Black Friday – The day everyone tramples each other for quality goods the day after they are thankful for what they already have.  I for one hate lines. I even drive to work thirty minutes early because I don’t like lines of traffic either.  So I turn to online shopping to get my deals and I have been successful so far.  I had to laugh though because when I was trying to buy something from WooThemes and  their site was pretty unstable. Probably due to the 20% off deal they have going on this weekend. The site is up and running up and running now though so you can still make purchases.

I hope everyone has a good weekend and that our American readers have a great Thanksgivings weekend!

PF BLog Love!

Teacher Man @ My University Money writes What if Your Degree Doesn’t Match What You Really Want to Do? – Do you abandon your education in favor of what it is your really want to do, and waste thousands of hours of study and tens of thousands of dollars? Or do you just ignore what it is you really want to do? It’s a tough choice no matter which way you go.

Miss T. @ Prairie Eco Thrifter writes Less Obvious Things You Need to Buy Before Moving Out – When we were all settled in, and the weeks after that, we realized how jaded we were in thinking that rent, groceries and utilities would be all we needed.

David Leonhardt @ Self-Help Happiness Blog writes My best financial tip – Money can’t buy happiness. That’s not my tip – that is just a prelude, and an obvious one at that. Because, although money might not buy happiness, the lack of money has been known to buy misery. This is Financial Literacy Month, and it appears that Canadians need better financial literacy.

John @ Modest Money writes Easy Car Maintenance Tips to Make Your Car Go the Distance – If you’ve ever owned a car, then you have probably spent money repairing it. My cars always seem to break down at the most inopportune moments. By implementing some easy car maintenance tips, you can help further the life of your car and save yourself thousands of dollars in future car repairs.

Ken Faulkenberry @ Arbor Investment Planner writes Preservation of Capital and Asset Allocation Investing – Preservation of capital should be the highest priority goal of asset allocation investing. Of course you must take risk, but here is how to optimize asset allocation.

Jacob @ My Personal Finance Journey @ My Personal Finance Journey writes Financial Habits to Increase Your Financial Security – By changing our wasteful spending habits and adopting some habits that help us control our expenses, we can increase our financial security and hold onto more of our wealth. This post illustrates some of the best financial habits to adopt for a secure financial future.

My Own Advisor @ My Own Advisor writes October 2012 Dividend Income Update – Find out where I’m at on my quest to earn $30,000 per year in tax-free and tax-efficient dividend income.

Vanessa Morely @ The Frugal Toad writes 4 Ways to Cut Costs Not Nutrition at the Grocery Store – It seems as though foods in the grocery store are getting more and more expensive, which makes all those processed and cheap foods look even more appealing. Although processed foods may seem like a better choice than breaking the bank, there are a few things you can do to cut your bill while still avoiding those high sodium, sugar filled, high calorie foods.

Bryan @ writes American Politics, The Fiscal Cliff, QE3 & The Gold Market – Do you know how the “fiscal cliff”, “QE3”, the dollar, and Eurozone crisis might be affecting the equities and commodities markets? Learn about the uncertainty ahead in 2013, as well as safe investment options like gold bullion and silver as hedges against the inflationary effects of the Federal Reserve’s liquidity plan, market volatility and a potential recession.

Glen Craig @ Free From Broke writes What is Glass-Steagall and Why Do WE See it in the News? – Since the financial crisis in 2008 there’s one term you keep hearing pop up: Glass-Steagall. Find out what Glass-Steagall is and why we keep hearing it in the news.

Glen @ Credit Card Smarts writes Discover Open Road Credit Card Review – The Discover Open Road Card offers up additional cashback rewards for those who travel by card often as well as other benefits. See more in our review.

Pauline @ Frugal Rules writes Tips on Learning Languages Frugally – For many learning a second language is something they don’t think they can accomplish. With a little outside of the box thinking you can learn a second language and can often be done very frugally.

Gen Y @ Gen Y Finance Journey writes Where You Buy Matters – Buying a house is one of the biggest decisions you’ll make in your life. If you live in a high cost of living area, consider moving somewhere else with more affordable housing.

Steven @ Grocery Alerts writes Making the Most of the Holidays on a Tight Budget – While every family, budget, and situation is different, I wanted to spend some time today to discuss some frugal gift ideas. Presents that you may be able to give regardless of how little you can allocate towards buying gifts.

Corey @ Steadfast Finances writes 4 Bond Strategies You Can Use To Grow Your Portfolio – Investing in bonds is just one way to diversify your investment portfolio. Bonds are a great investment if you want a regular income stream.

Don @ MoneySmartGuides writes 5 Investing Lessons To Live By – In a previous issue of Kiplinger’s magazine, Kathy Kristof wrote a column that compare’s the lessons learned in the movie Moneyball with investing advice.

Tushar @ Start Investing Money writes Why Do Stock Share Prices Change? – Even if you don’t yet know too much about the stock market, you’ll probably be aware that prices change on a regular basis… Read why!

PITR @ Passive Income To Retire writes Passive Income Challenge Update 1 – Learn more about my multiple streams of passive income and which source of income is the best.

James Petzke @ This Is Common Cents writes Making the College Decision Cost Effectively – You should always look at cost when picking a school.

Jennifer Lynn @ Broke-Ass Mommy writes Busy, Busy With a Focus Group (and a Spattering of Updates) – Read about my recent experiences with a focus group, and my latest updates

Daisy @ Add Vodka writes My Zombie Apocalypse Budget – Three things happened to prompt me to write this post and make an emergency budget should there be a huge emergency, like a zombie apocalypse.

Sustainable PF @ Sustainable Personal Finance writes Want to Avoid a 459% Product Mark Up? Make Your Own Home Made Play-doh – Make your own homemade playdoh, save money (459% mark up on the brand name!) and have more fun.

PPlan @ Provident Plan writes What Will You Do In Retirement? – Have you figured out how much you need in order to retire? Have you adjusted this for how you actually want to retire? Retiring young would require you to start

Mike @ Personal Finance Journey writes 0% Interest – Can I really avoid cutting up my Credit Cards – Do you really need to cut up your credit cards or can a balance be found of wise spending versus interest rates. A great look at 0% offers.

Lance @ Money Life and More writes Be Prepared for Paycheck Shrinkage on January 1, 2013 – Sorry to break the news to all of my American friends but starting January 1, 2013 your paycheck will likely be 2% smaller and that is on the conservative side. It could be even smaller than that! So what am I talking about and why should you care?

Invest It Wisely @ Invest It Wisely writes Our Bid for Financial Freedom by Age 50 – How much we earn from our money will determine how fast it grows. My husband and I have both learned that there are just some things that you can’t control. But it is nice to have a plan anyway.

Shawanda @ You Have More Than You Think writes How Lazy Bastards Make Money Without Lifting a Finger – What happens if you quit your job? It’s not a trick question. Read how to make money without lifting a finger!

Daniel @ Sweating the Big Stuff writes Should You Pay The Nanny Tax? – It’s estimated that 85-90% of people who have household employees do not pay what’s commonly referred to as the nanny tax. But should you pay it?

Jason @ Work Save Live writes Understanding the Basics of Deferred Annuities – What is an Annuity? By definition, an annuity is: A fixed sum of money paid to someone each year, typically for the rest of their life A form of insurance or investment entitling the investor to a series of annual sums.

Jester @ The Ultimate Juggle writes Extra Expenses Around Holidays – Thanksgiving is almost here for all of us who live in the U.S. and while that may mean extra vacation days from work, it also means one of the most expensive times of the year.

CAPI @ Creating a Passive Income writes Job Ready – While this influx of applicants may make things more difficult when you’re hunting for a job, all you need to do is spend a little time making sure you are easy to find on the Internet.

Suba @ Broke Professionals writes Prioritizing Your Holidays: Thanksgiving, Christmas, or New Year’s? – More and more Americans are working in jobs that don’t stop just because of a holiday. Which holidays are your priority when it comes to taking time off?

TDB @ Tax Deduction Blog writes Balancing Retirement and Your Child’s College Tuition – Most people view college tuition as a parent’s responsibility, but its cost continues to rise with no end in sight. For example, the fees and tuition of public schools rose by 8 percent in 2011 alone. Likewise, the cost of living isn’t going down either, so the cost of requirement is rising as well. Together,…

Crystal @ Budgeting in the Fun Stuff writes Cheap and Easy Thanksgiving Sides – Here are my favorite cheap and easy Thanksgiving side dishes and links to the step-by-step recipes!

IMB @ Investing Money writes Diversification: Everything you Need to Know – Find out everything you need to know about investing diversification for your portfolio.

SBB @ Simple Budget Blog writes Budgeting for a Wedding – Find out how to plan for the expenses of a wedding and not let money prevent you from having a great time celebrating your union.

Michelle @ The Shop My Closet Project writes Rediscovering Passion – I am slowly coming out of a pretty long low life cycle that I never thought would end. Now, I’m not sure what to be more alarmed by, the fact that I am getting old enough to have negative or positive life cycles that can last more than 5 years or that it freakin’ lasted 5 years?

Ted Jenkin @ Your Smart Money Moves writes How To Rollover An Old 401(k) Plan – Why do you need to know the details on how to rollover an old 401(k) plan? The average person holds 11 jobs from the age of 18 to 44, according to the Bureau

Passive Income Earner @ The Passive Income Earner writes Top 20 Dividend Stocks – November 2012 – My top 20 stocks according to my screening criteria.

Rich @ Growing Money Smart writes What is Dollar Cost Averaging? – Dollar Cost Averaging is an investment strategy where you are investing static amounts of chunks of money spread out over time (instead of a lump sum purchase) in a given investment.

ETZ25 @ Entertainment Timez writes Blogging Is Hard For Kids But Worth It? – Blogging for kids is hard, but can be a rewarding experience in many way. Read how my son is overcoming some of the previous problems.

Roger the Amateur Financier @ The Amateur Financier writes Six Ways to Support Veterans Throughout the Year – A look at ways to support veterans, not just on Veteran’s Day but also throughout the year, allowing you to improve the life of veterans throughout the year.

Rohit @ The Money Mail writes Get out of debt faster by using balance transfer offers – With the cost of debt so high, it takes forever to pay down debt. Using tools like zero balance transfers, you can save on interest expenses and also repay debt sooner.

Todd @ Financial Mentor writes Retirement Planning Is Dead – Traditional retirement planning has failed. Statistics prove it is an old world model in need of a facelift. If you want to retire with security this alternative…

krantcents @ KrantCents writes How Do You Prepare for the Unexpected? – Are you prepared for the unexpected? This past week saw unusual weather hit the East coast and devastate the Jersey shore. Too many people’s homes and businesses are devastated and will take a long time to rebuild.

Jen @ Master the Art of Saving writes No Mortgage Payments For A Year-Sign Me Up! – Quicken Loans is having an awesome Sweepstakes going on right now. If you win, they’ll pay your mortgage payments for an entire year. How could I not share this? I would love to win this sweepstakes.

Pauline @ Reach Financial Independence writes Preparing financially for a baby – This is a guest post from Glen at Monster Piggy Bank, who is about to be a dad in January, and considering how this will affect his finances

Jon the Saver @ Free Money Wisdom writes Best Alternatives to Credit Cards – Credit cards are dangerous and can get people into serious trouble. Instead of risking it, why not use these alternatives instead and safeguard yourself.

Kanwal @ Simply Investing writes The Dividend Toolkit Review – Matt Alden, and fellow dividend blogger at the Dividend Monk has recently published a great stock analysis guide. I’ve had the opportunity to read the entire guide and apply some of its concepts.

Eddie @ Finance Fox writes Which Type of Mortgage is Right For You? – The most notable types of mortgage available for anyone who wants to buy a home, whether it is for the first, second or even third time are listed here:

MR @ Money Reasons writes Will Google Calendar Save This Blog? – My posting schedule is slipping, can Google Calendar save this blog? Read why I think it can and what my new schedule will be and why!

Kyle @ The Penny Hoarder writes Ways to Save Money on Your Small Business Expenses – If you have a small business, it is almost just as important to minimize expenses, as it is to generate more revenue. If you don’t watch your expenses, you could easily find yourself running a deficit and struggling to maintain your business. Here are some simple tips to save money on your small business expenses.

Ashley @ Money Talks Coaching writes The Failures and Eventual Success of Colonel Sanders – I love hard luck stories turned mega success. We see huge companies that have been there our whole lives and think that they just appeared.

Maria @ The Money Principle writes What Happens After Liquidation – Personal finance focuses on how to make businesses successful; but more than 80% of them fail. Knowing about liquidation and what it means is important.

harry campbell @ Your Personal Finance Pro writes Why I Prefer to Make My Own Black Friday Deals – I’d much rather sit back in the comfort of my own home and shop online. And I say this, living in 60 degree winter weather; I can’t even imagine what it’s like to wait in line at 6 am when it’s literally freezing cold outside. But whether I find a deal on eBay or my favorite retailer Amazon, I can compare prices, use coupons and get free 2 day shipping(thank you prime!) all from the comfort of my reclining couch. This type of shopping might not be appealing to everyone but it defini

Corey @ 20s Finances writes Should You Invest in Bonds? – Bonds are understood to be the middle ground between stocks and cash. Bonds are more volatile than cash, but offer higher returns.

Amanda L Grossman @ Frugal Confessions writes Attacking the Cost of Doing Laundry in Our Household – The two of us generate enough dirty clothes to run two loads of laundry per week (with one-two extra loads per month), or approximately 110 loads per year.

SFB @ Simple Finance Blog writes What Makes a Company Successful? – Every entrepreneur wants his or her company to succeed. Of course, not every startup is going to enjoy the wild success that, say, Amazon, Google or Apple have had.

A Blinkin @ Funancials writes The Middle Class Squeeze – The term “middle-class” originated around 1745 as a social class between nobility and peasantry. Within the confines of Capitalism, somebody that was born with nothing could become something and rival nobles. Speaking more modern, ANYBODY can become SOMEBODY. It doesn’t really matter how you explain it or define it, though.

Kerry @ Frugal City Girl writes The Man vs Food guide to getting shit done – How to achieve difficult goals, with Man vs Food competitive eater Adam Richman as guru.

Richard @ Modest Money writes Great Ideas For Simple Living – In uncertain times many families have been changing the way they manage their finances and lifestyles. The shift to simple living has become more and more popular. Often times it takes a serious crisis to get people to re-evaluate their situation and then change.

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