Smart Reasons to Save, Use and Invest Money

TotallyMoney Carnival – Money Reasons Edition

Welcome to the Totally Money Carnival!

This week, I’m presenting arguably the best bloggers in the personal finance community!


Carnival Swing



Peter @ Bible Money Matters writes “Tax Hikes, Increased Costs and Tax Breaks We’ll See Due to Health Care Reform” – While more people will be covered by The Affordable Care Act, it does come with it’s costs – with the biggest one being an increased tax bill for many people. While it may be a while before this plan and it’s taxes actually take effect, it’s a good idea to know what you’re in for in the coming years. (It should be noted that the law also has tax breaks to help both individuals and small businesses pay for insurance.)

Jeff Rose @ Good Financial Cents writes25 Easy Ways To Make Money” – There was time when I was young and flat broke. I was working, making decent money, but I was spending it just as fast – in fact, faster! I was constantly searching the classifieds looking for ways to make money fast.

Daniel @ Sweating the Big Stuff writes “The First Three Things You Need To Do If You Lose Your Job” – Millions of Americans are out of work. Take these tips to find out what you should do if you suddenly lose your job.

Melissa @ Bargaineering writes “12 Surprising Uses for Witch Hazel” – You may not have heard of witch hazel before, but it is a frugal little astringent that has many uses. Early American settlers learned to use it from Native Americans, and today, though we don’t often think of witch hazel as a cure for what ails us, it has some beneficial uses.

Amanda L Grossman @ Frugal Confessions writesIdeas to Save Money on Video Game Addictions – There are four video games I’ve enjoyed in my lifetime: Mario Brothers, Tetris, Sim City, and The Sims.  Read how I would save money on buying games today!


And now for the rest (which practically all were great pieces too!)…


Sarah G @ Life [Comma] Etc writes A Pie in the Life: Shenan the Project Coordinater – Each week I interview someone in an interesting career about their job and include their budget pie chart. This week it’s Shenan the Project Coordinator with an interesting spin: she doesn’t really budget!

Everything Finance @ Everything Finance Blog writes Budgeting in Today’s Economy – When budgeting in today’s economy, you should accept that you cannot have everything. You probably will find it difficult to buy and maintain a large house, nice car and exciting yearly vacation while saving for your own retirement and your children’s college funds. But just because you can’t have it all doesn’t mean you can’t have a comfortable life and a comfortable financial position.

Jon the Saver @ Free Money Wisdom writes How to Survive a Layoff – Surviving a layoff is no small feat. It takes patience and a long term goal horizon. One needs to always be checking for new jobs and opportunities.

Young @ Young And Thrifty writes Government Job vs Entrepreneurship – The Battle for My Soul – Do I stick with the government job and all of the guaranteed benefits or do I branch out on my own and have complete control over what I can and can’t do?

Daniel @ Sweating the Big Stuff writes The First Three Things You Need To Do If You Lose Your Job – Millions of Americans are out of work. Take these tips to find out what you should do if you suddenly lose your job.

Sustainable PF @ Sustainable Personal Finance writes The Dollars and Cents of Your Bathroom – Employ a green approach to your bathroom and see respectable savings.

John @ Married (with Debt) writes A 3 Step Way to Guilt-Free Vacation Spending – When you work hard and save up, you deserve guilt-free spending on your vacation. Learn how to fight back against vacation haters.

PPlan @ Provident Plan writes 3 Basic Steps for a Small Business – Starting a small business may sound like a great idea.

Teacher Man @ My University Money writes Why Do We Assume We Are Smarter Than The Other Guy? – How we can be so arrogant as to think that we stand a good chance of beating the market over an extended time frame. “The market” is the average rise and/or fall of the market you are trading within and there is a reason why it is the numerical average!

Luke @ Learn Bonds writes World Bond Funds: Do You Know the Risks? – Thinking about investing in a World Bond Fund? There are several risks unique to world bond funds that should be addressed before investing.

Tyler @ Poor Student writes Shorten Your Life With Debt – I recently wrote about how I am working at getting rid of days I have to work by investing to receive dividends. But I got to thinking again about a different way to think about things.

Penny Thots @ Penny Thots writes Making the State Farmer’s Market Count – Being an individual or a couple often makes it a challenge to really make the most of the bulk deals that you’ll receive at the state farmer’s market. Hopefully, with these suggestions, you’ll be able to capitalize upon your state farmer’s market opportunities more readily.

Jeremy @ Modest Money writes Why You Shouldn’t Buy Cheap Pet Food – If you’re a pet owner, you should be aware that you could be taking a huge risk by feeding your pet cheap cat food. You could end up facing big health problems down the road.

Miss T. @ Prairie Eco Thrifter writes From Trash to Treasure – Earning from trash through recycling is a great way to earn some extra cash and help save the environment at the same time. Selling recycled items may not seem profitable at first glance, but it will eventually help ease some of your financial burdens.

Echo @ Boomer & Echo writes Can You Live On $1065 A Month? – Wayne lives on $1065 a month income, but his expenses are $1500 a month. His $125,000 nest egg will have to top up his income and last him for years.

L Bee @ L Bee and the Money Tree writes 10 things under $10 that make me smile…. – I am in a bad mood of epic proportions today. EPIC. So I’d been thinking of doing this post for awhile, and what better time than now to recap cheap (often free) things that put a smile on my face? In no particular order: 1) Iced Tea- 2.99 per gallon.

Melissa @ Bargaineering writes 12 Surprising Uses for Witch Hazel – You may not have heard of witch hazel before, but it is a frugal little astringent that has many uses. Early American settlers learned to use it from Native Americans, and today, though we don’t often think of witch hazel as a cure for what ails us, it has some beneficial uses.

Paul Vachon @ The Frugal Toad writes Save Money by Using Home Appliances Efficiently – Today, the current financial situation may require a much more stringent management of your household expenses. Domestic appliances account for a large portion of your home’s energy usage. There are, however, a few things you can do to trim the budget.

Eddie @ Finance Fox writes How Do You Become Rich? – The key characteristic between the rich and rest of us is their ability to take chances. Without risk the rewards are minimal.

Evan @ My Journey to Millions writes July 2012 Net Worth Update – From June 2012 to July 2012 my net worth increased 4.12% Year to Date my net worth has increased 26.78% From January 2011 to July 2012 my net worth has increased 119.05%

Wayne @ Young Family Finance writes Best Approach to Retirement Planning – Find out how your approach to retirement planning can affect your entire life.

Lazy Man @ Lazy Man and Money writes Spending a Million in a Weekend. . .or When Crazy Calls You Crazy – I can’t imagine what “Pacman” Jones’ life was like. He estimated that 90 percent of his childhood friends in Atlanta are now either dead or in jail. I wish I could have connected with him and said, “Hey, here’s a chance to use that money to save some of those friends.” I’m betting that a few people tried to tell him that along the way, but he might not have listened.

JP @ My Family Finances writes College degrees Make the Rich, Poor and the Poor, Rich – A college degree may be risky, but it is also a critical element to income mobility.

Passive Income Earner @ The Passive Income Earner writes Family Finance: Property and Vehicle Insurance – What is Family Finance you may ask? It’s a new set of topics for family finances that I will be presenting over time regarding the many financial decisions a family must agree on. Agreeing on spending is one of the behaviors that can enable a family to reach financial success and build wealth.

PITR @ Passive Income To Retire writes Key Traits of Passive Businesses – Find out what makes businesses with passive income so successful.

BARBARA FRIEDBERG @ Barbara Friedberg Personal Finance writes 3 SUMMER WEALTH BUILDING TIPS – 3 Tips to build wealth and health.

SB @ One Cent at a Time writes 20 Best Practices for Retirement Saving – 60% of Americans are either not saving for retirement, or saving too little. If you’e one of them, start acting now, here’s the 20 nest practices for retirement saving.

A Blinkin @ Funancials writes Tips To Boost Home Office Productivity – It’s always been a dream of mine to be my own boss and/or work from home, but working from home can be both a blessing and a curse.

YFS @ Your Finances Simplified writes Home Buying Tips That People Never Tell You! – I would like to talk about home ownership, in particular, mortgages. Now everyone tells you that home ownership is better than renting. Some people would say renting is better than home ownership. I don’t really care what you do-I just want you to do what’s best for you and your finances.

SFB @ Simple Finance Blog writes Could You Survive In A One-Car Household? – Changes to my husband’s job could make it more feasible than ever to become a one-car household. But does it really make sense to sell our second car?

Robert @ My Multiple Incomes writes How I Successfully Appealed My Home Appraisal – A few weeks ago I wrote about how my home appraisal was wrong, and how I had to appeal it. Let’s just say that sounds a whole lot easier than it actually was. So here is what I did to get my home appraisal fixed.

Jester @ The Ultimate Juggle writes Frugal Bike Challenge For Me and My Son – Frugal biking challenge for father and son on the weekends.

Crystal @ Budgeting in the Fun Stuff writes Build a Home Series: Frame, Plumbing, and the First Inspection…Supposedly – The frame for our slab is finally down, the plumbing has been added, and we just had our first inspection. Our house is finally starting to be built!

Ashley @ Money Talks Coaching writes Saving for Retirement is Like Going on a Road Trip – What if I woke up one Tuesday morning and decided to take my kids to Disneyland that day? Now, I live in Phoenix.

SB @ Finance Product Review writes Chaikin Portfolio Health Check Review – A review of the newest tool from Chaikin suit of trading tools, the Chaikin portfolio health checker, a fee based stock recommendation service.

Greg Field @ NerdWallet writes When Should You Buy Insurance? – An interview with Professor Ben Ho of Vassar College about insurance on consumer goods. Very interesting article on the gambles of insurance. Enjoy

Daisy @ Add Vodka writes Celebrity Tax Avoidance – One of the most infuriating things about saving, particularly if your frugality has been inspired by the current economic climate, is knowing that there are extraordinarily wealthy people out there not paying their dues when it comes to tax.

Mike @ Rewards Cards USA writes Do You Have To Pay Taxes On Your Credit Card Rewards? – In most cases, credit card rewards probably aren’t taxable. First of all, few of us earn enough rewards for them to be valuable enough to be reported on a 1099 form. But there is also a difference in how various credit card rewards are viewed:

Tushar @ Start Investing Money writes Logical Tricks to Find More Money to Save and Invest – Logical Tricks to Find More Money to Save and Invest on Start Investing Money. See if you benefit from these logical tricks

Kyle @ The Penny Hoarder writes Win $1,000 in our “Hello Summer” Giveaway! (6/20-7/20) – And here we are again to give you a chance to win BIG BUCKS!!! The Penny Hoarder, Happy Home and Family, Diva Fabulosa and a group of amazing bloggers have

Suba @ Broke Professionals writes Professional Profiles: Angela, the Stay At Home Mom – Stay at home mom no more: after four years as a full-time caregiver to her two daughters, this mom is returning to work and hoping to avoid career suicide.

Hank @ Money Q&A writes 20 Things I Should Have Known About My Finances At The Age Of 20 – I can’t really remember what got me thinking about this list of what I should have known better about my finances in my 20s. Maybe it was Corey’s list of 16 Ways To Improve Your Finances that make me think. Heaven knows that I have made a few financial mistakes along the way.

Jen @ Master the Art of Saving writes Earn Money Online: Swagbucks – Swagbucks is my favorite way to earn money online, I’ve earn hundreds of dollars from them so far and couldn’t imagine life without it. Different ways to earn..

Jason @ Work Save Live writes An Envious Life – Money & Success Isn’t Always What It Seems – Money and success isn’t always what it seems, read more to find out what I mean.

Shawanda @ You Have More Than You Think writes How to Make Razor Blades Last Longer {Video} – A free and easy trick to make your razor blades last longer. No oil, vinegar or any of that other nonsense is necessary.

Kevin @ Thousandaire writes Finances are Just One Piece of the Puzzle – You can be responsible financially, but if you don’t take precautions to address disasters then you might not live to enjoy all your money

Corey @ Steadfast Finances writes 3 Ways to Teach Your Kids Financial Responsibility – Find out three simple steps to teach your kids financial responsibility.

Invest It Wisely @ Invest It Wisely writes Freelancing Revenue Report: My First Three Months in the Trenches – I’m now in my fifth month of entrepreneurship, and things are going well so far. I’m really happy with some areas, and not too happy with some other areas.

Roger the Amateur Financier @ The Amateur Financier writes Job Hunting Success – Alternative Job Finding Techniques – Check out these alternative job finding techniques for job hunting success

Corey @ 20s Finances writes Financial Influence of Government on Young Adults – I am continually reminded of the many ways that governmental policy affects our finances. While we are encouraged to challenge and question the laws put into place, we are often forced to accept certain regulations that have a direct influence on our lives.

Aloysa @ My Broken Coin writes Choose ImpulseSave Instead of Impulse Spending – It is funny how sometimes something so mundane and boring like saving money can suddenly become fun, creative and even change one’s perspective on spending. No, I am not a reborn saver. I am still an impulsive spender, but something has changed me. Just a little bit.

Maria @ The Money Principle writes Money lessons from unexpected sources: the importance of time – Two money lessons we can take from teenage vampire fiction: money is necessary but not sufficient and getting rich is easy for immortals.

Jeff Rose @ Good Financial Cents writes 30 Year Term Life Insurance Rates – In this day and age when you buy something, it always comes with an extended warranty. It usually costs extra but the intent is to give you peace of mind for the lifetime of that product. Unfortunately, many of these extended warranties only last maybe another three, four, or five years. What if you could buy a product that offered a 30-year guarantee?

Ted Jenkin @ Your Smart Money Moves writes The Tax Bomb Is Coming – It would be hard for me not to make some comment on the 5-4 decision last week in the Supreme Court upholding Obamacare.

krantcents @ KrantCents writes The 3 V’s of Success – The 3 V’s of Success is the twenty-second in a series of articles to help you reach your goal

MR @ Money Reasons writes Reasons for a Non-working Allowance for Kids – This is the reasons for a non-working allowance plan for kids, and my kid’s history with such an implementation of a non-working allowance.

Don @ MoneySmartGuides writes Government Wants You on Food Stamps – A recent story by CNN describes how the US Department of Agriculture is running radio ads encouraging people to sing up for food stamps.

krantcents @ KrantCents writes The 3 V’s of Success – The 3 V’s of Success is the twenty-second in a series of articles to help you reach your goal.

Marie at FamilyMoneyValues @ Family Money Values writes Logo Design – Why is a logo important? Can you define which components convey your company meaning?


Thanks for checking out the TotallyMoney Carnival!  I hope you enjoyed this weeks rotation!  Next week’s carnival will be hosted at Nerd Wallet.



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