Aug 10, 2013

The Tortoise Banker Carnival, 5th Edition

Boy, early bird get's the.... rain?  As I briskly rose out of bed expecting to be the first in the water for a morning surf, I was met by a powerful hurricane Henrietta.  It looks like I'll have some extra time this morning to enjoy the best of the best in the financial realm and a nice cup of Kona coffee!  

If you didn't already check it out, be sure to have a look at my post on the importance of protecting your health this week.  I hope my story of overcoming cancer becomes a call to action for at least a few of you to begin making wiser decisions with your health!

Ok, if only I could find some cream for my coffee....   

Got it, let's begin!

Welcome to the 3rd edition of the Tortoise Banker Carnival, a selection of my favorite articles related to building wealth this week. If you would like to be included next week, please submit your post via Blogger Carnivals. If you would like to host for a future edition, please contact me at

Here are the guidelines:
  • Posts submitted should be written within the last 30 days
  • The posts must relate to building wealth, saving and investing, budgeting, entrepreneurship, or travel and lifestyle
  • Submit by Wednesday night for the Saturday edition
  • Please mention the carnival in your posts if you have been featured!
So, let's get started with this week's roundup.

Wayne @ Young Family Finance writes The Self-Employment Dream: Less Talk, More Action - Maybe it came to you as a 'lightbulb moment', or maybe it's a thought that you've stewed on and perfected for years. You know the one. It's your business idea, your inspired concept to invent, design, manufacture or improve something that fills a gap in the market. You've discussed it with friends, colleagues, the postman - anyone who will listen.

Mrs. Accountability @ Out of Debt Again writes How to Get a Statement and Reconcile Your PayPal Business Account - Trouble reconciling your PayPal account? This short tutorial will show you how to get a statement that will allow you to reconcile your account.

LaTisha @ Young Finances writes 3 Reasons Why Kim Kardashian Has More Assets Than You - Kimberly Noel Kardashian, mother of North West and partner of Kanye West, is worth $40 million and earned an estimated $10 million in one year as of June 2013.

Lauren @ L Bee and the Money Tree writes Let's make money. Finding jobs on Craigslist! - Jobs on Craigslist still manage to be the Wild West of the job-hunting set. You just never know what you’re going to get. After several months of finding side hustles via Craigslist I’ve discovered a couple of things.

Mr. Frenzy @ Frenzied Finances writes Two X Problems: The Financial Challenges Women Face - Recognizing that there are many financial challenges women face, and what to do about them, will help women to prepare for the future. Read for information.

MR @ Money Reasons writes Upper Middle Class Online Test - Check out my results from this Upper Middle Class Test. I included the url so you can try it too.

Evan @ My Journey To Millions writes Do You Have a Right to Choose Your Child's Degree or Major? - I tweeted a picture of my son taking pictures. Which made me ask this: can a parent who is paying for college choose a degree or major?

SBB @ Simple Budget Blog writes No Plan: How Americans Fare in Planning Budgets - The recent results of a Gallup poll reveal little enthusiasm for budget planning. Budgeting is important! Read here to learn more about American budgeting.

Monica Iannacone @ Monica On Money writes How to Payoff Your Mortgage ASAP! - After becoming debt-free, my current financial goal is to payoff my mortgage early. Here's how I'm doing it

FI Pilgrim @ FI Journey writes The True Impact Of Lifestyle Choices - Over the next few days I kept thinking about the word lifestyle and the far-reaching impact that it has on our lives (and finances).

Holly Johnson @ Club Thrifty writes Club Thrifty Fall Financial Lockdown - Spending has been getting a little crazy in the Club Thrifty household lately. As a result, we have put ourselves on FALL FINANCIAL LOCKDOWN.

Bargain Babe @ writes 7 Cheap Meals for Dinner - The only thing better than a tasty, cheap meal for dinner is if someone else cooks it for you! If it's you, consider reading my 7 cheap meals that are affordable, but also tasty!

Elise @ Payday Angels writes Interviews With Personal Finance Bloggers - I was lucky enough to be able to interview the people behind several informative and helpful blogs- If you are looking at starting your own blog there are plenty of handy tips to become a blogging success. If you are of entrepreneurial spirit you will also enjoy what they had to say- from their financial mistakes to how they feel about other peoples money management skills, fantastic feedback and hugely useful for bloggers and readers in general!

Don @ MoneySmartGuides writes How to Calculate Net Worth - Net worth is an important calculation that shows you your financial health. This post shows you how to calculate net worth.

Suba @ Broke Professionals writes 6 Reasons I Hate Underwriting - Buying a house is a different universe than it was five years ago. Getting a mortgage is like taking candy from a baby... or, maybe, a 42-year-old underwriter.

Crystal @ Budgeting in the Fun Stuff writes Cost for Tubing the Comal River Last Weekend - My friends and I headed out to New Braunfels last weekend and ended up tubing down the Comal River for 6 hours.

Tushar @ Start Investing Money writes Smart Reasons for Investing in Your Financial Knowledge - Here is a question for you: would you invest in stocks and shares if you didn't know a thing about them? What about other forms of investments? Would you be willing to sink a good portion of your savings into an investment you knew little to nothing

JP @ My Family Finances writes Different Types of Loans for Your Family - In an effort to save time and painful research, here is a very brief overview of some of the more common types of loans that families have.

Michelle @ The Shop My Closet Project writes Frivolous Spending, Super Poo, and Debt Repayment. A few thoughts about the road to Debt Freedom - I am on a serious mission to repay my debt. I stopped shopping, am using up my sh$t, bring my lunch to work, make my coffee at work, and am picking up extra work. Basically, I'm serious as a heart attack when I talk about wanting to take care of my debt!

Kathleen O'Malley @ Frugal Portland writes Going on a Road Trip using AirBnB - We are using AirBnB for the first time. It is a great way to save money in a few ways.

Amanda L Grossman @ Frugal Confessions writes Add a Boatload to Your Savings Account in One Year, Even if You are Living Paycheck to Paycheck - There are a lot of people living paycheck to paycheck, out of necessity.

SFB @ Simple Finance Blog writes Ready, Set, Shop! It's Tax Free Weekend - It’s my favorite time of the year – a time when I can go to the store and splurge a little bit, while simultaneously feel a little less guilty about the money I’m dropping.

Jacob @ AllPersonalFinance writes Insurance... Don't be Underinsured - Many people are always looking for cheap homeowners insurance. However in their haste to find cheap homeowners insurance they often risk the protection they need. Millions of residents in the UK are underinsured. Are you one of them? Now would be a good time to check your homeowners policy to make sure you have adequate coverage?

Roger the Amateur Financier @ The Amateur Financier writes How to Monitor and Maintain Your Online Persona - A discuss on online persona and how to monitor what is being said about you online as you attempt to generate a positive personality online.

MMD @ My Money Design writes Motivation In the Workplace and My Thoughts on Mind Control - Motivation in the workplace has gone from the desire to do your best into a simple will of survival. And worst of all: We let ourselves be hypnotized into this form of mind control. This post will explore why we let this happen.

MMD @ IRA vs 401k Central writes A Strategy for Getting the Most From Both a Roth IRA vs 401k - Some people just want to know – between a Roth IRA vs 401k, which one should I start off with in order to maximize my potential? The answer - BOTH! This post will show you how.

DW @ Great Passive Income Ideas writes I Want To Make Money on the Side – What Are Some Ways To Do So? - If you’re saying I want to make money on the side but don’t know how, then you should know there are a lot of easy things you can start doing now that work. Here are my tips for ways to accomplish that.

Corey @ 20s Finances writes Tips to Save Money on Your Wedding Reception - Here are some tips I have gathered while planning our wedding reception.

Tushar Mathur @ Everything Finance writes Self-Employed and Have Debt? Why Dave Ramsey May Not Work for You - Dave Ramsey. His name is synonymous with getting out of debt. No doubt his baby step program has helped millions get out of debt and stay out of debt. But he might now work for you, and here is why!

Daisy @ Suburban Finance writes Rent Vs. Buy - Should I rent a home, or buy one? This article will be helpful in deciding what you should do.

Maria @ The Money Principle writes The Manifesto of a Frugal Artist - In this article I discuss two kinds of frugality: extreme frugality and frugality as an art form. I am a frugal artist; how about you?

krantcents @ KrantCents writes Some Things Get Better with Age! - Some things get better with age such as wine, cowboy boots, blue jeans, rib-eye steaks, balsamic vinegar and some human beings. Older people are not quietly go into the sunset and retiring. Successful entrepreneurs are getting older! The young entrepreneurs may get more press, but there are many older people becoming entrepreneurs.

Matt Becker @ Mom and Dad Money writes Is Peer-to-Peer Lending the Next Big Thing? - Peer-to-peer lending is pretty big in the world of personal finance right now. There are a lot of people talking excitedly about the great investment returns they've made recently, and of course this has only drummed up interest from others on how to get involved. This is typical of any new investment that's seen some success, but does it mean that it's a good thing to get involved with?

Crystal @ Married (with Debt) writes A Big Debt-Free Reward - My husband and I worked diligently together to become debt free. Well, he did the work and I was supportive (and along for the ride). Anyway, we did it.

Brent @ PersonalFinance-Tips writes Tips That Help You Manage Your Personal Finances Well - Managing personal finances and that too personal finance is not an easy affair. In fact many of us face problems in taking care of our personal finances in spite of making a budget. It often happens that we end up spending more than we actually intend to.

Cat Alford @ Budget Blonde writes How to Avoid A Savings Addiction - Do you have a savings addiction? Do you always feel like you have to buy something just because you have a coupon? If so, here's how to combat it!

Minimalist @ Minimalist Finance writes Save Money on Your Education (Or Get it For Free) - Education is expensive. We all know this. Parents save for years for their kid's post-secondary education, and sometimes that's not even enough.

Ryan @ Cash Money Life writes Why you Should Take a Vacation - Studies show that taking a vacation can improve your quality of life and help your career by improving your concentration and productivity.

Mike @ Personal Finance Journey writes Creative money saving ideas for the car - Driving a car isn't rocket science and neither is saving money. Here are our creative money saving ideas for the car.

Debt Guru @ Debt Free Blog writes The Missing Help on Credit Scores - Didn't get to learn about credit in high school? Neither did we. It's strange, right? Read here for your basic education on credit and credit scores.

CAPI @ Creating a Passive Income writes Small Business Saving: How To Save Your Business Money - Running a small business and finding success? Great! Now you need to save your business money. Read here to learn how.

Miss T. @ Prairie Eco Thrifter writes Tips for Beginner Gardeners - Here’s what I’d suggest you do if you are a beginner gardener and don’t know where to start:

Christopher @ This That and The MBA writes Setting Up Your Home Business - It’s no surprise that in such situation home businesses are flourishing: 23 percent of the country’s businesses are now home-based, according to data from the Federation of Small Businesses. Rather than looking for a job that doesn’t seem to be there, many people have resorted to going it alone.

Penny Thots @ Penny Thots writes Twenty-Two Ways to Stay Cool This Summer - Is your world hot, dry and sizzling? Try these easy ways to keep things cool:

Little House @ Little House in the Valley writes Revisiting New Year's Resolutions - Here it is 8 months into 2013 and I’m not so sure I’m on target with my New Year’s Resolutions.

Harry Campbell @ Your PF Pro writes What’s the Best Day of the Week to Quit Your Job? - If you haven’t heard by now, I quit my job! My fiancee and I are moving and I did not want to make the hour plus commute so I gave my notice about a month ago. My last day was last Tuesday and so far being unemployed has been pretty awesome. Eventually I’m going to get back to my day job but for now I’m happy working online and living life. A lot of my co-workers thought it strange that I quit on a Tuesday but there was a method to my madness.

Pauline @ Make Money Your Way writes Renting part of your house or basement long term - This post shows how you can make money by renting part of your house or your basement to a new tenant.

Glen @ Monster Piggy Bank writes How to Save Money for a House - Learn about the common things you need to look for when saving money for a house.

Paul @ The Frugal Toad writes 5 Things Everyone Should Know About Loans - Sooner or later in life, everyone is going to need to borrow money. It happens, either because you’re making an investment in a residence, going to college, or buying another big-ticket item. There are many types of loans to choose from, all with different interest rates and grace periods. Before you jump into the first loan you can find, you should do some research and know what you’re getting into. In fact, here are five things you need to know before you think about taking out a new loan.

John S @ Frugal Rules writes Drip, Drip, Drip…Are You Guilty of these Budget Leaks? - If you try to live on a budget, you know how easy it can be to get off track. The problem comes in when you do not recognize it and it starts to cost you a significant amount of money. What budget leaks do you have?

Andrew @ Living Rich Cheaply writes Higher Price Better Product? - Does a more expensive product mean that it is higher quality? Sometimes, but not always. Read why we think this way and how to get the best value when we buy something.

Bank Free Credit @ Bank Free Credit writes Free Summer Activities - Since most of us are on fairly tight budgets, it's important to explore these free summer activities to ensure a fun-filled summer for less. All of the activities discussed can be done either as a family, a couple, or even a group of friends.

Jon @ Novel Investor writes Tax Harvesting: Using Investments To Lower Taxes - Tax harvesting is a legal way to lower your taxes by using losses to offset capital gains or selling a gain to avoid higher taxes in the future.

Investor Junkie @ Investor Junkie writes FreshBooks Review - Invoicing Made Simple - FreshBooks has a number of other features that make it well worth the price (except at the Mighty Oaks level). Indeed, the level of integration and usability, along with the ability to access it from anywhere, makes it a valuable invoicing tool for the small business owner.

Bryan @ Gajizmo writes Best Time To Buy Everything - Need a new car, appliance, grill, suit, boat, wedding dress, camera, cell phone, television, luggage, laptop, mattress, or power tool? Check out our comprehensive guide on the best time of year to buy anything and everything you need. By planning ahead and knowing when stores are pushing out old stock for new releases, you can enjoy huge discounts on big ticket items. Check out this list detailing what to buy each month and let us know how much you save.

Mr.CBB @ Canadian Budget Binder writes UK Exchange Rate Takes It's Toll On Our Net Worth - The exchange rate in the UK has been going up and going down just as fast as the petrol prices have. The exchange rate can have a profound affect on our net worth and why it's important to track your investments and make sure you can handle the ups and downs if you invest abroad.

Grayson @ Debt Roundup writes Diversifying My Savings - I have been building my emergency fund for quite some time, but I have realized that I am not doing myself any favors. I need to diversify my money in order to have it make money. I decided to put some money into my Roth that I will use as my backup emergency fund, so if something really bad happens, then I will have it available.

AB @ Aspiring Blogger writes Your Job is Trying To Kill You! - I know life can be rough sometimes, but did you realize that your job could be trying to kill you? Now you have another reason to become financially independent!

That's all for this week.  Now, where's a window to see if this weather has passed by yet...



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