Financial Carnival For Young Adults 2013

Carnival of Young Adults Developing good personal finance habits as a young adult will ensure financial success in the future. Here are some of the best financial articles of the past week.

GD @ Gajizmo writes – Instead of doing all your shopping on Black Friday and Cyber Monday, check out this guide to find out what time of year is the best time to buy certain products and services and get the best deals.

Bryan @ MLIQ123 writes – Treat your life insurance purchase like any other product or service – comparison shop to find the best value. Considering life insurance is a long-term investment of your money, it is important that you buy the best policy from the right company at the lowest cost.

Ted Jenkin @ Your Smart Money Moves writes – It’s pretty amazing to me how many people truly still don’t understand our payroll tax system.

Cat Alford @ Budget Blonde writes – Now that I’ve been back in the U.S. I’ve been spending money left and right. It’s really hard to save money here! There are so many unexpected expenses!

Daisy @ Suburban Finance writes – According to, the term -monopoly- is defined as “exclusive control of a commodity or service in a particular market or a control that makes possible the manipulation of prices.” I highly doubt I knew what that meant when I was younger, but read what I learned.

Jacob @ AllPersonalFinance writes – 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.

Carmen @ MyLifeInsurance writes – Learn about term life insurance, why buy it, how it compares to permanent coverage, and how to find the cheapest quotes online.

Luke @ Learn Bonds writes – A look at 2 moderate risk asset allocation models for those who want to have a higher yield while being able to withstand risk in maturities.

Jon @ MoneySmartGuides writes – Identity theft has made so many victims that you should no longer wonder if your identity will be compromised, but when.

SBB @ Simple Budget Blog writes – The things to watch out for as you begin your annual holiday shopping experience.

Roger the Amateur Financier @ The Amateur Financier writes – A contribution discussing some ways to keep your cost of going to interviews and job hunting to a minimum while you are getting a number…

Crystal @ Budgeting in the Fun Stuff writes – 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…

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

Hank @ Money Q&A writes – 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!

Kyle @ The Penny Hoarder writes – Learn about the key differences between short-term loans and long-term loans. No matter what kind of business you have, this information will help you determine which small business loans can best benefit your bottom line.

CAPI @ Creating A Passive Income writes – Most people are either unaware of or are reluctant to use donation sites. For some, this may seem like virtual panhandling, but the exact opposite is true.

Mrs. Accountability @ Out of Debt Again writes – 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?

JP @ My Family Finances writes – 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.

Crystal @ Married (with Debt) writes – I just bought myself a new TV. There wasn’t anything wrong with my old TV. I just wanted a new one. Before you start typing, let me explain.

Ben Luthi @ The Wealth Gospel writes – My experience as a missionary in Germany was unforgettable. Beyond meeting all the crazies and getting to serve others, I learned a lot about financial independence

Michelle @ Diversified Finances writes – Something that I am e-mailed a good amount about is how a person can land an online job. I have had a decent amount of online jobs, and I’m always out there looking for new ones. I feel like a professional in applying for online jobs!

Daisy @ When Life Give You Lemons writes – If you are a woman in the professional workforce, perhaps you, too, have experienced very strong, completely opposite reactions to the phase of life you’re in. And no doubt you 100% felt those feelings when you had them. But then they left and you just didn’t feel that way anymore. Sarah writes about four phases that she wishes she didn’t want to share out loud, but feels compelled to

Sarah @ BloggerPreneurship writes – There’s no doubt that the number of comments that one gets on their blog posts is important, and Sarah at Bloggerpreneurship writes about how to get more.

Bobby Kania @ Making Money Fast and Slow writes – Want to get free cars for life? It’s as simple as not upgrading every three years and instead investing the difference.

Katie @ IRA Basics writes – 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.

Buck @ Buck Inspire writes – It is time to enroll for your employee benefits! Some basics are pretty straightforward and really depend on personal preference like HMO versus PPO.

Monica @ Monica On Money writes – It might be hard to believe, but it is entirely possible to graduate from college debt-free. Think about how amazing it would be to start your new career without worrying about paying off student loans.

Holly @ Club Thrifty writes – As the mother of two toddler daughters, I am horrified by some of the toys I have seen in stores. Read this post for 5 ridiculous gifts I will not be buying.

Larry @ KrantCents writes – 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.

Natalie @ Debt and the Girl writes – I was perusing the Netflix selection on my computer one afternoon and I found a show called Extreme Cheapskates.

Alexa @ Single Moms Income writes – If you want to save money and buy Christmas gifts kids will love, you need practical gifts. Here is a list of five practical Christmas gifts for kids.

GenY @ Gen Y Finances writes – You’ve probably heard more times than you can count that you should have savings put away for a rainy day. You may have also heard the old phrase that one size does not fit all.

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

Adam @ Money Rebound writes – Fictional characters that made you wish you had their riches when you were younger.

Lazy Man @ Lazy Man and Money writes – So what’s the best cell phone/plan value today? It’s going to be different for different people who use cell phones in different ways, but I believe I found something that gives you almost all the functionality at a fraction of the price.

Christopher @ This That and The MBA writes – Most likely you have never come across this situation, you are standing in line to pay for something and your card gets declined for insufficient funds. Thankfully it has only happened to me a few times, fortunately I was paid within a day or 2 of the insufficient funds.

Grayson @ Debt Roundup writes – 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.

John @ Frugal Rules writes – With the rising cost of college, some now regret having gone when they end up in loads of student loan debt. With a little planning and outside of the box thinking you may be able to cut down on some of those costs so as to avoid as much regret.

Matt Becker @ Mom and Dad Money writes – Disability insurance is one of the hallmarks of a secure financial plan. And it’s something that almost everyone needs. If you rely on your income, disability insurance is a must.

Pauline @ Reach Financial Independence writes – Whether you think that it is OK to spend a lot on the holidays is up to you and your situation, but you can certainly cut back if you don’t have the funds.

Pauline @ Make Money Your Way writes – How can you make money around Christmas at your day job?

Jon @ Making Money Fast and Slow @ Making Money Fast and Slow writes – Here’s my story about how I paid off $12,000 worth of student loan debt by trading options.

Harry Campbell @ Your PF Pro writes – One of my goals during my three month work hiatus was to look into a career in financial planning. Even though I majored in aerospace engineering during college, it wasn’t until after I graduated and started working that I found out how much I liked helping people with their finances. People are usually surprised to discover that I’m so into personal finance considering my educational background. But I think the two go hand in hand; I base a lot of my investing principles/techniques off f

Harry Campbell @ The Four Hour Work Day writes – On most nights when I get home from work, I have a pretty consistent routine. I’ll work online for a couple hours while I have a little snack and then it’s off to prepare dinner, or grab a quick bite to eat. Once in a while, my fiancee will even cook dinner for me! But after that, I sit down in front of the TV and put on one of my favorite shows: The Office. It’s kind of sad but that show is one of the only ones I can watch over and over without it ever getting old.

To contribute or host, check out the .