If you are in your young adult years and just starting to realize why your parents kept telling you when you were growing up that they didn’t have enough money for this or that, you’ll want to check out this week’s Carnival of Personal Finance hosted by Broke Grad Student.

While this carnival is aimed at a general audience with blog articles on all things relating to personal finance, BGS, as this week’s editor, has dubbed the Feb. 24 showcase as the “college years edition.” Many of this week’s articles are aimed at finances for 20-somethings while they are in college or just starting in the workforce. But it’s never too late for the rest of us to learn something new about money.

Here are a few articles that Monroe on a Budget readers will be interested in, but do click over to the entire showcase:

• Pinching Copper presents Five tips to start saving money right now: “It only takes a few dollars each week in coupon savings to save more than $500 a year. When you think of all the coupons that go beyond groceries (such as pizza delivery, oil changes, haircuts, etc.) it should be easy to save much more than this with little time or effort.”
• Living Almost Large presents Inadequate savings in your 20s?: “I think the problem is that in your 20s you have so many pots of money to fund and not enough income to fund them all. You can only pick and chose what is most important. And as your income grows, as ours has, you can start to have more pots.”
• 2million’s Personal Finance Blog presents Housing costs are our biggest obstacle to financial freedom: “We can’t simply find what we are looking for in the price range we are thinking we want to spend. I think some tough choices lie ahead for us as we have to consider the tradeoffs of getting what we want in our home or meeting our financial objectives.”
• Money Crashers presents The importance of renter’s insurance and why you need it: “College students, if your parents carry a homeowner’s policy, there is sometimes coverage for dependents’ personal property that are away at college, but there are tons of conditions and exclusions that limit this coverage.”
• Monroe on a Budget presents The credit report jingle – and car buying reality: “While I applaud the message to young adults that bad credit is a bad thing, there’s another piece to the financial puzzle. It’s called debt-to-income ratio. And when I was 23 years old, I faced that reality when I went through the car-buying process for the first time.”