Cents writes – This isn’t the first time I’ve worked from home, I actually have done it in two other jobs, so while I know what to expect – it’s still an adjustment. One of the biggest things to change – besides talking to coworkers exclusively through a screen, is my budget. Working from home changes my expenses in ways that I didn’t initially anticipate, and it’s not all savings.

Alexa @ Single Moms Income writes – Since I am now getting ready to transition myself into full time freelancing The Psychology of Selling: Increase Your Sales Faster and Easier Than You Ever Thought Possible seemed like a perfect fit.

Adam @ Money Rebound writes – Explaining just how important finding the middle-ground between work and enjoying your life really is.

Pauline @ Make Money Your Way writes – This post will show you about the pros and cons on how to make money entering giveaways.

FINANCIAL ADVICE

GD @ MLIQ123 writes  – Is free life insurance a myth? Check out return of premium life insurance and the pros and cons of a policy that refunds all your premiums if you outlive the term period. Is ROP term life insurance right for you?”

Michael Kitces @ Nerd’s Eye View writes – While the new Premium Assistance Tax Credit for health insurance can make coverage a lot more affordable, rising income can quickly phase out the credit, leading to those with only $44,000 of income facing a whopping 33% marginal tax rate!

Larry @ KrantCents writes – Teaching your college-age child about the realities of credit is challenging. Is it important they learn about the good, the bad and the ugly features of credit? Absolutely.

FI Pilgrim @ FI Journey writes – Are you curious about how to become financially independent? In this article I lay out the basics (including a graph) so you can see how it works.

Robert @ Cult Of Money writes – The Patient Protection and Affordable Care Act, often referred to as Obamacare, was signed by President Obama in March of 2010. Since then several changes regarding health insurance have taken place.

Harry Campbell @ The Four Hour Work Day writes – “When I started my first blog in January of 2012, I had no idea what I was in for. I didn’t do it to make money and I definitely didn’t do it for the accompanying fame (who knew I’d become so famous?!). Instead, the main reason for starting my first personal finance blog was because I sincerely enjoyed talking about money. I liked saving money, I liked earning money and I wanted to have more of it. So why not start a blog that talks about all those things? ”

FRUGALITY

Adam @ Money Bulldog writes – Having a great hobby doesn’t always mean spending money, here are some cheap but fun things to do on your free time.

Pauline @ Reach Financial Independence writes – This post will show you how important is a scanning code of practice.

INVESTING

Wayne @ Young Family Finance writes – What you need to know about mortgage returns, short sales, and foreclosures.

Jester @ The Ultimate Juggle writes – This is how my family juggled the decision of what vehicle to buy for our family. See how my brain processes such decisions.

IMB @ Investing Money writes – Housing prices are rising, with some increases quite dramatic. Time to invest? Read here for information on investing in building products and retail.

Barbara Friedberg @ Barbara Friedberg Personal Finance writes – How to create a diversified asset classes portfolio. Part 2 of what is Best Investing Method Series. Understand diversified asset classes investing with indexes.

Matt Becker @ Mom and Dad Money writes – When it comes to financial advice, there’s so much BS out there and it makes me sick. When it comes down to it, you’re the only one who truly has your best interests at heart. There are people who can help you make your goals a reality, but you have to understand that there are likely even more who are much more interested in simply taking your money and running. And the financial services industry is one of the worst in this respect. Educate yourself and thoroughly evaluate any prospective ad.

Dividend Growth Investor @ Dividend Growth Investor writes – The most important thing for investors is to actually get started investing, even if they have low initial amounts to put to work. This would help them benefit from power of long term compounding, and would allow them to reach their financial goals.

John @ Frugal Rules writes  - Investing in the stock market is vital to building wealth and with the variety of options available of where to invest it can be confusing. Choosing a good brokerage that has good offering and low fees can be a great way to help grow your retirement portfolio and get your investing on the right foot.

OTHER

Daisy @ Suburban Finance writes – Ever wonder how to set a Christmas budget? You should be budgeting for Christmas as soon as possible to prepare.

SFB @ Simple Finance Blog writes – Anyone who has graduated from college has indeed made a great achievement, but along with the excitement comes the anxiety of graduating without a job and not sure what the future holds for them.

Mrs. Accountability @ Out of Debt Again writes – We have been struggling to get out of debt again since 2007. In February 2002 I was completely debt-free.

Mike @ Personal Finance Journey writes – 7 Myths and Facts about Interest rates and what do interest rates mean to normal people like us in our everyday lives?

Michelle @ The Shop My Closet Project writes – Go grab your wallet or purse before reading this post. Great, you’re back. Now, I want you to look into your wallet/purse whatever. You know, the thing that you put your cash and credit cards in, ok now count your money. Ignore the credit cards. They’re not real! Interested?

Crystal @ Budgeting in the Fun Stuff writes – The following is a guest post from Stuart Laing of Daily Money Bucket. This is how he lost 40 pounds and improved his finances.

Eva Baker @ TeensGotCents writes – I may have spent most of my emergency fund on something that was most definitely not an emergency, unless I can count Paparazzi jewelry as an emergency…

Debt Guru @ Debt Free Blog writes – Filing taxes can be one of the most stressful times of the year for most people. People who like to procrastinate will often make this difficult time even worse. However, there are many ways to make income tax filing time easier. Here’s 5 stress free tips to filing your income taxes the easy way.

Cindy @ MidLife Finance writes – Wherever life takes you, you still have to eat. So does your family. But your food budget has been ballooning out of control for months now! Rein it back, with the help of these tips.

Minimalist @ Minimalist Finance writes – Making money online is something that is coveted by many, but achieved by fewer. While it is relatively easy to make money online once you get started, it can be difficult to get past the initial phase of not knowing where, or how, to start.

Cat Alford @ Budget Blonde writes – Would You Sell An Organ To Pay Off Debt? What about donating your eggs? I don’t think I would, but I want to hear from you!

Don @ Money Reasons writes – The “Uptick Rule” was removed back in 2007 and within a few months we had the great recession… I thought removing the uptick rule was wrong then and I still do… read why!