Learning to Manage Money

Carnival of Money Pros Growing Edition

Hi, welcome to Growing Money Smart!

I thought I’d share a little about me before I go to the actual carnival content!

I work a day job, so this site is more of a release for my thoughts on accumulating wealth and the techniques that has worked for me.  If you’re even cruising around the Internet, stop by sometime…

While I’m mostly a Wealth Accumulation/Thoughts site, I decided to open up the site to all financial articles in this week’s Carnival of Money Pros.

Well, It’s time for another great list of personal finance article in this issues of Carnival of Money Pros.  The owner of Money Pros wants me to remind you to consider signing up to host a “Carnivals of Money Pros” session at the Blogger Carnivals website.

Okay, now with marketing out of the way (like they make money from this somehow lol), let’s get it on…

Carnival Articles:

Jester @ The Ultimate Juggle writes Fairness In Spending On Kids – When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).


Joe Morgan @ Simple Debt-Free Finance writes The Worst Things For Your Credit Score. – Everyone knows bankruptcy is bad for your credit score, but here are 6 “little things” that can be holding you back.

Pauline @ Reach Financial Independence writes 9 tips for UK expats – Want to retire under the sun? Here are 9 tips to take care of your finances before you retire.

Lance @ Money Life and More writes What Would You Do?: Should I Refinance My Mortgage? – I reached out to a mortgage banker I have dealt with in the past and asked for a quote. Inside are the details of my mortgage situation along with the quotes I received. Do you think I should refinance my mortgage based on these circumstances?

Dividend Growth Investor @ Dividend Growth Investor writes Why am I obsessed with dividend growth stocks? – I have an obsession with dividend stocks. I log-on to my brokerage accounts every morning, in order to check the amount, timing and source of any dividends deposited. On certain days, such as the 15th of some months, the amount of dividends received is much higher than my salary. To me dividends represent financial freedom from a 9 to 5 (or typically later) job.

Edward Antrobus @ Edward Antrobus writes Is There No End to the Fees for Selling a House? – When you are ready to sell your home, you may not realize all the fees. Selling a house is expensive! Dominique Brown provides a list of fees involved.

Bryan @ The Insurance Expert writes How To Save With Cheap Car Insurance Quotes And Get The Best Policy Coverage – Helps consumers save on car insurance by discussing the discounts to look for, the factors that affect insurance rates, as well as the average premiums per state and type of policy.

Eddie @ Finance Fox writes Lessons Learned From 3 Years as a Home Owner – Three years ago this September I bought my first home, and in the process made the biggest financial decision of my life.

Suba @ Broke Professionals writes Kids and Money: What They Really Think – What do kids really think about money? I asked my daughter – and her friends – what they’d do with a million bucks. Their answers are hilarious!

krantcents @ KrantCents writes Moving When You Retire Is Dumb! – Unless you are moving with friends and family, moving when you retire is dumb! You have roots in the neighborhood, family and community. Social connections are very important to living a long happy life.

Don @ MoneySmartGuides writes More on Tipping – A few months ago I wrote a post asking if tipping is out of control. I was at a restaurant recently and realized I have more to say on this topic.

Crystal @ Budgeting in the Fun Stuff writes We Scared Ourselves – Now to Stop Spending Like Crazy People… – Today is the last day of our October to November budget period. And we were bad. Really bad. We have plans next year, so we have to start saving again.

Tushar @ Finance TUBE writes Five Tips to Take Control of Personal Finances – Today we will talk about five tips take control of personal finances once and for all. It can be difficult to get out of the financial whole. But there are some of the easy things that you can do to take care of your finances.

Bill @ Budgets Are Awesome writes Generic K-Cups to Save You Money – Coffee is an expensive part of a productive life. Learn about new K-Cups that will be half as costly as the brand name.

Weasel @ Wealthy Weasel writes What is Yield on Cost? – Yield on cost can be used for dividend stocks, bonds, real estate and more. Calculating the yield on cost is an important part of investigating investments.

Roger the Amateur Financier @ The Amateur Financier writes 3 Negative Side Effects of Pregnancy (That Nobody Mentions) – This week has been a pretty interesting week. I have been attending Lamaze classes with my thirty-six week pregnant wife this week, and it’s been something of

MR @ Money Reasons writes Getting Your Ideas Implemented – Over time here are the methods I’ve discovered on getting your ideas implemented at work or any place really. Some of the same techniques work to get issues resolved too.

Daisy @ Add Vodka writes October Spending – When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).

Daniel @ Sweating the Big Stuff writes Think Hurricane Sandy Doesn’t Affect You? Think Again – While most of America lives in states not affected by Hurricane Sandy, the entire country will feel its effects, especially the bad and ugly ones.

Don @ MoneySmartGuides writes The Importance of an Emergency Fund Contest – Having an emergency fund is one of the first things you should do when taking control of your finances and for reaching the financial life you want.

Corey @ Steadfast Finances writes Student Loans – Yea or Nay? – Student loans have advantages and disadvantages. Find out whether students loans are right for you.

Ted Jenkin @ Your Smart Money Moves writes IRS Announces Tax Changes For 2013 – It’s that time of year where if you haven’t done some year end tax planning, you are sure to be behind the eight ball when it comes to saving as much money as

A Blinkin @ Funancials writes The Fiscal Cliff is a Solution, Not a Problem – Once the media gets a hold of an idea and it enters it’s way into everyday conversation, it’s either over-hyped or (not as bad as they say.) In my opinion, the Fiscal Cliff falls into the (not as bad as they say) category.

Hank @ Money Q&A writes How To Stay Out Of Debt This Holiday Season – Here are several ways that you can avoid adding to your debt this Christmas. There are ways that you can learn how to stay out of debt this Christmas and holiday season.

Rohit @ The Money Mail writes Roth Income Limits and Contribution Limits – Importance of Roth IRA. Updates for 2013 contribution and income limits for Roth IRA and a reminder for funding 2012 account.

Jennifer Lynn @ Broke-Ass Mommy writes Is Your Significant Other A Spender Or A Saver? – When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).

IMB @ Investing Money writes What is a Mutual Fund? – Find out what a mutual fund is and how to use it to your advantage in your portfolio.

Jon the Saver @ Free Money Wisdom writes Three Financial Decisions Newlyweds Need to Make – These three financial decisions are things you really need to take into consideration if you’re ever to ensure that your future is financially stable.

CAPI @ Creating a Passive Income writes Supplement your passive income online – Traditionally, working meant spending Monday to Friday, 9-5 in an office building and living for that moment of freedom when the clock hit 5 on a Friday. The advent of the internet has changed all of that and the way we work has been adapted to include the flexibility of new technology. The World Wide The post Supplement your passive income online appeared first on .

PITR @ Passive Income To Retire writes How Cash Flow Investments Change Your Life – Find out how dividend investing or cash flow investments can change your life in more ways than the income itself.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes SHOULD I INVEST IN COMMODITIES? – Learn commodities investing. Commodity and investment returns are volatile. Commodities are risky investments.

Maria @ The Money Principle writes The Freelancer’s Guide to Budgeting – When it comes to budgeting we all need help; freelancers need a serious guide to budgeting. This articles offers useful tips for budgeting when you are working freelance.

TRL @ The Retired Landlord writes Down Payment – The Perfect Amount to Invest – Investing the right amount in your down payment on your rental property is important for your success as a real estate investor.

Buck Inspire @ Buck Inspire writes Two Year Blog Review By Looper Buck Inspire – This is what happens when a blog turns two and learn if you can leap from your 9 to 5 job to working for yourself!

SBB @ Simple Budget Blog writes Keep Your Budget Simple – Don’t make things too complicated when budgeting. Find out how you can keep your budget simple.

Luke @ Learn Bonds writes Are municipalities gambling with taxpayer money or being smart? – Municipalities bought around $500 billion of interest rate swaps prior to the beginning of the financial crisis. Now some of those trades have gone bad.

Wayne @ Young Family Finance writes Is gaming online worth it? – With the cost of living continually on the increase it’s always a tough decision to decide how to part with your money and what to spend on entertainment.

Kyle @ The Penny Hoarder writes The 5 Weirdest Things We’ve Sold for Cash – Over the past few years my family has made close to $7000 by selling unwanted stuff from our closets. My husband is a musician, and musicians have a lot of crap…er, gear, so that helped with our earnings.

Mike @ Personal Finance Journey writes Debt Management Company – Can they help? – Can a debt management Company help you claw you way out of a debt crisis? What do these Companies offer us when in trouble?

Mr. Money @ Smart on Money writes Keeping Sight of Your Retirement Goals – If you want to reach your goal of a successful retirement, you need to remember the long-term, and spend some time focusing on the big picture things.

Infinite Banker @ Becoming Your Own Bank writes How to Get the Highest Rate of Return in Your Qualified Plan – Learn how you can get the highest rate of return out of your qualified plan.

Jason @ Work Save Live writes Go Green! Save Money! – Over the last several years, everything in the store seems to be “going green”. I see it on packaging and see it on advertising – it’s on just about everything and down every aisle. However, one of the biggest drawbacks about going green also meant shelling out more cash.

Jessica @ Budget for Health writes Time for Another Budget Update – Every few months or so I notice trends in our budget and I make changes to keep up with it. The Dave Ramsey spreadsheet worked when we were paying off student loans, but I needed to make some changes because organizing every dollar gets tedious.

Joe @ Midlife Finance writes Lending Money: Yes Or No? – Should you lend money or not? It’s hard to say no to friends and family members who need financial help. If you decide to do it, here are some tips.

Steve @ Ready To Quit My Job! writes Quitting Without Retiring: Keep Your Name Prominent – Quitting doesn’t have to mean retirement. Keep in touch and don’t fade into obscurity.

Lazy Man @ Lazy Man and Money writes Stop It: Exaggerating Compound Interest Claims – Compound interest is powerful enough without having to pitch the most extreme case and ignore the realities of inflation. Personal finance writers exaggerating the effect of compound interest… Stop it!

Cash Flow Mantra @ Cash Flow Mantra writes Why Am I Not Rich? — A Study in Contrasts – I am sitting in a public cafeteria catching up on some email and other stuff after getting back from Honduras and couldn’t help over hearing a young lady that was sitting 2 tables away. Though she didn’t ask me, I have a few answers to her question, “Why am I not rich?”

Penny Thots @ Penny Thots writes Manage Your Debts to Avoid Disaster – Trying to avoid debt completely in the modern economy is unrealistic. Taking on more debt than you can afford is a recipe for financial disaster. Debt repayments should be less than 30% of your total income.

Beating Broke @ Beating Broke writes 3 Ways Young Homeowners Can Save $3745 (at least) Each Year – If you recently bought your first home let me congratulate you. This is possibly the very best time to buy real estate that you’ll ever see in your lifetime. You made a smart move. And because you are a smart real estate investor, I know you’ll be interested in taking advantage of the following 3 ways young homeowners can save even more “moolah”.

Roger Wohlner @ The Chicago Financial Planner writes Should You Buy Financial Services From Tommy Lee Jones? – Choosing the right financial advisor for you and your family is critical. You want to do your best to find someone who is competent, whose compensation method is made clear and is transparent, and who you feel that you can trust. Don’t be afraid to ask direct pointed questions and don’t settle for half-answers.

Amanda L Grossman @ Frugal Confessions writes 7 Ways I am Working Smarter – When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).

Michelle @ The Shop My Closet Project writes River Loses It or a Firefly money moment – River from Serenity give financial advice drama style, or at least this is how it would play out.

Mandy @ Money Master Mom writes 6 tricks to make you BUY BUY BUY – 6 little known tricks that Marketers use all the time to trick you into parting with your cash

TDB @ Tax Deduction Blog writes What Can You Do If You Cannot Pay Your Tax Bill – It can be distressing when you are done with your tax return and then get to know that you do not have sufficient money to pay the additional taxes that you owe to the IRS. There is no need to dread about it and the recognition that you are unable to pay your taxes on…

TTMK @ Tie the Money Knot writes Reader Story: Should She Pay Him Back? – Dating and money can be simple, or in some cases it can get contentious. This reader story begs the question: should she actually pay the guy back?

Corey @ 20s Finances writes 6 Expensive Things Every Homeowner Should Prepare For – Buying a home has a lot of hidden costs. Make sure to prepare for all of these unexpected costs.

PPlan @ Provident Plan writes Saving Money in Colder Weather – Temperatures are changing fast and that could mean a huge effect on your finances. Find out how to keep your heating bills low.

harry campbell @ Your Personal Finance Pro writes Annual Enrollment Time: How Much Can a HSA Save You? – Ok it’s annual enrollment time again for those of us in traditional workplaces and I’m here to tell you exactly how much a HSA can benefit you. Most large companies are starting to offer HSA’s to their employees for one main reason: it saves them a ton of money. Although employees generally pay a premium per paycheck for their healthcare, there is also a larger portion paid by your employer. To find out the exact portion, you’ll need to review your total compensation packet that shoul

Ashley @ Money Talks Coaching writes It’s not about what you earn… it’s about what you keep! – When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).

Jeff Rose @ Good Financial Cents writes Parents: Avoid the #1 Mistake When Saving For Your Kids College – Every parent wants to provide for their children; to give them a better life than they had. This often carries over into helping them pay for college.

Jeff @ Life Insurance by Jeff writes Difference Between Term and Whole Life Insurance – Here are some things about term life vs. whole life that you should consider before making a final selection.

Miss T. @ Prairie Eco Thrifter writes The Spending Mentality – Our spending plan works because we prioritize. We want to save enough for retirement. We want an emergency fund. The mortgage needs to be paid. We want to help others through charity and our tithes. All of this is taken care of first. They are our first priorities.

Jason @ Live Real Now writes Changing Our Situation – For the first time in my life, I’m not living paycheck-to-paycheck. Having a couple of pay periods act wonky isn’t going to hurt. Yes, we are going to cut back, but we can manage for a few months without worry. We aren’t going to sweat over putting food on the table. That is an incredible feeling.

Jessica @ Mo’ Money Mo’ Houses writes What Do Our Spending Choices Say About Our Values? – I love my $5 lattes but I have a hard time paying $1 for a song on iTunes. I know I’m not the only one, so what does this say about our values as a society?

Ken Faulkenberry @ Arbor Investment Planner writes Preservation of Capital and Asset Allocation Investing – Preservation of capital should be the highest priority goal of asset allocation investing. Of course you must take risk, but here is how to optimize asset allocation.

Marie at Family Money Values @ Family Money Values writes Clutter Clutter Everywhere – he average house size in the 1950′s (according to The Swelling McMansion Backlash on msn.com) was 983 square feet. I lived in one of those with my brother and parents. It had 784 square feet. We had plenty of room. Today, I live in 2300 square feet with my spouse and we have almost every nook and cranny filled with our stuff. Why do we collect so much stuff?

J.P. @ Novel Investor writes What Is The Wash Sale Rule? – Many investors have a goal to lower their tax bill at the end of the year. Right or wrong, this strategy can fail if they don’t know the wash sale rule.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Financial Habits to Increase Your Financial Security – By changing our wasteful spending habits and adopting some habits that help us control our expenses, we can increase our financial security and hold onto more of our wealth. This post illustrates some of the best financial habits to adopt for a secure financial future.

My Own Advisor @ My Own Advisor writes October 2012 Dividend Income Update – Find out where I’m at on my quest to earn $30,000 per year in tax-efficient and tax-free dividend income.

Paul Vachon @ The Frugal Toad writes 4 Ways to Cut Costs Not Nutrition at the Grocery Store – It seems as though foods in the grocery store are getting more and more expensive, which makes all those processed and cheap foods look even more appealing. Although processed foods may seem like a better choice than breaking the bank, there are a few things you can do to cut your bill while still avoiding those high sodium, sugar filled, high calorie foods.

Bryan @ Gajizmo.com writes American Politics, The Fiscal Cliff, QE3 & The Gold Market – Do you know how the “fiscal cliff”, “QE3″, the dollar, and Eurozone crisis might be affecting the equities and commodities markets? Learn about the uncertainty ahead in 2013, as well as safe investment options like gold bullion and silver as hedges against the inflationary effects of the Federal Reserve’s liquidity plan, market volatility and a potential recession.

Robert @ The College Investor writes College Budgeting Tips – If you’re in college, right now is the probably the most difficult time of the year for your budget. But with a few short weeks left in the semester, now is the most important time for a college student to budget. Here are some simple college budgeting tips to help you make it through to winter break!

Robert @ My Multiple Income writes How To Go To College For Cheap – Have you thought about going back to school? Going to college and getting your undergraduate degrees, MBA, etc. might be a good idea. After you have decided whether or not going back to school is a good choice for you, it is time to get a reality check and think about all of the major costs that are included. Even with these high costs, schools are finding deficits and are needing to raise their rates (with some school raising their rates 10% per year), and therefore schooling costs just keep o

Glen @ Credit Card Smarts writes Discover Open Road Credit Card Review – The Discover Open Road Card offers up additional cashback rewards for those who travel by card often as well as other benefits. See more in our review.

Philip @ PT Money Personal Finance writes Finally Rented: Creating and Signing a Residential Lease Agreement – What do you need to include in the lease agreement to protect yourself if you’re renting out a residential property to a tenant? Here’s what I did…

Jefferson @ See Debt Run writes You Can Save Money On Your Car Insurance By NOT Switching Companies – Discount insurance companies claim they can save you money, but perhaps only if you switch to an inferior plan. Sticking with your current company may be your best option.

Steven @ Grocery Alerts writes Making the Most of the Holidays on a Tight Budget – While every family, budget, and situation is different, I wanted to spend some time today to discuss some frugal gift ideas. Presents that you may be able to give regardless of how little you can allocate towards buying gifts.

Malt @ Bryan – The Insurance Expert writes How To Save With Cheap Car Insurance Quotes And Get The Best Policy Coverage – Ever wonder why you have to give up the coverage you want to get the lower premiums you desire? We focus on the factors that affect your car insurance costs, give advice on types of discount you can apply for, and insight on the average premiums for your state by type of coverage. If your rates aren’t close to the state average, it may be time for you to shop around for auto insurance.

Emily @ Evolving Personal Finance writes Adding Credit Cards – How Many Is Too Many? – I list the pros and cons of adding an additional credit card to your working group. What do you consider when signing up for a new card?

Hope you enjoyed the great articles in this weeks carnival version!

Thanks to all the contributors and the great reads above!

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