Carnival of Personal Finance: Back in the Job Market

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.

Editor’s Picks

  1. 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.
  2. 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.
  3. 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. 😉



  • 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.





  • 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?



  • 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.

Money Management

  • 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!

Real Estate

  • 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.



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.

25 Responses to Carnival of Personal Finance: Back in the Job Market

  1. Thanks for hosting and including my post on debit cards, Briana.  When it comes time to take the polygraph test, remember the words of George Costanza: “It’s not a lie if you believe it’s true”.  Good luck!

  2. Thanks for hosting this week Briana and thanks for including my post.
    Also, congrats on the new job opporunity.  I hope it works out for you.

  3. Sydney
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  4. Sydney provides numerous cleaning jobs to cleaning workers. To put it mildly, cleaning jobs in Sydney are plentiful and opportunities are waiting for the right people. This combined with the lifestyle that Sydney offers is a very attractive proposition.
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  5. Fortunately
    (or unfortunately -however you see it) 
    – I am 20+ just got engaged, for better or worse I am now also
    considering the life insurance & retirement planning – A dude from
    Bankers Conseco Life Insurance Company
     lives next door to us – he is our family
    life insurance agent & parents have policies with him – he is telling me
    that I should get a life insurance – I am thinking of getting it since as
    they say that you should take the life insurance while you are young. Don’t
    know what people think on this post about 20+ getting the life insurance !
    Have a beautiful day Guys ! Peace 

  6. Good article. There are so many mortgage insurance providers out
    there. I am shopping for quite some time, but having hard time finding out
    the right one. Found from bankrate that reliance first capital gives good discounts. Will it be good in the long run? Any


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