Carnival of Personal Finance #384 – Time for a Laugh Edition

Hello and welcome to this week’s Carnival of Personal Finance. If any of you have seen me host carnivals before you know that I like to add in some funny clips about personal finance for your enjoyment. Well, this time I have done it again and put together some good laughs for you to enjoy on your Monday morning.  Each clip corresponds with one of the blog posts included this week. I hope you enjoy them and the great articles they support. But first, let’s take a moment to read the Editor’s picks.

Editors Picks:

Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money.

I love this list. It is so practical. Really, we should all carry a cue card in a our wallet that we can just whip out and use anytime we have an opportunity to save money. I know I have used the “I want to cancel my service” a few times and I have ended up saving a ton.

Eric from Narrow Bridge Finance tells us what The True Cost of Something That is Free.

I totally agree with Eric here. We live in such excesses that we no longer have perspective on what is reasonable or even necessary. We take advantage of anything we can get if it is free or cheap, but do we need to? I know my eyes were opened up when we traveled to Africa this year where living in excess is a far cry from reality. People there only have what they use and need and you know what…they are happy!! They aren’t concerned about the latest deal, craze or freebie. We should take a moment to refresh our perspective.

Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt.

I am a big believer in communicating. I truly believe it is one of our keys to success. By sharing with others your situation and perspective, you can not only gain support and understanding, but you can learn something too. I know our families all talk pretty open about money issues so that we can help and support each other. This makes us closer as families which to me is the real reward.

Edward Antrobus from Edward Antrobus shares My Money Pet Peeve: Skipping Frugality Because Earning More is Better.

I totally agree. I think the two are essential to a healthy financial future. There will always be limits on salary or income potentials so finding ways to save always help. Plus, being frugal can also be green which to me is really important. If we all used less gas and walked more we would not only improve our financial picture but we will be healthier too. I mean, we want to live long enough to enjoy those retirement riches right?!

 The Best of The Rest

Kathleen from Frugal Portland shares More thoughts on buying a house.

Drew from Objective Wealth tells us How To Manage A Windfall, and says, “The last thing you’d want is for the money to slip through your fingers – something that happens all too often!”

eemusings from NZ Muse presents Hybrid cars: a week in the fast lane. “A week in the electric world gets me considering the savings to be had.”

D4L from Dividend Growth Stocks presents 10 Dividend Stocks Balancing Yield And Growth, and says, “In a perfect world, income investors would not have to choose between growth or yield, they could have both. Without the benefit of a perfect world, we are left with the middle ground which is a balancing act between growth and yield. This week week, I screened my dividend growth stocks database for companies with dividend yield between 3.5% and 5.0% and a combined yield plus dividend growth of 12% or more.”

Dividend Growth Investor from Dividend Growth Investor shares how Dividend losers focus on excuses that prevent them from achieving their goals of financial freedom. Dividend Winners on the other hand, focus on creating specific goals, and the steps to make them a reality.

Michael from Financial Ramblings tells us how to Build a Bigger Nest Egg Through ‘Investment Creep’, and says, “Turn the principles underlying lifestyle creep in your favor. Ratchet up your savings rate every time you get a raise. If you don’t see it, you won’t miss it.”

Amy from Money Mishaps shares how Online Shopping Can Save You Tons.

Dan Meyers from Your Life Their Life asks Are You a Loaner?, and says, “Most Americans are loaners, but how big of a loaner are you? Take the test to find out!”

Sean from One Smart Dollar shares 5 Ways to Save Money on Christmas Shopping

Karl Marrion from WiseStockBuyer shares The basics of dividend investing, and says, “Dividends can make a big difference to your investing over the long term. Make sure you know how to capitalize on this.”

Jason Price from One Money Design shares his Beliefs and Opinions about Money – A Financial Manifesto, and says, “Over 5000 words that describes my beliefs and opinions about money and personal finance.”

Jay from Daily Fuel Economy Tip shares How to Save on a New Car, and says, “Are you in the market for a new car? Read and learn how to save some money.”

Harry Sit from The Finance Buff asks Tax Efficiency: Relative or Absolute?, and says, “Because you have to pay taxes on interest, dividends, and realized gains, an investment that loses less of its returns to taxes is said to be more tax efficient. When you can’t fit all your investments into tax advantaged accounts, which investments should be given priority: stocks or bonds?”

Robert from My Multiple Incomes presents 5 Tips on How to Be a Better Negotiator, and says, “Not every store and place allows haggling and negotiating on their prices, but trying to negotiate won’t hurt either. Trying because there might be something wrong with the items, when there is a salesperson involved (such as at a used car lot), at the flea market, and so on are all great places to practice your negotiating skills.

Michael from So You Think You Can Save talks about 5 Cheap Or Free Ways To Spend Quality Time With Your Significant Other, and says, “Reconnecting doesn’t have to be costly.

Peter from Bible Money Matters shares 10 Tips to Save Money on Your Christmas Shopping and Avoid Going Into Debt

Lily from Paying Debt Down presents Earning Extra Cash, and says, “It’s never to late to start caring about your finances.”

Teacher Man from My University Money presents Moving To Get a Job, and says, “Moving can often suck. Moving when you’re young and looking for work almost always sucks because you are rarely moving toward a desirable location. Locations that are desirable by definition attract highly qualified people in all fields, so your chances of landing a job in one are very poor. Also, the more universally desirable a place is, the greater the demand to live there, and consequently the higher the cost of living is likely to be. So guess what princess, you’re going to have to suck it up – for the short term at least.”

Jacob from Dwindling Debt asks Do Overdraft Chargers Affect Your Credit

Danielle from Saving Without A Budget shares 5 Smart Investing Tips for 2012.

Young from Young and Thrifty presents A Woman’s Perspective on Engagement Rings, and says, “As a woman who has been dating her boyfriend for the past 7 years, bought a home and moved in together for the past 1.5 years, my perspective on an engagement ring is simple. I think I just want one.”

Ray from Squirrelers asks How Much Does the Tooth Fairy Leave?, and says, “There are all kinds of ways that family and money are intertwined.

Jack from Money Saving Ethics tells us Easy Tips for Saving Money Part 2.

TTMK from Tie the Money Knot presents 5 Ways to Save Money Using Your Local Public Library, and says, “Want to know about a place that offers some incredible bargains – including things that are totally free?”

Money Walks from Money Walks presents 4 Tips About Retirement.

Matt from Budget SNOB presents Personal Finance Advice That Takes Only Minutes To Read, But Will Help For Years To Come.

pfblogger from Personal Cents says Fall is Upon Us – Lower Your Heating Costs! “Brr… it’s getting chilly!

Scott Skyles from asks How Does a Reverse Mortgage Work?, and says, “While the real estate market continues on the road to recovery, there has been quite a buzz recently regarding reverse mortgages. The advertisements for reverse mortgages are geared at individuals aged 62 and older, and they are usually endorsed by a celebrity within the same age range.”

Investor Junkie from Investor Junkie presents Quicken 2013 Review – Now with Mobile Access Support, and says, “Quite a few items were improved in the Quicken 2013 edition. Overall I’m happy they’ve progressed forward with the latest version, and not kept their focus on solely on just”

J.P. from Novel Investor shares The Best Reasons To Sell A Stock, and says, “There is an art to selling stock, or more importantly, knowing when to sell a stock. This separates the good investors from the great ones.”

Clint from Accumulating Money shares the Top 6 Tips for Planning and Budgeting Your Raw Diet, and says, “There are many online tools that can help get you well on your way to eating delicious and healthy meals without spending too much green.”

Harry Langenberg from Debt America: Super Power Your Finances warns Don’t Be Fooled By Claims of Government Grants for Debt Relief.

Nicole from Nicole and Maggie: Grumpy Rumblings Ask the grumpies: when to buy vs. rent.

FMF from Free Money Finance says My First Property Purchase Goes South.

Vanessa from Vanessa’s Money presents Cars: cash vs. financing; used vs. new, and asks, “Is cash ALWAYS better than financing? Can buying new ever be cheaper than buying used?”

Glen Craig from Free From Broke shares Six Essential Health Care Open Enrollment Tips.

Glen from Credit Card Smarts shares how to Use a Credit Card to Build Your Credit History Fast.

John S from Frugal Rules shares Blogging Tips From a Beginner, and says, “Before I began blogging, I thought there was a difficult point of entry. Thankfully, I was wrong and have found blogging to be fun and quite enjoyable. There are a few, although I know there are many more, tips I think that are key in being successful as a beginning blogger.”

Philip from PT Money Personal Finance talks about Cheap Halloween Candy and Decor, and says, “With Americans spending around $2 billion a year on Halloween candy, that factors out to about $20 per person. In this economy, that’s not a small pricetag. There are ways to save money on both candy and decorations.”

Jeff Rose from Good Financial Cents presents 15 Small Town Business Ideas to Start In Your Own Stomping Ground, and says, “Sorenson speculates that this hometown advantage allows local entrepreneurs to understand the needs and fit of the region, in addition to having a better network of potential customers, employees, and social connections who will advertise through word of mouth for free. The takeaway for the average small town entrepreneur: knowing your community is incredibly valuable.”

Jacob @ My Personal Finance Journey from My Personal Finance Journey presents Doggy Vet Bills – A Real Life Example of Emergency Fund Financial Planning in Action, and says, “This is a real life personal story of someone putting in to action various financial techniques they have learned throughout their lives. Specifically, how important emergency fund planning was for a couple with a veterinary emergency at their home.”

Mike from The Financial Blogger says You’re Not an Entrepreneur Because You Read Books, and asks, “What are you doing to prove yourself?”

Michal from Dough Roller presents How To Track Your Business Finances Like A Ninja, and says, “What was once a painful process now takes just a few minutes a month. ”

Green Panda from Green Panda Treehouse asks What Are Good Second Incomes to Get?

Pierre from Intelligent Speculator asks If You Had To Buy Google ($GOOG) Or Microsoft ($MSFT), Which Would It Be?

Mike from Experiglot shares 5 Ways to Use Your Bank Account For Investing

Martin from Start Freelancing Now presents The 100% Effective Guide For Getting Things Done as a Freelancer, and asks, “Do you want to become a super efficient hustler!”

Roger Wohlner from The Chicago Financial Planner asks Can I Retire?

SB from One Cent at a Time vents about Dumb real housewives of TV and their foolish money practices, and says, “This is what you should not learn about money by watching real housewives episodes. What you learn is how not to live your life. Stay away from the glamour and borrowed money lifestyle, create wealth and achieve financial freedom.”

Thank you for reading this week’s edition of COPF.


Carnival of Personal Finance #384 – Time for a Laugh Edition — 16 Comments

  1. Another great carnival list. I just don’t know how to choose what to read or not. I have to agree that my wife has used the “we are going to cancel” more then a few times to get a discount.

    I also feel that seeing things on sale causes us to purchase things we just simply don’t need in the first place. I think the 75% makes us think we really need to buy it even if we don’t need it.

  2. Nice work on the carnival and video clips too. Have to say tho – that while I was a Seinfeld fan when it was on the box… I really can’t take him anymore. No dis on the list tho…

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