I’m happy to be hosting the Finance Carnival for Young Adults today! 

Adam @ Money Rebound writes Simple Ways to Save Money – Sometimes it can feel impossible to save even a fraction of your income. But if you take a step back and look at the big picture, you will find that you can always figure out a way to save a few bucks.

Dividend Growth Investor @ Dividend Growth Investor writes Are we in a REIT bubble? – Low rates have made investors hungry for yield. As a result, traditional higher yielding investments such as utilities and real estate investment trusts are getting bid up by investors. If this madness continues, the possibility that many investors will get burned down the road increases exponentially.

Edgar @ Degrees and Debt writes How to Leverage Home Equity for Cash Flow and Investments – How to Leverage Home Equity for Cash Flow and Investments

Lance @ Money Life and More writes Americans Think You Need How Much Money To Get By?!? – Apparently Americans think a family of four NEEDS $58,000 to get by in today’s world and I think that is outrageous. Why? Americans have lost sight of what is a need versus what is a want. Granted, everyone will strive for nicer versions of needs, but those nicer versions are wants.

Green Panda @ Green Panda Treehouse writes How Do You Excel at Your Summer Job? – How to guarantee a call back next summer.

Martin @ Studenomics writes Are You Too Scared to Invest Real Money in Stocks? Try This! – Don’t worry about going broke on stocks!

Roger Wohlner @ The Chicago Financial Planner writes Should You Tap Your 401(k) to Buy Real Estate? – There was a recent article on the CNN/Money website entitled Amateur investors tap 401(k)s to buy homes that discussed an increasing trend of 401(k) investors who tap their accounts to buy houses. The thought process is to take advantage of the hot housing market in some areas on the country with money that would otherwise be locked up in a 401(k) until retirement. Home prices are appreciating in some markets, so what is wrong with this strategy?

Brock Kernin @ Clever Dude writes Clever Dudette’s Frugal Kindle Plan – I got 162 free books….how’d I do it?

krantcents @ KrantCents writes Are You a Genius or a Fool? – “Any intelligent fool can make things bigger and more complex… It takes a touch of genius – and a lot of courage to move in the opposite direction”. (E.F. Schumacher) Do you move with the herd? The real estate bubble and recession wrecked a lot of financial goals and plans.

Tushar @ Finance TUBE writes 3 Painless Ways to be Frugal – Today I will be talking about 3 Painless Ways to be Frugal. Frugality get a bad wrap often because it thinks it gets confused with the miser. There is also the misconception that frugality does not matter. Well rolling income is certainly an important component of becoming wealthy.

Roger the Amateur Financier @ The Amateur Financier writes 5 Truly Unusual Methods of Alternate Income – A guide to five unusual means to earn money, from busking to selling body parts to selling virtual items and otherwise making decent money in crazy ways.

Wayne @ Young Family Finance writes How to Buy the Right Car for Your Family – Looking for a new car? If you have a family, you want to get the right one. Here are tips on buying cars fitting your family’s finances.

CAPI @ Creating a Passive Income writes Dividend Stocks: Why You Should Love Them – Wondering if dividend stocks are for you and your investing? Read here for great tips on why you should love dividend stocks as an investor.

Ryan @ Cash Money Life writes 4 Creative Ways to Be Frugal – You’re accustomed to finding ways to be frugal and save money. But what are some more creative ways to be saving money over the long haul? Here are a few!

Kevin @ Passiveincometoretire writes How to Know if a Loan is Good or Not – CNN.com delivers the latest breaking news and information on the latest top stories, weather, business, entertainment, politics, and more. For in-depth coverage, CNN.com provides special reports, video, audio, photo galleries, and interactive guides.

Michelle @ Making Sense of Cents writes Pursuing What I Love or What Brings in the (Stable) Money – I’m sure that a lot of you can imagine and/or see where my posts have been going lately. Last year I made the post Do You Want To Be Self Employed and I have been thinking about it ever since. It seems like passion has been taking over the personal finance world a lot lately, with Jen, Holly and numerous other wonderful ladies and gentlemen who have decided to strike it out on their own.

Travis Pizel @ Enemy Of Debt writes Who Says You Can’t Rock a Tool Belt with Heels? – Men aren’t the only ones that can be DIY Rock Stars

Robert @ The College Investor writes The Most Important Piece of Financial Advice for College Graduates – Own your finances. Do not let the credit card companies own you. What financial advice for college graduates would you give?

Lauren @ L Bee and the Money Tree writes Buying a Home Is Exhausting – Here are my tips to combat what I call “home search exhausting”, because buying a home is super stressful!

Amanda L Grossman @ Frugal Confessions writes Steps to Start Down the Extreme Early Retirement Path – It is exciting to me that extreme early retirement is not some exclusive club that is unattainable for those of us with moderate incomes.

Daniel @ Sweating the Big Stuff writes Where To Invest Extra Money When The Stock Market Is On A Hot Streak – Since I have a lump sum investing strategy, it’s time to decide where to invest my checking account balance.

Charles Yeaman @ The Tortoise Banker writes Your Home is Not a Good Investment – A quick look at how a profitable home sale may not yield as much as you think! Is a home a good investment? Yes, but is it the best place to put the majority of your resources?

Alexis @ FITnancials writes Buying a Home – Buying a new home or a new-to-you home can be a daunting and stressful journey. But it should be fun also! I am still young and just turned 20 years old, but I live with my sister and she has her own house. She bought her house when she was 20 years old and I have learned a lot about the home buying process from her.

Mr. Frenzy @ Frenzied Finances writes Watching Your Waist and Wallet: Eating Healthy For Cheap – Looking to improve your health and lifestyle, but find good-for-you eating can be pricey? It’s possible! Read here for tips on eating healthy while saving.

Arnel Ariate @ Money Soldiers writes Stock Trading Terminology for Beginners – It’s easier to both discuss and research the market if you’re familiar with stock trading terminology. Here are some basics to get you started on the path to being a seasoned investor.

SFB @ Simple Finance Blog writes How to Find the Best Mortgage – When you are in the market to buy a house, you are sure to get numerous offers for loans. Each of those offers would come with guaranteed low rates and other benefits.

Tushar @ Start Investing Money writes The Importance of Saving for Short Term Goals – We hear a lot about investing for the long term: for events such as our retirement in several decades from now, for example. However, we don’t tend to hear as much about short term investments and yet these can be just as important in many circumstances.

Don @ MoneySmartGuides writes Traveling Abroad: Make Sure You Packed Your Life Insurance! – Unfortunately, there are many policy-holding Americans who leave the country for business, pleasure, or to even live temporarily abroad, who don’t realize the traveling restrictions of their life insurance policy.

Maria @ The Money Principle writes True cost of a mortgage – Have you just found the house of your dreams? Just make sure you don’t over-stretch on the mortgage.

Kyle @ The Penny Hoarder writes How To Choose Your Home Loan – Buying your first home is a tremendous step forward in life, one that signals the start of a new chapter that involves greater responsibilities. In many scenarios, the purchasing of a house can correspond with a major life event, such as marriage.

Invest It Wisely @ Invest It Wisely writes 5 Fees You Should Never Ever Pay – These 5 fees that no one should pay result from being careless, disorganized, impulsive or distracted.

Tony @ We Only Do This Once writes Resolve to Declutter – Spring is the perfect time to declutter. The effects are so immediately apparent, they’ll give you a sense of accomplishment — a perfect way to go about tackling more challenging goals.

Steve DiGioia @ Customer Service Stories writes What is The Proper Amount to Tips a Waiter? – This is a question that is asked all too often, “How much are we supposed to tip the waiter?” Well it depends. It depends on: Did the waiter greet you with a warm sincere smile? Did the waiter make you feel welcome? Did the waiter…

Jacob @ AllPersonalFinance writes 5 Characteristics of Successful Traders – Many people have different ideas about what makes someone good at trading stocks. It’s a stressful job, full of risk and strategy, and saying 10 percent of traders make a profit would be a generous estimate.

Suba @ Broke Professionals writes 3 Things You Must Do Before Traveling Abroad – Traveling abroad is far more complicated than staying closer to home. Here are the three calls you’ve got to make before heading overseas!

Hank @ Money Q&A writes Are Your Budget Assumptions Throwing Off Your Family Finances? – You need a budget, but you need an accurate budget. Budgets are built on both facts and assumptions. Are your budget assumptions throwing off your family’s finances?

MMD @ My Money Design writes A Financial Plan Sample – How Should I Budget My Money? – Want some hard numbers to strive for? Here is my financial plan sample that gives you some figures to work into your budget.

Abbie @ Finance Junkie writes Save On Beauty wtih Home Made Products – For those of us who love a spot of pampering but hate the cost- here are several tips to still keep us looking fabulous but for much less!

Kevin @ 20smoney.com writes Pell Grants for College – The application for Pell Grants is easier to do in the 2013 season than ever before.

Ted Jenkin @ Your Smart Money Moves writes Will You Lose Your Home Mortgage Deduction In 2013? – One of the main questions taxpayers will face this this year is whether or not their home mortgage deduction will be phased out.

Evan @ My Journey to Millions writes Completed My First Short Term Financial Goals and My New Set of Short Term Financial Goals – Since selling my first home and moving into my second earlier this year I had noticed that I haven’t been as focused when it came to goals regarding my finances, so I knew I had to come up with a plan. The idea, while not perfect, was to create short-term financial goals that would keep my attention (a hard task) and excite me to allocate funds. Here’s what I accomplished and my new set of goals:

Matt @ Living in Financial Excellence writes Time Management Challenge: Full-Time School & Full-Time Work – A while back I decided to take advantage of some GI Bill benefits that were still available to me. I returned to school to pursue a Master of Business Administration (MBA) degree. The good news is I’ll graduate without needing any loans. The bad news is in order to receive my full GI Bill benefits, I have to attend classes at least half time. That sounded a lot easier before I started classes.

Tushar @ Earn More and Save writes Patience: A Financial Virtue – Time is money. That’s certainly true, and when people want to save or make money, normally they want instant results and, not only that, but also the best ones. This impatience, however, has the opposite effect, putting them more out of pocket than in the money. Slow and steady wins the race.

Bob B. @ Cubicle Sherpa | Career and Lifestyle Advice for Young Professionals writes A (cautionary) tale of boat ownership – The story of how I made a huge financial mistake in my early twenties. I bought a boat that was way more than I could afford and lost my shirt. Moral of the story: Live within your means/Don’t buy fancy toys that you can’t afford.

Steven @ MyDividendStocks writes Protect Yourself Against Inflation Eating Returns – The word “inflation” can be a scary word for many people especially those that are already retired. However, it should be a word to keep in mind when protecting your investments. Basically the term inflation refers to the price increase for goods and services used by consumers. In the U.S. we measure inflation according to the National Consumer Price Index.

Ray @ Squirrelers writes Making Money Flipping – It’s possible to quickly buy low and sell high, making money flipping.

A Blinkin @ Funancials writes There’s A Difference Between Investing and Speculating! – The stock market has been on an ABSOLUTE tear this year. If you live in Japan, you have seen the Nikkei index rise close to 40% year-to-date. According to my readers’ demographics, no one in Japan even knows I exist so I’m not sure why I’m quoting the Nikkei.

Kanwal @ Simply Investing writes What is The Best Way to Build Your Wealth? – The secret to building your wealth over time is simple, buy revenue generating assets. Your home, car, boat, furniture, or gadgets are not revenue generating assets. In fact these types of assets actually cost you money to own, think about your maintenance costs, insurance costs, and operating costs for each of these items.

IMB @ Investing Money writes Is Tesla Motors Another Apple or Google? – Let’s talk cars! We know you love ‘em. Today we want to look at Tesla Motors, the custom electric car company and its 10-year struggle to profitability.

Mike @ Personal Finance Journey writes Are you chasing the coupon dream? – Do you spend time saving money with coupons and is it worth your time. How your coupon spending can benefit others and your family.

Jon Haver @ Pay My Student Loans writes 3 Ways to Build Your Credit – Building your credit and having a high FICO score is a way to let lenders know that you can responsibly handle debt repayment. If you have no credit history, you have to build one for the sole purpose of proving that you are worthy of receiving credit from various lending institutions.

Little House @ Little House in the Valley writes Financial Planning Tips for Nannies – Nannies face some unique financial issues, issues that must be considered when they’re thinking of how to care for their financial health. As you navigate your finances, here are some things to consider that will help you stay on the right track.

Matt Becker @ Mom and Dad Money writes Investing in the Stock Market Doesn’t Have to be Hard – Investing can be as simple or complex as you want it to be. The real catch is that the simple approach is often the best.

John @ Card Hub writes Why Should You Care About Your Credit Standing? To Get a Job, For One Thing – While everyone is probably more concerned with whipping their bodies into shape for beach season, it’s important to not forget about our credit scores as well. In addition to the interest rates you’ll get on loans and lines of credit, your credit impacts the insurance premiums you pay, your ability to lease a car or rent an apartment, and even the jobs for which you’ll gain serious consideration.

Grayson @ Debt RoundUp writes When Passion Turns Into Work – There have been quite a few bloggers jump ship into self-employment these days and I think it is awesome. The one question I have is what happens when your passion just turns into work? Do you plan for it or do you diversify your work to keep it interesting?

Adam @ Money Bulldog writes Want to start a business? Just Do It! – Starting a business can be daunting and many things can put you off. Often the best and only way to start a business is to Just Do It!

Ashley @ The Frugal Model writes Want to be successful? Why you need to surround yourself with successful people – If you want to be successful, a key tool is to surround yourself with highly motivated, passionate and successful peers. Here’s why this is so effective and how to shift your social surroundings.

Ross @ Wallet Hub writes How to build equity? – Equity simply means how much you own of a piece of property. The rate at which you build equity obviously depends on how quickly you pay down your loan. But there are a number of other ways you can increase your equity.

Crystal @ Married (with Debt) writes We Sold Our House – If you’ve been following along, you know we’ve been trying to sell our house. Shortly after my last post, we got an offer. This was about 60 days after listing.

Lynn @ Wallet Blog writes Just in time for 5/29: 529 College Savings Plans – During the past 10 years, the cost of tuition and room and board at 4-year public universities has risen by nearly 49%. To offset this sticker shock, simple investments specifically designated for college planning are a good way to go.

Nick @ A Young Pro writes How to Interview: Tips from a Young Professional – Are you getting interviews but can’t get a job? Learn how to interview better with these interview tips. Match your effort with your knowledge to get a job!

SBB @ Simple Budget Blog writes Budgeting in Your Summer Fun – Looking for some summer fun, but unsure of how you’ll pay for it all? Here’s some tips on how to plan your finances during the busiest season of the year.

Melissa @ Minting Nickels writes How to Climb to the Top of Corporate America – f you’re currently in college, now is the perfect time to start thinking about your career in the corporate world. If you’re anything like me, you assume that because you have a 3.8 GPA there will be masses of companies lining up to hire you. Let me tell you right now, this is not the case.

Penny Thots @ Penny Thots writes How Safe Is Online Banking? – Since there is no fool-proof way to avoid having your money taken from an online bank, you will want to be certain to take the basic precautions so that the rogue individual will have a more difficult time trying to access your accounts. Here are three tips:

Debt Guru @ Debt Free Blog writes Watch Your Wallet: How to Track Your Spending – In order to keep your finances in check, it helps to track your spending. Having trouble with this? Read here for helpful tips on tracking your spending.

Fern Bricker @ The Skilled Investor Blog writes Avoid High Turnover Mutual Funds and Active ETF Trading – Higher turnover indicates the usually futile pursuit of better short-term returns. However, the higher costs of these strategies tend to overwhelm any performance improvement.

Miss T. @ Prairie Eco Thrifter writes The Greener Option That Saves You Money: Paper Towels Vs. Rags – You need to continually buy paper towels if they are your cleaning cloth of choice, so they do represent an on-going expense. Have you ever stopped to think if the convenience is worth the cost?

Crystal @ Budgeting in the Fun Stuff writes Ways to Give When You Don’t have Much Money to Spare – The end of the year is a wonderful time to donate. But what about the rest of the year, during times when there are no natural disasters to rally our wallets?

Corey @ 20s Finances writes Real Estate Investing: Single Family Unit vs. Multi-Unit – If you’ve read any piece of financial news lately, you’d know that American real estate is back on an upward trajectory. Last month it was reported that single family homes in the United States had increased in price at the fastest pace since 2006. This trend looks sustained.

Brent @ PersonalFinance-Tips writes Financial Management Tips for First Time Home Buyers – Purchasing any sort of real estate can be a stressful time, especially if you’ve never done it before. Thanks to the high pressure and large amounts of money involved, it is important to manage your finances in the right manner, ensuring that you don’t end up wasting your cash and inconveniencing yourself in the future.

Luke @ Learn Bonds writes Raining Dividends, Income Snowballs – Here’s what you need to know.

Sam @ Simplefinancialfreedom writes Tips for Finding a Fixer Upper Home – Many people are looking for a fixer upper home to invest in. This can be a great investment if the right home is found and is done properly.

Minimalist @ Minimalist Finance writes Should You Take a Second Job? – Should You Take a Second Job? has been published on Minimalist FinanceFinancial stress and the inability to get ahead is a common issue in American households. With costly financial responsibilities such as child care, transportation, food, and housing, life tends to get less and less affordable as life progresses.

Investor Junkie @ Investor Junkie writes tradeMONSTER Promotion – tradeMONSTER currently has three signup promotions. If you currently aren’t a customer or are unsatisfied with your existing discount stock broker, now might be the time to switch.

Kyle @ My University Money writes The Canada Learning Bond and How to Get It – If you’re already in school it might be too late to benefit a whole lot from the Canada Learning Bond, but it’s not too late for other young Canadians that you might know.

Kyle @ My University Money writes The Canada Learning Bond and How to Get It – If you’re already in school it might be too late to benefit a whole lot from the Canada Learning Bond, but it’s not too late for other young Canadians that you might know.

Sean @ One Smart Dollar writes Refinancing a Rental Home – Refinancing a rental home is not as easy as it might sound. Let me tell you about the obstacles that might stand in your way.

Miranda Marquit @ ReadyForZero Blog writes Pros and Cons of Consolidating Student Loans – Are you confused about whether or not you should consolidate your student loans? Check out this post for the pros and cons of consolidation so you can make the choice that makes the most sense for you.

John S @ Frugal Rules writes Did Your Degree Come With a Course in Student Loans? – Many students are graduating with a lot of student loan debt yet have no literacy in regards to how to manage paying them off. With some education and training students may be able to make more informed decisions as well as help get them started in life and investing for the long term.

Jon @ Novel Investor writes ETFs For Rising Interest Rates – The recent Fed hints at ending QE means rising interest rates. Here are several ETFs to protect yourself and invest in as interest rates rise.

Stefan Njomo @ Rate of Return Finance Journal writes How The Economy Affects The Stock Market -

Mr.CBB @ Canadian Budget Binder writes Buy or Sell First: One Home, One House, Two Mortgages and A Pool – If you are hoping to sell your house and buy a new home you might want to do your research first so you are an informed homeowner. Don’t make the same mistakes as this couple who are stuck with a house, a home, a pool and 2 mortgages.

Abbie @ Finance Junkie writes Keeping Down The Cost Of Your Car Insurance – It is hard to keep on top of finances when the cost of living is on a constant rise, if you are looking to reduce your budget allowance try starting with car insurance, after all it is quite a big lump out of your monthly outgoings!

Gary @ Gajizmo.com writes Summer Jobs For College Students – Summer is here and college students may be worried that the economy won’t permit them to get jobs this summer. Fortunately, more than 19 million youths got summer jobs last year, and here is a great list of jobs for college students.

Jules Wilson @ Fat Guy,Skinny Wallet writes Making Our House Our Home – My husband and I bought our house a year and a half ago. We are finally making some changes!

Jules Wilson @ Faithful With a Few writes Dealing With Financial Stress Is Driving Us To Get Out Of Debt! – Dealing with financial stress can really cause a mountain of problems. A lot of things have been going on with us recently, and our finances almost came crashing down because of it!

Jason Hull @ Hull Financial Planning writes About to Go Shopping? Gargle First! – How gargling can help you from overspending when you shop

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes How to Save Money When Hosting a Barbecue – This post shares 5 ways that folks can save money when preparing for and executing a home barbecue.