Welcome to the festival of frugality. This is a massive collection of quality articles from great blogs around the world. Take your time to enjoy this great collection and share as many of the articles as you choose.
This festival of great personal finance articles is in dedication to those that have been furloughed by the US government. I am sorry that you have been sent home because our elected leaders continue to fight over the toy we call a budget. If you really want to hear what I have to say about the subject, then check out my rant about how the government needs to grow up. If it was up to me, no one would be missing work, except for the inept people that consider themselves leaders. No matter your political affiliation, if you think that this is justified, then please go head to the doctor. You need to get your head checked. If you don’t have insurance for this, then make sure to sign up for affordable healthcare brought to your by the government. Most call this Obamacare, but it really is called the Affordable Care Act.
Christopher presents 5 Reasons Why Your Next Car Should Be A Green Ethical Hybrid Car posted at This That and The MBA
Green, ethical, hybrid cars certainly do have a way of turning your head. If you are in the market for a new car, you may have spent some time peering into the window of a hybrid car at a local car dealership in recent weeks, but you may not have considered all of the benefits associated with owning one of these cars.
Jefferson presents Using Credit Card Rewards Points Wisely posted at See Debt Run
When getting out of debt, using credit cards can be risky. But once you get there, using rewards points can be a great way to fund vacations and more.
Daniel presents How to Save Even More on Everyday Purchases posted at Make Money Make Cents
Creating a budget has become a normal part of any household to make sure the money coming in is being allocated correctly. This means finding ways to save on everyday purchases in any way possible.
Oscar presents Are BitCoins as Safe as Regular Money? posted at Money is the Root
Bitcoins are a new form of virtual money that is being used around the world in order to avoid the pitfalls of governments, taxes and banks. While this may be the case, the big question is are they safer than regular money?
Jay presents Testing the Tips How the Gas Saving Tips Actually Measure Up posted at Daily Fuel Economy Tip
Unless you live in Siberia and use snowshoes to get around, you are probably aware that gas prices are at an all-time high. You know that, no matter where you look, there are tips for how to save gas, how to increase your MPG and how to save money at the gas pump.
Matt presents Frugal Habits that may actually Cost You in the Long Run posted at Budget Snob
When is a money saving habit not a good habit? When it actually cost you more money than it saves you.
Jack presents Credit Mistakes that Older Americans are Making posted at Money Saving Ethics
The cost of healthcare is rising, pensions to supplement Social Security have been going away for quite some time, savings are not growing due to lower interest rates and, most significantly, credit debt has seen a huge rise. Here are some of the biggest mistakes that older Americans are making with credit.
Amy presents Are you Throwing Money Away? If You do These 3 Things, Yes posted at Money Mishaps
Science magazine just published a study that found that, if you are poor and also mismanage your money, it is possible that you might be able to make good financial decisions but more than likely you have trapped yourself into a vicious circle and cannot.
Lenny presents Financial Advice that you Shouldn’t follow, as Recommended by Suze Orman posted at Best Money Saving Blog
We put together some financial advice that you actually should not follow based on the words and opinions of one of the most respected financial advisors today, Suze Orman.
Hadley presents Investment Tips to Reduce your Risk posted at Epic Finances
When it comes to investing one of the best ways to make sure that you end up with a solid portfolio that, year after year, increases in value, is to simply keep your risk as low as possible. Here are some tips for how to do that.
Bob presents Avoid these 5 Financial Blunders posted at Dwindling Debt
The ability to retire with very few financial worries is the goal that millions of people working today have set for themselves. Avoid these mistakes that could ruin your financial plans.
Marissa presents Saving Money on Gluten Free Products posted at Finance Triggers
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 presents Why I Spent Twice My Budget on My Car posted at Thirty Six Months
If you have been a reader for a while, you know my insurance woes, and my somewhat questionable driving record. I am not going to dispute that, but I am going to talk about how I ended up spending twice my budget on my car.
Monica presents Do You Make These 9 Budgeting Mistakes? posted at Monica On Money
Do You Make These 9 Budgeting Mistakes? We all make mistakes with our budgets, even those who seem to have it all together financially.
Barbara Friedberg presents 17 Tips For Coping With Money and Life Problems posted at Barbara Friedberg Personal Finance
Money problems? Life problems? Learn actionable solutions to cope with money and life issues.
FI Pilgrim presents How Much Does Your Job Cost You? posted at FI Journey
We usually evaluate our budgets in terms of income and expenses. But how would removing your job costs impact your journey toward FI?
Justin presents One Month Into My Early Retirement Adventure! posted at Root Of Good
Yesterday marked the one month anniversary of my early retirement. Where did the time go? Why did I not accomplish more? It seems like just yesterday I was working, yet it also seems like an eternity ago.
Natalie presents 20 Truths You Learn in your 20s posted at Debt and the Girl
I have been reading a great book called 101 Secrets for your Twenties by Paul Angone. It inspired me to come up with my own list of 20 truths that I find to be true since being in my 20s.
SBB presents The Freelancer’s Budget posted at Simple Budget Blog
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.
MR presents Do I Have Brilliant Ideas on Helping the Econony or No? posted at Money Reasons
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?
Suba presents Money Terms You Need to Know posted at Broke Professionals
Read these critical money terms that you should know to be knowledgeable in the personal financial world.
Tushar presents Saving From a Young Age posted at Start Investing Money
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.
Tushar Mathur presents Three Tips to Save Money on Halloween This Year posted at Everything Finance
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.
Minimalist presents Save Money on Heating This Fall posted at Minimalist Finance
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.
Brent presents 5 Secrets to Breaking Your Bad Financial Habits posted at PersonalFinance-Tips
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.
Corey presents 6 Tips for Recent Grads to be Smarter With Their Money posted at 20s Finances
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.
Luke presents Why The Recent Drop In Interest Rates May Not Be What You Think posted at Learn Bonds
The factors that contributed to Wednesdays drop in Treasury yield may have more to do than just the Fed and quantitative easing.
Cat Alford presents Make Your Home Fancy and Modern On A Budget posted at Budget Blonde
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.
Tushar presents 3 Things You Need to Know About Paying Off Debt posted at Earn More and Save
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.
Maria presents Frugality or folly: home baking posted at The Money Principle
Is home baking frugality or folly? I say that naking your own bread makes you frugal artist; what do you think?
Kyle presents Are You Making This Budgeting Mistake? posted at The Penny Hoarder
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.
Lindy presents When Is The Ideal Time To Buy Gold? posted at Minting Nickels
Gold is often thought of as the ultimate symbol of wealth. People have been chasing it forever, and wars have been fought over it.
Michelle presents The Debt Ceiling Debacle – time to shut the government down but not for the reasons you think! posted at The Shop My Closet Project
It pains me to write this post because it is an admission that the U.S. Democratic process is no longer working not because democracy doesn’t work but because our Congress refuses to work. We the American people have allowed the United States Congress to comport themselves like children.
Don presents 5 Autumn Home Maintenance Tips posted at MoneySmartGuides
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.
Tushar presents 3 Tips To Prepare Your Family For Cost of Aging posted at Finance TUBE
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.
Rich presents What is Debt Ratio? posted at Growing Money Smart
What is Debt Ratio? This post defines the ratio and give a take on what if the ratio is a high number
CAPI presents Staying Safe: The Pros and Cons of Safety Deposit Boxes posted at Creating a Passive Income
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.
Mrs. Accountability presents 6 Common Mistakes to Avoid with Annuities posted at Out of Debt Again
Annuities are one of the most popular investments made by investors under 44 years of age.
SavingMentor presents Know How Much Car Repairs Should Cost posted at How To Save Money
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.
Daisy presents Getting Fit Without Spending a Fortune posted at Suburban Finance
Getting in shape without a gym membership is easy. Save money and slim down with some of our tips.
LaTisha presents How Can I Use Credit Wisely? posted at Young Finances
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.
Jacob presents Tax Season Is Around the Corner: Six Things To Do Today To Prepare posted at AllPersonalFinance
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!
Mike presents Money saving tips for the Laundry posted at Personal Finance Journey
Simple and easy Money Saving tips for the laundry. It doesn’t have to expensive to keep your clothes clean!
IMB presents The Big Question for Investors-Inflation or Deflation posted at Investing Money
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.
Debt Guru presents Security for Less: Cutting Your Car Insurance Costs posted at Debt Free Blog
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.
SFB presents Concerns that Parents should think about before cosigning a Loan posted at Simple Finance Blog
There comes a time in your life when you may be requested to co-sign on a loan.
Ryan presents Income vs Wealth – And What it Means For You posted at Cash Money Life
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.
Hank presents Are You Losing The Financial Game Of Life? posted at Money Q&A
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.
Crystal presents Remembering the Pay Yourself First Rule posted at Married with Debt
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.
Ray presents Addicted to New Phones: How Often Do You Upgrade? posted at Squirrelers
Many people can’t wait to upgrade their phones to the latest and greatest new release. I take a more frugal approach that’s worked well for me, as shared in this post.
Lance presents How We’re Using Credit Cards To Pay For Our Next Cruise posted at Money Life and More
Today I’m stoked because I’ve just been approved for my next sign up bonus credit card.The most exciting part is we’re going to use this card to go on our next Carnival cruise for free! I bet you’re wondering how you can get in on this sweet deal, how it works.
Carrie Smith presents The 4 Most Dangerous Things About Credit Cards (And How to Protect Yourself) posted at ReadyForZero Blog
Credit card debt is tricky beast that poses specific dangers. This post looks at the four most dangerous things about credit cards and how to fight back.
Paul @ The Frugal Toad presents Health Savings Accounts: The Benefits And Possible Retirement Options posted at The Frugal Toad
Have you heard of the health savings account (HSA)? These accounts have been gaining steam as of late and there are a few reasons why. Before I get into why many people have been opening HSAs, let me explain what they are.
John presents A Pumpkin Costs What? 4 Fun and Frugal Fall Activities posted at Frugal Rules
If you’re like our family, we don’t want to spend $150 to get into a park to buy a pumpkin. I share some of our favorite frugal ways to celebrate the season and still have fun in the process.
Pauline presents Side hustle series: How I make money flipping phones posted at Make Money Your Way
This is a guest post from Stephen he will explain how he make money flipping phones.
Pauline presents Is It Nearly Christmas Already? The Smart Guide to Buying Gifts posted at Reach Financial Independence
This is a guest post of Robert from Money Bulldog who talks about how to shop smart for Christmas.
Simon presents Car Finance: A Guide posted at Modest Money
Borrowing money to pay for a new or used car can sound quite daunting, but car finance is designed to make the purchasing process as easy and as manageable as possible by splitting the payments up over 12 months or more. The biggest question when it comes to car finance is: Which finance package is best for me?
Steve presents What You Should Know About Tax Refund Advances posted at 2011 to 2013 Taxes
It can be tempting to ask for tax refund advances. However, it is not necessarily the best approach.
Alexa presents How to Pay Off Payday Loans and Credit Card Debt posted at Defeat Our Debt
It is not uncommon to fall victim to payday loan scams and credit card debt. It is just so easy to swipe a credit card without even blinking. After quite a few swipes you are unable to pay your bills on time.
Connie presents How To Save At Starbucks posted at Savvy With Saving
If I have one vice when it comes to money, it is coffee. While I try to be frugal, I still need my morning cup (or two) of coffee everyday.
Mikey Rox presents 6 Things that You Should Never Buy When Finances Are Tight posted at On Better Terms
There are some things you should cut when finances are tight – yet they are so engrained as a habit that you don’t even notice it as an opportunity to save. Read on what Mikey thinks are the 6 places where you can gain some big wins.
Harry Campbell presents Is Going Green Worth It? posted at Your PF Pro
I’m not sure what’s so attractive about farmer’s markets but I love going just to check out all the cool vendors, sample food and of course I usually end up buying a ton of stuff. Farmer’s markets in my area have evolved from selling just groceries to all different types of products like cheeses, butter, nuts and even restaurants are getting in on the action now.
Harry Campbell presents “Unpaid Vacation vs. Regular Vacation “ posted at The Four Hour Work Day
One of the perks of having a day job is getting paid when you go on vacation. Most companies start employees off by giving them 2 weeks of vacation plus holidays but that never seems to be enough. A lot of employers(especially in my field: engineering) are actually starting to give an extra week around Christmas time to New Years since not much work gets done during that time anyways. So that’s about 3-4 weeks of combined vacation and holidays for the average worker.
Justin @ Root of Good presents A Simple Way to Retire 15 Years Earlier posted at Root of Good
Justin at Root of Good illustrates the huge impact of lower spending and higher savings. By increasing savings from 10% of income to 30% of income, aspiring early retirees can knock 15 years off their retirement date
Photo via Tax Credits