Carnival of Personal Finance #435, on the road again edition

Happy Monday from Spain! I have been on the road for the past 6 weeks, traveling on my motorcycle from Paris to Morocco and am now making my way back, hoping the mild weather will last until Paris.

Safe for the money we spend every day on food, gas, shelter and attractions, and trying to keep this blog afloat while spending less than an hour online every day, I have to admit that few money concerns crossed my mind. Which is why I am thrilled to be hosting the Carnival of Personal Finance once more, and share with you the very best from the past few weeks, enjoy!


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Editor’s picks

I spend a lot of money on travel like you can see, and own a big shiny motorcycle, however, some other Luxuries Are Not Worth the Money, Daisy lists a few on Prairie Eco Thrifter.

One such luxury is having the time and budget to take a two month holiday. If you are unfamiliar with Financial Independence, FI Pilgrim explains the concept on FI 101: How To Become Financially Independent.

Harry Campbell from The Four Hour Work Day knows if you want to live off your own business, Passion Will Get You to the Top, and working for yourself doing something you love is the best thing you can do to succeed.

Andy Gray from theFIREstarter explain how having an Internal Locus of Control can help you reach financial independence and retire early. It is all about attitude.


Best of the rest


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Colin Williams from Humble Investors presents The Rule of 72 – The Best Number In Finance, and says, “The quickest way to determine what investment return you need to double your money. Learn this and your almost there as a finance guru”

Emily from Evolving Personal Finance presents You Should Spend More and Save Less (Especially Grad Students), and says, “I criticize the advice of an economist to spend more and save less as a young college graduate.”

Gary from Gajizmo presents How Much Car Can I Afford?, and says, “A car is likely one of the largest purchases you’ll ever make, after your home, investments, and/or a small business. Unfortunately, many American consumers overspend in this product category. Here’s a guide on how you should budget for your vehicle and a few strategies on how to determine how much car you can afford.”

Roger Wohlner from The Chicago Financial Planner presents Mutual Funds and The Rolling Stones: Time is on Their Side, and says, “One of the Rolling Stones’ greatest hits is called Time is on My Side. Given the potential impact that the passage of time will have on the trailing five year returns of many mutual funds by the end of 2013, the fund companies should be singing this song as well.”

Brian from Stocks and Cents presents Fear, Patience, and Faith in the Process, and says, “This is an article that is not just about investing but also about how one lives their life. It touches on several points regarding “the process” and will be expanded on in several follow ups.”

Jason from The Money Makers presents New 100 Dollar Bill: What Changed?, and says, “The new $100 dollar bill was introduced to the world recently and Benjamin Franklin, the iconic figure who has traditionally graced the C note for decades, would, as a garish and innovative guy himself, completely approve.”

David from Young Adult Money presents Side hustle series: How I Make Money Entering Giveaways and says, “This post will show you about the pros and cons about making money entering giveaways.”

Daniel from Make Money Make Cents presents The Boom in Posh Pawnbrokers, and says, “If you watch any TV at all you have probably at least glanced at some of the myriad Pawn reality shows that have become so popular as of late. Cash poor but asset rich Americans are turning to pawn brokers for short-term loans, something that has been dubbed \’high-class pawn brokering.\'”

Oscar from Money is the Root presents Find Out Which of the 4 Money Mindsets You Have, and says, “Even though 90% of Americans have some type of personal finance planning, very few have a truly clear, well-rounded approach to reaching their financial goals.”

Jay from Daily Fuel Economy Tip presents Why You Should Avoid These New Car Features, and says, “Every year and with every new model, automakers from Kia to Toyota try their best at creating new and innovative features that they can put into the cockpit of their new automobiles.”

Matt from Budget Snob presents Guard Your Retirement Income with These Comprehensive Tips, and says, “One sad fact that all people nearing or already in retirement have to deal with today is that income during retirement is lower than it has ever been in the last 60 years.”

Jack from Money Saving Ethics presents Home Renovations that can actually Lower your Home’s Value, and says, “If there is one thing that financial advisers tell their customers on a regular basis, it is that home renovations can increase the value of their home and help them to get more money when it is time to sell. But this may not be true.”

Amy from Money Mishaps presents The Top 5 Biggest Home buying Mistakes 1st Time Buyers Make, and says, “When they bought their first home in North Dakota in 2004, Shane Ede and his new wife were completely unprepared financially. However, since they did not have an experienced mortgage professional helping them and there was no prequalification process necessary in order to purchase, the Edes were able to buy a nice little 3 bedroom home.”

Lenny from Best Money Saving Blog presents Investments That Aren’t Really A Very Good Investment, and says, “Everyone wants to make as much money as possible with as little effort. That is not always possible of course and, when it comes to financial planning, you need to be aware that all investments are definitely not created equal.”

Hadley from Epic Finances presents Disney Announces New Release Dates for 2 Pixar Films but Should Hit Their Quarterly Earnings, and says, “If you are a holder of Disney stock, their decision to push back the release dates of 2 of their Pixar films might have come as a surprise to you as, to analysts, it certainly was. It is also causing many to revise their earnings estimate for one of the world’s media giants.”

Andrea from So Over This presents Why It’s Important to Plan for Funerals, and says, “Many people never stop to consider what would happen to their loved ones if they suddenly passed away. One way to decrease the stress your family will feel at your death is to purchase funeral insurance.”

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Lily from Paying Debt Down presents How to Write Your Own Will, and says, “When a person passes away, their tomorrows are over but, if they do not have a Last Will and Testament, they will not leave behind clear instructions about what to do with any money or assets that they own.”

Katie from IRA Basics presents What Does Business Capitalisation Mean?, and says, “A phrase often seen in business-related publication is that of business capital or business capitalisation. What does that mean?”

Sam from The New Business Blog presents TOMS- Creating Magic with Shoes, and says, “TOMS may appear to be just another trendy footwear company like so many on the market today. But TOMS recently gave away their 10 million pair of shoes to a needy child.”

Marissa from Finance Triggers presents Saving Money on Gluten Free Products, and says, “Gluten is wreaking havoc on diets these days. Most people think that this is a new trendy diet, and while it is not really a new ailment, but one that has been plaguing people for years.”

Marissa from Thirty Six Months presents Hanging Out with Friends: Do it on a Budget, and says, “I like going for drinks with friends. There, I said it. I tend to work 15 hours a day, and want to spend time unwinding with people I care about after work. I also happen to do that a few times a week.”

Buck Inspire from Buck Inspire presents What Does It Cost to Run a Startup?, and says, “Starting your own business in the US is not getting any cheaper. But we are not the most expensive place to run a startup. With everyone going mobile, would it make more economic sense to run your business from another country?”

Monica from Monica On Money presents Feeling Stressed? 22 Halloween Deals for Only $1, and says, “Do not spend more than $1 for these Halloween decorations! If you are planning on throwing a Halloween Party or taking your kids trick-or-treating. check out these Halloween Deals for only $1.”

Holly from Club Thrifty presents Breaking Obamacare News: It Still Sucks, and says, “Breaking Obamacare News: The plan still sucks. Read why I think the Affordable Care Act is destined to fail in this post.”

Barbara Friedberg from Barbara Friedberg Personal Finance presents 8 Steps to Creating A Diversified Asset Classes Portfolio, and says, “How to create a diversified asset classes portfolio. Part 2 of what is Best Investing Method Series. Understand diversified asset classes investing with indexes.”

Larry from KrantCents presents Teach Your College Student the Wonders of Good Credit, and says, “Teaching your college-age child about the realities of credit is challenging. Is it important they learn about the good, the bad and the ugly features of credit? Absolutely.”

Natalie from Debt and the Girl presents Finding Your Rock Bottom When It Comes To Your Finances, and says, “Plenty of us have experienced a moment that changed our financial perspectives and the same can be said for me as well. I reached a moment like that and it completely changed my outlook on money and finances forever.”

Alexa from Single Moms Income presents On Self Limiting Behavior, and says, “Since I am now getting ready to transition myself into full time freelancing The Psychology of Selling: Increase Your Sales Faster and Easier Than You Ever Thought Possible seemed like a perfect fit.”

Big Cajun Man (aw) from THE Canadian Personal Finance Site presents Financial Advice Ignored (Oh Myyyy), and says, “Astounding how so many people ask for financial advice, and then do the exact opposite of the advice given.”

Sustainable PF from Sustainable Personal Finance Blog presents Can You Really Make Money Investing in Collectibles?, and says, “My husband loves collectibles. He has bought nearly every action figure associated with the Lord of the Rings movies. One of his justifications for spending on collectibles is that it is sort of an investment.”

Graham Clark from Moneystepper presents Free Competitions: How Much Can You Earn?, and says, “Free competitions are everywhere online. But is it worth entering these free online competitions or is there a better way to spend your time?”

Dividend Growth Investor from Dividend Growth Investor presents Do not despise the days of small beginnings, and says, “The most important thing for investors is to actually get started investing, even if they have low initial amounts to put to work. This would help them benefit from power of long term compounding, and would allow them to reach their financial goals. ”

Harry Campbell from Your PF Pro presents Is a AAA Membership Worth It?, and says, “One of the ways companies like to hit up consumers over and over is by charging monthly or yearly subscription fees. That’s usually why most businesses won’t offer lifetime memberships, instead they opt for subscription type services. That way, you have to keep coming back every year and give them more money. It’s a pretty solid business model but does it make sense for the consumer?”

A 30 something French girl embarking on a journey towards Financial Independence. I blog about money, travel, simple and deliberate living, freedom and choices. You can find me on Twitter, Google+, or Reach Financial Independence's Facebook Page

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  1. Love that pic of you and the bike, Pauline! So glad you are having a great time and that the weather has been good. Living vicariously through you as we work to pay off our debt. :-)
    Laurie @thefrugalfarmer recently posted..It’s Almost That Time Again and Good Reads for the Week Ending 10-19-13My Profile

  2. Thanks for sharing these articles, I’m looking forward to catching up on some great reads! Love the pictures too and hope you’re enjoying your road trip! :)
    Hayley @ A Disease Called Debt recently posted..Keep Calm and Carry On! Part 1My Profile

  3. Thanks for inclusion and hosting, I really appreciate it.
    krantcents recently posted..I Am a Stud!My Profile

  4. Glad to hear your vacation is going well Pauline. I just got back from holiday myself this past week and sure do miss it already.
    canadianbudgetbinder recently posted..Will Roundabouts save money and time for Canadians?My Profile

  5. Thanks for including my post and for hosting.
    Roger @ The Chicago Financial Planner recently posted..Lessons the Financial Services Industry Could Learn from Visiting Lambeau FieldMy Profile

  6. Thanks for including me! What a lifestyle! Safe and happy travels!
    Buck Inspire recently posted..Las Vegas Hotel HoppingMy Profile

  7. So jealous, hope you’re having a fantastic time!
    Anne @ Unique Gifter recently posted..A Wedding Gift full of ZestMy Profile

  8. Pauline, Thanks for including my article, I appreciate the support!
    MonicaOnMoney recently posted..Weekly Favorites – Saving Money on Halloween EditionMy Profile

  9. Thanks for including my post – Cheers from down under
    Colin Williams recently posted..10 Tips To Future Proof Your Life When Starting A FamilyMy Profile

  10. A massively late thank you Pauline! As you probably gathered from my other comment I didn’t realise all my pingbacks were going into spam until just now. I had no idea you’d linked to my article let alone featured it in the editors pick. Thank you once again, really appreciate it and I’m buzzing that you featured me (even though I have found out about 3 months too late, hah!)
    theFIREstarter recently posted..How Much are you Wasting on Getting WastedMy Profile

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