Howdy! Welcome to the 418th edition of the Carnival of Personal Finance!
This summer, our vacation time is going to be spent in several state parks. What a better way to save some money!
So, I thought I would share with you some great photos from some state parks across the US while you enjoy this weeks great article. Be sure to click on the picture if you want to visit the park. It’s linked to the official website. Have a great week!
My Top Picks
Rob Berger from Dough Roller presents 7 Ways to Save Money at Warehouse Clubs, and says, “Think saving money is automatic at warehouse clubs like Costco and Sam’s? Think again. Here are 7 tips to make your money go further when shopping at these stores.”
SB from One Cent at a Time presents Why Do Personal Budgets Often Fail?, and says, “Typical reasons why budgets don’t work for many people – including unrealistic expectations, tracking, frustration, using the wrong tools, and not having enough wiggle room.”
The Best of The Rest
Kacie from Sense to Save presents Living on Last Month’s Income, and says, “I hated the bi-weekly pay cycle, so now we’re a month ahead on our expenses and paying ourselves once per month. Break the living paycheck-to-paycheck cycle and get a month ahead on your expenses!”
Ray from Squirrelers presents Should I Use a Credit Card or a Debit Card?, and says, “When shopping, we may be asked a question along the lines of “will that be credit or debit?” In those instances, it’s important to have a plan on how to handle the transaction, and this entails understanding some basics of credit and debit cards.”
Dividend Growth Stocks presents 8 Higher-Yielding Financial Services Stocks With Rising Dividends, and says, “The Financial Services Sector includes insurance companies, banks, brokerages, mutual funds and other similar companies. Before the 2008-09 financial services meltdown, these stocks were the cornerstone on many income portfolios. The companies were flush with cash, their stocks provided relatively high yields, good dividend growth rates and carried very little perceived risk…”
Big Cajun Man from The Canadian Personal Finance Blog presents Never Buy a Car at Night, and says, “Too many folk make snap decisions late in the day, that they end up regretting later. “All the girls look prettier at closing time”.”
Darwin from Darwin’s Money presents 6 Scientifically Proven Ways to Increase Your Tips as a Server – See more at: http://www.darwinsmoney.com/#sthash.6FR0XSZT.dpuf, and says, “Blondes make more – so says the data. But here are several other tips and tricks guaranteed to increase your earnings as a server based on years of research!”
Money Beagle presents Coupon Policies Are Not Always Enforced, and says, “Don’t always believe the fine print.”
Jon from Novel Investor presents Digging Into The Stock Buybacks Vs Dividends Debate, and says, “Every investor has an opinion about stock buybacks vs dividends. At the heart of this debate is earnings or the best use of earnings for the shareholder.”
Liana from Card Hub Blog presents Q1 2013 Credit Card Debt Study, and says, “The $32.5 billion in existing credit card debt that U.S. consumers paid off during the first quarter of 2013 represents the smallest first quarter pay down in the past 4 years. This and other interesting quarterly statistics found here.”
Lynn from Wallet Blog presents Fire Your Lawn Service & Save Some Money This Summer, and says, “It’s summer! If you’re thinking of dumping your lawn service and pocketing the difference, here are some tips for maintaining your own yard without breaking the bank.”
Miss T. from Prairie Eco Thrifter presents Relocating? Here’s How to Reduce Moving Costs, and says, “If you are looking for ways to reduce moving costs next time you have to move or relocate, I suggest you investigate every option available to you. By loading and unloading a trailer that someone else drove for you, you could save a lot of money over full-service and DIY moves. I know that’s how I will be doing my next move!”
Gary from Gajizmo presents Where Should I Live?, and says, “Deciding where to live is one of the most important decisions that will affect many aspects of your lifestyle and finances. Here is a list of factors to keep in mind when choosing the city and state you want to live in.”
PK from Don’t Quit Your Day Job presents How Did Your Stock Investments Go Last Year?, and says, “I like to audit my results yearly to see if it’s worth me spending time to come up with individual investments. The last 13 months? I lost to the S&P 500!”
Jason Hull from Hull Financial Planning presents If You Abandon Your Portfolio, Will It Abandon You?, and says, “Americans lost over $200 billion in net worth fleeing the markets in 2008. Here’s how to stop yourself from engaging in herd behavior in your investing.”
Nicole from Nicole and Maggie: Grumpy Rumblings presents What is the Purpose of Medical Insurance?, and says, “Nicole and Maggie explain the purpose of medical insurance.”
Jacob from My Personal Finance Journey presents What Would It Take To Get Rid of Money?, and says, “This post asks and answers the hypothetical question: “What would it possibly take to get rid of and/or make money obsolete in the world?”"
Michael Kitces from Nerd’s Eye View presents How Coming Health Insurance Exchanges Will Drastically Impact Career And Retirement Decisions, and says, “In just a few months, deciding where to work will no longer need to be tied to the availability of health insurance, freeing people to make job changes, start new businesses, or simply retire before age 65 Medicare eligibility, without worrying about how they’ll get access to health insurance. How many would still be working where they are today if health insurance availability was guaranteed regardless of where (or whether) they worked?”
Kristen from My Dollar Plan presents 15 Inexpensive Wedding Ideas, and says, “Going into debt for a wedding and having bills pile up is also the worst way to start a marriage so make sure you read this if you’re planning a wedding!”
Mrs PoP from Planting Our Pennies presents He Said She Said: On Superstores, and says, “Mr and Mrs PoP debate the relative merit of superstores, and Target in particular.”
Pete from Intelligent Speculator presents Should The Government Force Us To Save Money?, and says, “Can the government do this? Should they?”
The Dividend Guy Blog presents 6 Dividend Stocks to Buy in Order to Profit from the Stock Squeeze, and says, “Stocks that you need to get your hands on.”
Green Panda Treehouse presents Is Watching TV a Waste of Time or Productive?, and says, “Do you feel guilty about watching tv?”
Martin from Studenomics presents Should You Enjoy Your Job in Your 20s?, and says, “Following your passions is common advice, but should you like your job?”
Mike from The Financial Blogger presents How You Can Fix Your Spending in 7 Days, and says, “We show you how to solve your financial issues right now.”