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Personal Financial Management Articles from Personal Finance Blogs

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Best Personal Financial Planning and Personal Investment Articles this Week from Personal Finance Blogs

Carnival of Financial Planning – Financial Management Edition #223 – February 10, 2012

Welcome to the February 10, 2012 Financial Management Edition #223 of the Carnival of Financial Planning.

The Carnival of Financial Planning takes a long-term view of personal financial planning for individuals and families. We focus on efficient and sustainable personal financial planning practices that can lead to lifetime financial security.

This edition is arranged by subject heading, so that you can browse efficiently.


The Skilled Investor, Editor

Budgeting and Economics

Glen presents 5 Kids Expenses to Budget For – Apart from College posted at Parenting Family Money, saying, “There are other expenses for kids-not on the magnitude of college-that are also worthy of budgets all their own. Make sure you budget for these kids expenses!”

Young presents Transitioning from the Starving Student Budget to a Real Budget posted at YoungAndThrifty, saying, “So your big day has come and gone, you wore the cap and gown, stood line for hours while 1000 other people had their 10 seconds in the spotlight, and now you finally have your big university/college degree/diploma. Welcome to the world of bills and expenses.”

Jeremy Biberdorf presents Starbucks Coffee Prices Brewing A Hole In Your Wallet posted at Modest Money, saying, “Most coffee drinkers are sure to know that their daily habit adds up to a lot of money. What they might not realize is how that habit may be affecting their other financial decisions.”

Financial Planning

J.P. presents Two Guaranteed Ways To Improve Your Finances posted at Novel Investor, saying, “No matter how you dress it up, rewrap it, spin it, discuss it on a per item or action basis, improving your finances only comes down to two things.”

MMD presents Which Is Better – Paying Down Your Auto Loan or Mortgage? posted at MyMoneyDesign, saying, “Explore whether it is better to pay down your auto loan or pay down mortgage. Download my free Excel worksheet to try it out yourself!”

Evan presents February 2012 Net Worth Update posted at My Journey to Millions, saying, “From January 2011 to February 2012 my net worth has increased 85.97%”

Financing a Home

Matt presents Keeping a Mortgage for Greater Investment Gain posted at RamblingFever Money, saying, “The 15 vs 30 year mortgage debate. I ran some numbers and was shocked to find out that it might actually make mathematical sense to stick with the 30-year. Is this the best choice though as it pertains to your “personal” finances?”

Financing Education

Colin Williams presents Financial Comparison Websites – Who Uses Them And Why posted at humble savers, saying, “Q & A with one of Australia’s leading Financial Comparison websites to discover who typically uses their website and why. We also investigate how financial comparison websites have changed the marketing of product providers to be more transparent.”

Pat Huddleston presents A Course at College, But Not a College Course posted at Investor’s Watchblog, saying, “If retirement planning courses at local colleges are the next iteration of free lunch seminars, I wonder what will keep these courses any cleaner than their predecessors. Get advice from someone who has no financial interest in managing your money before you venture into the world where everyone wants a piece.”

Financing Healthcare

John presents How Are You Handling Increases in Your Medical Premiums and Deductibles? posted at Passive Family Income, saying, “Do you have an employer sponsored medical plan? Have you noticed drastic increases in your medical premiums and deductibles over the past decade? I know that my family has certainly been impacted by these increases and I am sure we are not alone.”


John presents Job Loss Protection: An Emergency Plan posted at Married with Debt, saying, “If you are facing job loss or want to plan for job loss, it is a smart idea to have a Job Loss Emergency Plan. Read on for ways to protect your family and prepare for the worst.”

Kevin presents How to Quit Your Job with Grace posted at Invest It Wisely, saying, “Whether you are leaving for personal reasons, for another job, or to go independent, there are several things you need to consider before you make it official. Once you are ready, you should then leave your job with grace.”

Sean presents Discussing Salary Raises With Your Boss posted at One Smart Dollar, saying, “Timing is everything when asking for your raise. Every year employees have an annual review and this is the perfect time to ask for a raise. You have talked about the good things you have done over the past year and all the ways that you have help the company become more profitable.”


Doctor Stock presents Holding Stocks during Earnings Announcements posted at Invest in the Markets, saying, “Holding stocks during earnings announcements has inherent risks… but that’s not to say you shouldn’t do it. But if you already own the stock, or are considering it, here’s some ideas to consider.”

Pam Whitlock presents Teaching Your Kids about Money: Investing and Growing Your Money posted at The MoneyTrail Blog, saying, “Investing and growing money is an often overlooked area of financial literacy with kids. Find out ways to go beyond the standard savings account and get your child actively involved in investing and money growth.”

Green Panda presents A Personal Story of a Risk Taken posted at Green Panda Treehouse, saying, “A risk that could have gone either way.”

Marissa presents Learning to Invest posted at Thirty Six Months, saying, “Here is a great break down of researching stocks the smart way.”

Pat Huddleston presents Technology: Every Scamster’s Friend posted at Investor’s Watchblog, saying, “Forgery is centuries old and will always be with us. Technology has made creating passable forgeries easy. A criminal case out of New Jersey shows that the forger’s toolbox looks nothing like what it did even fifteen years ago.”

Mich presents Stock Updates: Aroway Energy, Hyperion Exploration, Palliser Oil and Gas posted at Beating The Index, saying, “Aroway Energy : This stock, the one that got away, has performed superbly in the past months particularly in a difficult year such as 2011 where it outperformed”

Hank presents What’s The Difference Between Index Funds and Exchange Traded Funds ETFs posted at Money Q&A, saying, “At first glance, many investors simply do not understand the difference between index funds and exchange traded funds and how they can fit into your investments.”

Jacob @ My Personal Finance Journey presents Spread Betting – How It Works and Risks Involved posted at My Personal Finance Journey, saying, “This post describes the concept of spread betting, and details the different risks involved. By understanding what spread betting is and how it works, one can decide if it’s right for one’s own financial planning strategy.”

Dan presents How to Invest in Junk Bonds posted at http://www.highyieldedge.com, saying, “Last week saw a new record of inflows into junk bonds. What gives?! Find out why investors are flocking to this asset class and how you can diversify with ETFs.”

Managing Credit and Debt

Dr. Jason Cabler presents Winning Without a Credit Score posted at Celebrating Financial Freedom, saying, “A story about my friends mom “Marge” who got turned down for a credit card because she has no credit score, and how that means she’s been winning with money for over 40 years. “

Erika presents Traveling vs. Saving posted at Newlyweds on a Budget, saying, “Is it okay to travel when you’re paying down debt and saving money?”

Eddie presents Get Your Free Credit Report – Honestly, it’s FREE! posted at Finance Fox, saying, “Small business web hosting offering additional business services such as: domain name registrations, email accounts, web services, FrontPage help, online community resources and various small business solutions.”

LaTisha presents The Five Components of a Credit Score posted at Financial Success for Young Adults, saying, “How can I improve my credit score? There are five components to credit card scoring and if you want to improve your FICO score pay attention.”

Sunil presents How to Spot the Best Rewards Credit Card Quickly and Effectively posted at The Extra Money Blog, saying, “How do you know what card to choose when you are comparing so many different credit cards? Here are five things you should consider looking for when comparing credit cards.”

Mike presents Marriott Rewards Credit Card Review posted at Rewards Cards USA, saying, “The Marriott Rewards credit card is meant specifically for those who want to earn free stays at Marriott hotels (and at Ritz-Carlton hotels).”


krantcents presents The 3 C’s of Success posted at KrantCents, saying, “The 3 C’s of Success is the third in a series of articles to help you reach your goal. What are your goals? I know you thought about it! You know, it is your dream, wish or resolution you made! Before you can get to where you want to be, you need to know where you have been!”

FG presents The Role of Money in the Financial Crisis posted at Financial God, saying, “There is an interesting post by Jeffrey Tucker on the Mises Institute of Canada about the ongoing ‘crisis of capitalism’. If one is talking about the current world economic order, then there is indeed a crisis going on, but it all depends on how you define the word ‘capitalism’.”

Mike presents Frequent Flyer Miles Programs posted at Rewards Cards USA, saying, “Frequent flyer miles programs provide you with the opportunity to earn free airfare, seat upgrades and other perks from your preferred airline.”

Aloysa presents Spending That I Can Afford posted at My Broken Coin, saying, “January was not an easy month. I felt unhinged. I felt content. I was a bitch. I was a good friend. I was rude. I was sweet. I expected a lot. I expected very little. I was happy. I was blue. I was sick. I was all over the place. All shopping bills are paid.”

Luke Bonds presents Treasury Bonds posted at Learn Bonds, saying, “All three are types of bond issued by the federal government of the United States. The name indicates the maturity date of the bond.”

A Blinkin presents Market Update: Snowboarding on the Stock Market posted at Funancials, saying, “When Burton first introduced snowboards back in the 80′s, they were forlack of a better term, runaway death machines. They did not have metaledges and were very hard to control, especially in less than idealconditions.Read how I tie this into the stock market!”

Wayne presents Financial Benefits of Not Having Kids posted at Young Family Finance, saying, “Discover some of the financial benefits of not having kids. It may surprise you to know the true costs and what you are saving by not having kids.”

Retirement Planning

Jen presents Where Did The Dough Go? #39 posted at Master the Art of Saving, saying, “Welcome to yet another weekly edition of ‘Where Did The Dough Go?’. Below you can get a completely open and honest view of what we’re spending money on, how much we’re saving, investing and putting away for retirement.”

MyMoneyDesign presents A Strategy for Maxing Out Your Retirement Savings posted at My Money Design, saying, “Learn about the strategy we used to max out our retirement plans like our 401k and IRA’s, and how we plan to keep saving above and beyond that!”


Teacher Man presents More Rewarding: Earning vs Saving posted at My University Money, saying, “Us personal finance nerds seem to have an ongoing debate raging (ok, maybe a slightly aggressive term) concerning who is cooler, the guys/gals that save more, or the guys/gals that earn more. Clearly the coolest peeps are the ones that save as much as possible and instead of wasting valuable time partaking in a fairly mundane exchange of stale views, earn more than the rest of us as well…”

Mike presents Redeem Air Miles For Gift Cards posted at Rewards Cards Canada, saying, “I prefer to redeem Air Miles for gift cards to spend on movies, gas and groceries to help supplement my monthly budget.”

Small Business Resource presents How to Save Money on Technology For Your Business posted at Small Business Resource, saying, “Fax machines, copiers, printers, computers, smartphones, tablets … it seems like every day there is some new piece of technology without which your business”


DeWitt Dudley presents The Top Five Asset Protection Strategies For The Owners Of A Closely Held Business posted at Law Offices of Givner & Kaye, saying, “The owners of a closely held business that is operated as an “S” corporation may be the targets of lawsuits that will drain their insurance policies, that may even exceed the limits of their insurance policies and that may cause them sleepless nights. What steps should these business owners take so that if something goes wrong, they will not lose all or most of the assets that they have worked so long to accumulate?”

Kyle presents The #1 Most Overlooked Tax Deduction Could Save You $1,000 posted at The Penny Hoarder, saying, “There’s free money available to people who invest in retirement accounts, but the money is often overlooked. Many low-income individuals could qualify for the Saver’s Credit. It’s a tax deduction that could put up to $1,000 in their wallets. “

Glen Craig presents What is Self-Employment Tax? posted at Free From Broke, saying, “When you own your own business, taxes can get complicated. One complication is paying your own self-employment taxes. But what is self-employment tax? Read on.”

Don presents Your 401k: How Much Are You Paying? posted at MoneySmartGuides, saying, “I’m not a huge fan of writing about taxes. Most readers aren’t big fans of reading about taxes. I can’t lie, so unfortunately this post is about taxes. Please don’t go. I promise this is very important information and it help you!”

Jessica Bird presents How CO2 Affects The Cost Of Your Car Tax posted at CarTaxBands.org, saying, “The amount of pollution that your car emits can have an affect on how much tax you pay. This article shows you how to find out what the CO2 emissions are on a car.”

That concludes this edition. Submit your blog article to the next edition of Carnival of Financial Planning using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

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