Stop hiding from your debts


John S @ Frugal Rules writes 10 Ways to Stretch Your Grocery Budget – Many can struggle with keeping their grocery spending in check. With a few minor changes and some planning you can stretch your grocery budget and still have high quality meals.

Robert @ The College Investor writes Preparing for Financial Emergencies and Unexpected Expenses – Here are some things to think about and plan for so that you’re ready for when the unexpected actually happens.

Aloysa @ My Broken Coin writes Sleep on the Pavement, Piss in a Bottle – I am not going to talk about camping equipment. Or tents. Or camping trailers. I want to discuss people who camp out in front of businesses.

Lance @ Money Life and More writes Prepare Your Finances for Next Year – Know Your Net Worth – Now that the year is coming to a close and a new year is about to begin I always want to know how I’ve progressed over the last year and how much I’d like to progress over the next year. Financially, I use my net worth to measure how I’ve been doing.

Super Saver @ My Wealth Builder writes Pay Attention to Arithmetic – Good budgeting is as simple as doing arithmetic.

Deacon @ Well Kept Wallet writes Thirty Things I Learned Before 30 – Tomorrow I turn 30 and as I reflect back, I realize that there is so much that I have learned. If I would have known what I know now when I was 20, I probably would have made drastically different choices. But I will say, everything that I have done has lead me to where I am today. For that reason, I wouldn’t change how I got here. That being said, here are thirty things I learned before 30.

John @ Card Hub Blog writes Justin Bieber Prepaid Card Evaluation – A relationship between Justin Bieber and BillMyParents seems like just another case of a celebrity trying to pull a fast one and endorse a financial product not because it’s the best on the market, but rather because the endorsement deal provides the best financial terms for them. How does this product measure up?



krantcents @ KrantCents writes Is College Worth It? – Is college worth it? This is the time of year when high school seniors are applying to college. A lot of families are thinking about this question, whether you have a high school senior who wants to go to college or your child graduated recently.

Michelle @ The Shop My Closet Project writes Essence Magazine Bad Financial Advice or No? – I read the following article (The Credit Doctor Is In). I don’t claim to be a professional financial advisor but this article really pissed me off. Basically, the article started off really well. Discussing the concept of good credit and taking steps to clean up any credit issues that you may currently be dealing with. Then, it ended on a really sour note for me.


Managing risk is far more important than managing for returns


Carrie @ PT Money Personal Finance writes 6 Steps to Help Stop the Cycle of Debt – Carrie Smith shares 6 things she learned after coming to terms with the fact that she was $150,000 in debt and only 23 years old.

Luke @ Learn Bonds writes How to Get a Better Return on Your Peer to Peer Loans – Most investors provided that they are diversified among at least 40 loans can expect a return in the 5 to 9 percent range. However can you do better than the average investor?

Ted Jenkin @ Your Smart Money Moves writes How To Pick A Credit Card – We often pull out our credit cards during this holiday season much like a Ninja warrior would unleash their Samurai sword from its sheath.



FMF @ Free Money Finance writes Real Estate 101: Taxes – Many people cite the tax advantages of real estate investing as one of the primary benefits. The tax advantages are real and they are certainly a benefit but I think many people give them more weight than they are worth.

Wealth Effect Blogger @ writes Bacon Wrapped Hot Dogs and Enticing Yields – When you’re hungry the smell of bacon wrapped hot dogs cooking on the grill is almost irresistible just as the allure of enticing yields is enticing to those hungry for income.

Little House @ Little House in the Valley writes First Time Home Buyer Tips – I’m beginning to realize that I might be purchasing my first house without the golden standard of 20% down. For personal finance gurus who are guffawing and shaking their heads, the truth is I live in an expensive area and 20% down on homes in my area is more than most people make in a year.

Div Guy @ The Dividend Guy Blog writes Emera EMA Dividend Stock Analysis – Should you invest money into this stock?

Kyle @ The Penny Hoarder writes Have Stocks Become Old Fashioned? – I was reading an article the other day about how less and less companies are now offering share certificates to their stockholders. In fact, it is not even required that companies issue stock certificates anymore, and over 400 do not offer them at all. It makes me really wonder if stocks are just becoming old fashioned

Amanda L Grossman @ Frugal Confessions writes Monetizing the End of the World: Do You Buy It? – There have been many end-of-world predictions over the course of history sourced from both religious and non-religious beliefs.

Daisy @ Add Vodka writes I Have BIG News – I have a little secret. It’s actually a big secret. A secret that only a handful of people know. And one that I may get a lot of flack for upon disclosure. But it’s too juicy to keep it in.

Jennifer Lynn @ Broke-Ass Mommy writes Words of Caution: Things I Am Not. – Read the Things I Am Not To A Very Important Person.

Sustainable PF @ Sustainable Personal Finance writes What are Penny Auctions? Should You Participate in Them? – Chances are that you have seen ads around the Internet: Big Screen HD TV for $15! These ads usually point to penny auctions.

IMB @ Investing Money writes Carnival of Retirement – Welcome to another edition of the Carnival of Retirement. Thanks to all of you who participated. Without further ado, here are the submissions for this week. I did my best to include everyone, but eliminated some of those who tried to submit twice.

Eddie @ Finance Fox writes Why Are Americans Clueless About Canada? – I know you’re thinking that I’m being a little radical with today’s post by asking the question in the title – Why are Americans clueless about Canada?

Tushar @ Start Investing Money writes How Did the Commodities Market Begin? – If you are considering making an investment in the commodities market it makes sense to find out as much as you can about it first. This can lead you to make a better investment than you would otherwise.

Jester @ The Ultimate Juggle writes Extra Christmas Tipping – I tip this one super waitress over 60 percent during Christmas. But she totally deserves it, ready why!

Daniel @ Sweating the Big Stuff writes Would You Take Less Money to Get a Faster Rebate? – I was recently give the choice of taking less money in return for getting my rebate faster. Guess which options I took!

Jason @ Work Save Live writes How Do You View Your Money? – One of the best things you can do for yourself, financially, is figure out how you view money. It’s important to understand your relationship with money, and acknowledge what you want your money to do for you.

Passive Income Earner @ The Passive Income Earner writes Should You Refinance – Opting to refinance is a big decision to make. Consumers may end up either saving a lot of money or getting all the hassles and spending more. It is important that they weigh all their options carefully before refinancing. Most importantly, they should know if it makes sense for them.

Crystal @ Budgeting in the Fun Stuff writes Accepting Instability – Life itself is unstable. I can follow my own advice to grow, but I can only control my own reaction to things. Breakdown realizations…



Gajizmo @ writes Best Home Insurance Coverage, Companies, Quotes and Rates – Finding the best insurance coverage is easy when you are willing to spend any amount finding it. Trying to find the best home insurance coverage and company with the lowest rates, is a different question. Learn how to do it!

Odysseas @ Wallet Blog writes How Can a U.S.-Made Prescription Drug Cost Hundreds More Domestically Than Abroad? – So, to sum things up, a myriad of factors enables the drug distribution industry to set outrageously high prices for their products, and while insurance makes them relatively affordable for a lot of people, those who don’t have insurance are left shelling out absurd amounts.



Mike @ The Financial Blogger writes What to Do With Extra Space in Your Home – Do you have some extra space?



TDB @ Tax Deduction Blog writes Can’t Pay Your Tax Bill?-5 Options for Relief – Have a bill tax bill but don’t have money to pay the tax? Here are 5 options you can consider to get you out of IRS wrath.

Michael Kitces @ Nerd’s Eye View writes IRS Issues Guidance For New 3.8% Medicare Tax On Net Investment Income – Just in the nick of time, the IRS and Treasury have issued rules updates and clarifications on the new Medicare taxes scheduled to begin in 2013… with a whopping 100+ pages of new guidance!

MR @ Money Reasons writes Mutual Funds Versus Stocks – Why I Choose Stocks – This is my take of mutual funds versus stocks and why for me owning stocks has been more financially rewarding.

Super Saver @ My Wealth Builder writes Inheritance – The Final Act of Financial Planning – While acting as executor for my parents’ estate, I realized that their transferring of the assets represented their final act of personal finance, even though many of the decisions were made years before.

Roger Wohlner @ The Chicago Financial Planner writes Do I Need Life Insurance in Retirement? – My fellow Baby Boomers and I have been told that life insurance is generally not needed once we retire. The thought was that we would have accumulated sufficient assets and our dependents are grown and self-sufficient. This is great in theory, but may not hold true in practice. Here are a few thoughts as to why you might need life insurance as you approach retirement.

About Karl

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8 Responses to Final Carnival of Financial Planning for 2012

  1. krantcents says:

    Thanks for inclusion and hosting, I really appreciate it.

  2. Thanks for including my article and for hosting – Happy New Year!

  3. […] Carnival of Financial Planning included my post Prepare Your Finances for Next Year – Know Your Net Worth. […]

  4. Thanks for hosting and for including my post.

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