As most of you know, I got my start in the freelance writing business for personal finance blogs. My previous job introduced me to a lot of these people, and I’m so grateful. I’m also honored to be this week’s host of the Carnival of Personal Finance! This is the 339th edition, and I want to mention being back in the job market. Although I would have loved to have been a full time blogger and freelance writer, honestly, I still have bills to pay and things to do. I just haven’t gotten used to it yet, and I miss going to work. So I applied to be a custody assistant and I applied for deputy for the LA Sheriff’s Department. I took my test last week and passed my interview on Saturday. I’m now preparing for the background portion. If/when I pass that, I move on to a polygraph test, and an academy. I’m excited and nervous at the same time. I’m really hoping I get through everything. This could be a great path for me and an awesome start. I can meet new friends and have a career, not just a job. Wish me luck! Now on to the awesome stories.
- The Jenny Pincher‘s own Jenny tackles problems and solutions on how to be rich. Can you get rich if you’re working a full time job? It depends on your salary, your type of work, and what you consider rich. I think rich is more of a state of mind.
- Squirrelers wrote a great post about survival of the fittest in the workplace and myths about fairness. One of the myths mentioned was that HR is there for the employees. Boy did me and hubby figure that out! But, hindsight is always 20/20.
- You guys all know about my baby fever by now, and even though I know we can’t afford it, it doesn’t go away. Neal Frankle from Wealth Pilgrim told his story of having a baby before he could afford to. Some may find it irresponsible. Others may say you shouldn’t wait. We’ll see how 2012 goes.
- Flexo from Consumerism Commentary has a guest post from Your Financial Simplified about surviving at the poverty line. I’m hoping if I get this new job, we won’t have to worry about this.
- Roshawn Watson of Watson Inc gives us 3 powerful ways to decrease your financial stress. That’s right up my alley!
- Lindy of Minting Nickels compares wardrobe planning with meal planning. Agreed!
- Last week’s host Paula from Afford Anything brings up a great point. When people see you’re doing something you said you were going to do, sometimes they seem surprised. They say, “Wow, You’re Really Doing It!” Great expectations lead to victories.
- Kevin at Thousandaire brought up something I’ve been wondering myself: is a small business the key to being wealthy? Some would say yes, I don’t know many who would say no. But it certainly requires a lot of discipline.
- Do you know how to say no? How about at work? SB from One Cent at a Time gives you some tips on staying focused.
- Mike from The Financial Blogger has been one of my inspirations this year for making online income. He’s upping the ante and plans to make $10k/month! I’m definitely not there yet.
- Miranda at Financial Highway has a list of 50 home business ideas. I’m going to look into many of these and see if they’re feasible to do in case the job doesn’t work out.
- Jake Gibson had a Q&A at Nerd Wallet about the best credit and debit cards to travel with. Many of you will be traveling to visit your loved ones this Christmas. Don’t leave these cards behind!
- Marjorie and the team at Card Hub have some credit predictions for 2012. One of the predictions is that debit card use will go down. Not for me!
- Corey at 20s Finance did a what’s in my wallet post, including his strategy on rewards credit cards. I’ll get to that point one day.
- One thing I’m working on is improving my credit score. Martin from Studenomics gives us tips on getting our credit score high.
- Janet from Credit, Eh gives tips for teaching your teen about credit cards. If only my parents read this for me.
- Cathy Moran of Money Health Central tackles a frequently asked question: should you pay off debt or save with All Out to Get Out Of Debt, Or Not? For those who faced this before, which did you choose?
- Not too long ago, I asked if you would lend money to your loved one. Well, Don at Money Reasons says don’t lend money to friends unless you’re giving away for free.
- Want to get rid of that debt ASAP after college? Green Panda Treehouse gives the extreme method for killing debt after college.
- Money Q&A‘s Hank brings us a post all about interest, especially when it comes to your mortgage.
- Let’s learn from Dough Roller‘s mistakes: Visa and MasterCard are not finite options for rental car insurance.
- Matt Bell from Matt About Money asks are you financially sleep or awake? Honestly, I’m dozing off, but I’m taking a 5 hour energy in finance haha.
- Jen from Master the Art of Saving gave us 10 unique ways to save money, including some extreme ways like nixing the toilet paper! I’d probably never go that far, but if you’re committed, you can do it.
- Money Thinker has smart ways to give charitably. Didn’t think they could do it wrong, did you?
- PKamp3 at Don’t Quit Your Day Job brings to light the male-female unemployment gap. We’re both feeling it in this house.
- Pat S from Compounding Returns gives you 7 ways to grow your assets in a bad economy. I’m doing a couple of them in 2012, what about you?
- Glen Craig from Free From Broke has a post asking could changes to the Home Affordable Refinance Program (HARP) benefit you? I had never heard of the program, but it’s something to look in to.
- Steve Jobs may have passed but he has thoughts about the nature of jobs, presented by Mike of Experiglot.
- Have you seen that gold just keeps rising up and up? I haven’t quite jumped on board and Peter from Bible Money Matters is not a gold bug. It makes some great points on why it’s not the best investing strategy out there.
- I’ve heard from many seasoned experts that you should save for retirement early. Mike Piper from Oblivious Investor has some tips for playing catch up with retirement savings.
- I don’t know much about investing, but Jon the Saver from Free Money Wisdom thinks all you investors out there to branch out into the world of of Forex. He can explain it much better than I can.
- Another trusted source when it comes to investing is Sustainable Personal Finance. The Preferred Shared Dividend Plan may seem foreign to me, but it can help you out.
- 101 Centavos pays their kids in silver for their chores instead of dollars, and talks about it in Junk Silver in a Household Economy. Would you do the same?
- Do you have a million dollars? If you did, I don’t think you’d be reading my blog haha. But Hope to Prosper‘s Bret wants to know where you would invest it.
- More about investing: Dividend Growth Investor posts a dividends aristocrats list for 2012.
- We’re less than 2 weeks away from Christmas, and no doubt gift cards are going to be a huge gift. Miranda Marquit wrote at Smart on Money about watching out for gift card scams. Better to be safe than sorry!
- Personally, I use plastic for about 80% of my purchases. So when I read Echo’s post on debit cards are costing us money on Boomer & Echo, I was a bit nervous. But I can see how it puts us at risk.
- If I get this job, I’m going to be doing a lot of physical training. Crystal from Budgeting in the Fun Stuff is debating to train or not to train. I say go for it Crystal! Trainers can keep you on task.
- When should you buy life insurance? I asked, and I’m sure you did too. Accumulating Money’s Clint has the answer for you.
- Michael is Begging to Retire and he believes unmanageable debt is a disease. I think it depends per each situation, but come to your own conclusion.
- Tis the season of giving, and Kelly at CreditDonkey wants you to give charitably this season.
- Looking for concise advice? Well FMF of Free Money Finance gives you the complete guide to building wealth in 2 sentences. That’s more than you just got from reading this bullet point haha!
- Want to pay off your mortgage early? I would love to, but I need a mortgage first! John from Passive Family Income has a plan, and it sounds like they’ll be paying off their loan sooner than the usual 30 years.
- In turn, could you walk away from your mortgage? Money Beagle just can’t justify it. To me, it would depend on my situation. The economy simply sucks right now, so for some people, there’s no choice.
- Have you been looking to increase your home’s value but don’t have a lot of money to do it? Money Walks has 5 easy ways to do it.
- MD from Passive Income Now gives a tutorial on how to find a tenant for your rental property. This will come in handy in a few years, at least I hope.
- How much should you tip during the holidays? Does it make a difference? Stephanie Taylor Christensen from Wellness on Less gives you the scoop. Definitely something to keep in mind when you’re out to eat to take a break from shopping.
- Net Worth Journey has self employed retirement plans, something else I considered if I would continue to pursue freelancing.
- Lots of mentions of giving this time of year! PT Money‘s own Philip gives us a heads up that the deadline for qualified charitable distribution approaching. Mark your calendar!
Other Awesome Posts
- From Femme Frugality, Brynne has ideas on how to bring in cash during the holidays: getting a holiday job. While the holidays may almost be up, retail and hospitality will probably still need some seasonal employees.
- Kelly Bejelly from A Girl Worth Saving brought us into her personal world, where she became another uninsured American. I can relate, as I got laid off right before I could get health benefits, and hubby got laid off right before he could add me to his. Thankfully, I’m still on my dad’s health insurance, but dental and vision, not so.
- I’ve been blogging since I was 9 years old, but just this year, I started seeing it as a business instead of a personal diary. Aloysa of My Broken Coin wants to know honestly, why do you blog? I blog because I love to write and I love to interact with people around the world. What about you?
- Bringing some humor into the mix, Dan at Sweating the Big Stuff has the best rap money lyrics from 2011, including one of my favorite from Lil Wayne.
- Craig Ford from Money Help for Christians has some great Christian book suggestions, including EntreLeadership by Dave Ramsey, a book on my to-read list.
- Shaun at Money Cactus wrote about finding ways to make more money, something we’ve all thought about. When I get in shape, I’d love to do a bootcamp, one of his suggestions.
- Have a kid on your Christmas shopping list? Want to teach them about money? Madison of My Dollar Plan has 9 Christmas gift ideas for kids to learn about money. My little cousin loves books, so I’m thinking of a money book for him.
- Teacher Man from My University Money wishes he started an Internet business in university. I sort of did, but sort of didn’t, but he makes some excellent points.