Oct 5, 2013

Carnival of Tortoise Banker, 7th Edition

I'm baaaaaaaaccccckkkkkkkkk!  PHEW!  What a month it's been.  We sold our 600 square foot condo, and bought a 1000 square foot condo up the road here in Hawaii all in less than 2 weeks!  That's no excuse for taking time away from TB though, and I'm ecstatic to be back in the saddle bringing you great tips for building wealth slowly, as well as highlighting some of the best financial advice articles on the net!

So... without further ado... (by the way, I've confirmed it is spelled ado not adieu, AND when I googled "without further ado, I got... "without further ado: Cliché without further talk. (An overworked phrase usually heard in public announcements)."

Public Announcement:

Welcome to the 6th 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 slowandsteadytortoise@hotmail.com.

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 add a link to this carnival in your posts if you have been featured!
So, let's get started with this week's roundup.
Mike @ Personal Finance Journey writes Money saving tips for the Laundry - Simple and easy Money Saving tips for the laundry. It doesn't have to expensive to keep your clothes clean!

SBB @ Simple Budget Blog writes The Freelancer's Budget - So you've decided to quit your job and turn your hobby into a freelance career! Read here for tips on how to set up a budget when you're a freelancer.

Crystal @ Budgeting in the Fun Stuff writes Things I Don't Miss About My Last Day Job - Someone asked me if I missed having a "real" day job. Honestly, there are things I miss about it, but those are outweighed by the things I don't miss at all.

Kyle @ The Penny Hoarder writes Are You Making This Budgeting Mistake? - If you’re like many Americans, you sit down every month and make a rough budget. You estimate how much money will be coming in, and you write down what you will do with that money. Perhaps, like many Americans, when the end of the month comes, you find yourself looking at a negative number.

Rich @ Growing Money Smart writes What is Debt Ratio? - What is Debt Ratio? This post defines the ratio and give a take on what if the ratio is a high number

Luke @ Learn Bonds writes Why The Recent Drop In Interest Rates May Not Be What You Think - The factors that contributed to Wednesdays drop in Treasury yield may have more to do than just the Fed and quantitative easing.

Crystal @ Married (with Debt) writes Remembering the "Pay Yourself First" Rule - Before my husband and I went self-employed, I had a 401k and hubby had a pension plan. Those went bye-bye when we did. Now we are adding more options.

Tushar @ Start Investing Money writes Saving From a Young Age - There is a big difference between saving on behalf of your kids and teaching them good savings habits so they can start saving on their own. Many parents want to put something away for their children's future - perhaps to help them through college for example.

Ryan @ Cash Money Life writes Income vs Wealth - And What it Means For You - There is a big distinction when comparing income vs wealth. Income is how much you earn, wealth is how much you keep. Make your money work for you.

IMB @ Investing Money writes The Big Question for Investors-Inflation or Deflation - Investors are scratching their heads asking: “What in the world is going on? What is real? What should I believe?” This is the big question on inflation.

Minimalist @ Minimalist Finance writes Save Money on Heating This Fall - There’s no doubting that fall has descended upon the Western world. The days are becoming shorter, the leaves are falling off of the trees, and there’s a chill in the air that wasn’t around just a month ago.

Corey @ 20s Finances writes 6 Tips for Recent Grads to be Smarter With Their Money - Everyone knows that after graduation, there's a lot you need to do. One of the most important things you can do is learn to be smart with your money. Whether you already have a job, or you're looking for one after school is out, here are some money tips to help you stay ahead.

Mrs. Accountability @ Out of Debt Again writes Budgeting in a Move - After recently helping a family member move, I realized just how costly some moving products are.

Daisy @ Suburban Finance writes Getting Fit Without Spending a Fortune - Getting in shape without a gym membership is easy. Save money and slim down with some of our tips.

CAPI @ Creating a Passive Income writes Staying Safe: The Pros and Cons of Safety Deposit Boxes - People are doing all sorts of things to keep their valuables safe. Today we'll take a look at safety deposit boxes to establish whether they are efficient.

Tushar @ Earn More and Save writes 3 Things You Need to Know About Paying Off Debt - You're on a mission to earn more and save as much as possible. There is only one thing standing in your way. Debt. To build a solid financial foundation you first need to free yourself from the burden of debt.

Don @ Money Reasons writes Do I Have Brilliant Ideas on Helping the Econony or No? - These are some ideas I have for helping the economy. While I think they are original, I wonder if they are being considered already within the government?

SFB @ Simple Finance Blog writes Concerns that Parents should think about before cosigning a Loan - There comes a time in your life when you may be requested to co-sign on a loan.

Lauren @ L Bee and the Money Tree writes My New Net Worth - Should I count my home's value in my net worth?

Suba @ Broke Professionals writes Money Terms You Need to Know - Read these critical money terms that you should know to be knowledgeable in the personal financial world.

LaTisha @ Young Finances writes How Can I Use Credit Wisely? - Credit cards are not evil. You can build a healthy credit history. Use credit to borrow, get better car insurance rates and potentially secure employment.

Debt Guru @ Debt Free Blog writes Security for Less: Cutting Your Car Insurance Costs - It's time to research options and get the most out of your insurance policy. Here are five tips to cut car insurance costs without missing out on coverage.

Jester @ The Ultimate Juggle writes Fairness In Spending On Kids - When I first heard the phrase (work smarter, not harder), I dismissed it as business jargon for (work harder for us with no extra pay).

Hank @ Money Q&A writes Are You Losing The Financial Game Of Life? - Are you losing in the financial game of life? If you answered yes, you’re not alone. In 2008, 1 in 10 workers were made redundant.

Brent @ PersonalFinance-Tips writes 5 Secrets to Breaking Your Bad Financial Habits - If you want to gain control over your finances and break unhealthy habits, follow the following five tips. 1. Take Emotion Out of the Equation Some people spend a lot of money because they associate certain items with an emotion or experience. For example, a person may buy dolls because she associates them with her childhood and happy memories.

Cat Alford @ Budget Blonde writes Make Your Home Fancy and Modern On A Budget - If you want to modernize your home on a budget, here are some great tips to get that bright, airy feel you want without breaking the bank.

Maria @ The Money Principle writes Frugality or folly: home baking - Is home baking frugality or folly? I say that naking your own bread makes you frugal artist; what do you think?

Mr. Frenzy @ Frenzied Finances writes What High School Never Taught You (And Should Have): What is a Bond? - High school teaches you algebra, english and history - but it doesn't teach you finance! Read here to learn all about a bond.

Wayne @ Young Family Finance writes Minding Your Business: What Type of Corporation are You? - Is your business a nonprofit, sole proprietorship, or corporation? If you're starting a business, it could be important! Find out here.

Roger the Amateur Financier @ The Amateur Financier writes 4 Sources of Income in Retirement - A guide to several sources of income during retirement, including social security, pensions, personal savings and investments, and working part-time,

Don @ MoneySmartGuides writes 5 Autumn Home Maintenance Tips - With winter approaching, it's important to get your house in order for the cold weather. Here are some autumn home maintenance tips for you to implement.

krantcents @ KrantCents writes Do You Plan or Plan to Fail? - I plan because I do not plan to fail! If you have goals, you need a plan to make it happen. A budget is a form of a plan. Why budget? A budget is supposed to help you achieve your financial goals.

Tushar @ Finance TUBE writes 3 Tips To Prepare Your Family For Cost of Aging - Admitting that your loved one is getting older is hard but not as hard to figure out our family will afford the overwhelming cost associated with aging. From hospital care to doctor's visits, caring for your loved one Here are three tips how to financially prepare: Firstly learn more about financial planning.

Jacob @ AllPersonalFinance writes Tax Season Is Around the Corner: Six Things To Do Today To Prepare - Many people do not start thinking about their taxes until April 15 approaches. However, it is never too early to start preparing for the next tax season. Preparing early can help you save a lot of time and stress. Read about these six tips that will help you prepare for tax season!

Eva Baker @ TeensGotCents writes The Envelope System - An Update - I use the envelope system to budget my money. I have been working very hard to save up for a car, college and retirement - here's an update!

Ted Jenkin @ Your Smart Money Moves writes Let Me Tell You How It Was When I Was A Kid - Remember. Remember how thoroughly annoyed you got when your parents sat you down for that tongue lashing telling you about how spectacular your life is today

SavingMentor @ How To Save Money writes Know How Much Car Repairs Should Cost - I don’t know about you, but whenever I head to the service center to get my car inspected I’m always very apprehensive about what kind of problems they might find and how much it will end up costing me to get it fixed.

Tushar Mathur @ Everything Finance writes Three Tips to Save Money on Halloween This Year - If you couldn’t already tell by the store displays and kids already running around in their costumes, Halloween is only a month a way.

Mr.CBB @ Canadian Budget Binder writes Living on a budget is for losers - A budget for some people means they are restricting themselves from spending and for others it means understanding where their money goes. There is no wrong or right answer when it comes to budgeting because a budget doesn't have to be an excel spreadsheet all you need to know is where your are at, where you are going and are you succeeding at reaching your goals.

Edgar @ Degrees and Debt @ Degrees and Debt writes 7 Financial Tips for College Freshmen - Tips for College Freshmen regarding their finances!

Anton Ivanov @ Dreams Cash True writes Portfolio Planning Basics – Opening Appropriate Investment Accounts - Learn about the different types of investment accounts, including retirement, taxable, Traditional, Roth, 401k Plan and IRA accounts.

Jessica Moorhouse @ Mo' Money Mo' Houses writes For Love & Money Friday - Financial Topics Every Couple Should Discuss - In order to get our finances all organized, my husband and I have decided to get together every Friday to discuss a new money topic. Here are just a few topics we've planned on discussing in the coming weeks.

Jeff @ Making Sense of Cents writes Don’t Let Addicting Side Hustles Ruin You - Dedication like that can be a valuable trait when it comes to the long-term success of your side hustle. However, as I’m finding out, if you get too obsessed and lose sight of other priorities, then a side hustle addiction can be detrimental.

Dividend Growth Investor @ Dividend Growth Investor writes Long Term Dividend Growth Investing - The only thing that is constant in life is change. The world of dividend investing closely follows this eternal truth as well.

Robert @ The College Investor writes 10 Ways To Lose Money In The Stock Market - Just like understanding risk and reward, investors need to understand both how to make money in the stock market, as well as how to lose money in the stock market. While some of these are very simple and straight forward, others are more complicated, while another set focus on lost opportunity costs. Here’s what you need to remember about losing money in the stock market:

Christopher @ This That and The MBA writes Creative Ways to Fund Your Small Business Idea 

Dollar @ Easy Extra Dollar writes Home-based business will help you figure out and make a huge of money quickly - There are some useful tips that will assist you to track costs without having plenty of information and details in the workplace. This is usually the best idea to keep a personal life separate from your business, this is considered as the case in which allowances can be made.

Matt Becker @ Mom and Dad Money writes Roth IRA as an Emergency Fund – Is it a Good Idea? - The concept of using your Roth IRA as an emergency fund is one I find incredibly interesting, mostly because of the mental or behavioral considerations. From a purely technical standpoint, it can make a lot of sense. But from a behavioral standpoint, it can be dangerous when you start mixing your retirement savings with other purposes. Today I'd like to explore some of the strengths and weaknesses of taking this approach.

Adam @ Money Bulldog writes The Financial Benefits of Volunteer Work - Get yourself familiar with the financial gains that a lot of people wouldn't expect from volunteer work.

Adam @ Money Rebound writes The Mistakes That Stop Your Savings Account from Building Up - Want to know which habits can cost you money in the long run? Well, it's time to break loose from them.

Daniel @ Sweating The Big Stuff writes When Was The Last Time You Wrote A Check? - I rarely write checks these days with easier alternatives like PayPal abound, so it was surprising that the most recent check I cut was to a friend.

Jon Haver @ Pay My Student Loans writes What is the Obama Student Loan Forgiveness Program - President Obama’s biggest saying in this is a college education is only worth so much when the debt you receive is so high. This statement can be controversial because other people tend to believe a college education is a priceless necessity for a successful life.

Jerry @ Repaid.org writes 5 Top Financial Rules to Remain Debt Free - 5 Top Financial Rules To Remain Debt Free October 2, 2013 7:00 am Debt 0 comments Edit Whether your goal is to become debt free or simply pay down your debt somewhat, you may feel a bit lost in the beginning. Never fear, you are not alone. Here are a few tips to help you stay the course.

John S @ Frugal Rules writes Why So Many People Fail At Becoming Debt Free, Part II - If you’ve ever been in debt you know how difficult it can be to climb your way out of it. That success is generally tied back to having a plan and vision to become free of it – which is something many people miss out on and thus why they fail at ridding themselves of the debt.

Pauline @ Make Money Your Way writes Side hustle series: How I make money flipping phones - This is a guest post from Stephen he will explain how he make money flipping phones.

Pauline @ Reach Financial Independence writes The case for earning more - On the earn more, spend less equation, I strongly stand on the earn more side, because spending less is finite.

Grayson @ Debt Roundup writes When Opportunity Knocks - I had an opportunity to score a new to me Jeep Wrangler. I thought about it and ended up getting a used auto loan. There are some reasons why and I lay them out here.

Lisa E. @ Lisa Vs. The Loans writes The Future You - Are you making life easier or more difficult for Future You? What things do you need to sacrifice in order for Future You to be content?

Great write ups, gang!  Keep up the great posts.




  1. Great round up. Some I've read already and now clicking on the others I missed out! Thanks for sharing! Oh and congratulations on the new condo!