Tuesday, March 31st, 2009
One of my side gigs is managing the day to day reality of the Festival of Frugality for the esteemed Jim at Bargaineering. (I also write a semi-weekly column about finances at family directly at Bargaineering if you ever find yourself there .) This week, as far as I can tell the host got confused and didn’t realize today was in fact the 31st of March and the posting date for the festival. By the time you read this, it’ll be the 1st of April, but no fooling, I am last minute publishing the festival myself. All part of a hard evening’s work.
I’ve read all the submissions, cut a ton, and picked a few as my editor’s picks – forgive me that I didn’t alter the standard formatting at this late date. Read the editor’s picks (especially my first pick if you have kids, like kids, or were once a kid ) and others that made the cut and enjoy! Find fun in frugality today!
The Editor’s Picks:
MY VERY FAVORITE article of the whole carnival, honestly, it made me cry (because I could totally relate to it) :
More editor’s picks:
- The Dough Roller presents Debt Cures by Kevin Trudeau–Do his “secrets” really work? posted at The Dough Roller.
- Megan presents Budget Justifications posted at Counting My Pennies.
- vh presents Is it time to punt? posted at Funny about Money.
- mfd presents A Story About A Man And His GE Washing Machine posted at My Findependence Day.
- Nancy Muller presents Gardeners: What To Plant Now — Very Comprehensive posted at Recession Depression Therapy.
- Nate Desmond presents 7 Ways to Save Money on College Transportation posted at Clever Dude.
- Matt presents Frugality Based Hyperopia: What Purchases Do You Make to Avoid Saver’s Remorse posted at Steadfast Finances.
- Aryn presents How to Set Up a Tool Sharing Database posted at Sound Money Matters.
Other submissions to make the cut (in order of submission) :
- Insurance Toolbox presents Five Ways to Get Cheap and Free Microsoft Software posted at Fine-Tuned Finances.
- RB presents Reduce Spending by Thinking Creatively posted at Recessions Blow.
- FIRE Getters presents FREE TaxACT Software Download posted at FIRE Finance.
- ishanbansal presents How to Save Money on Prescription Drugs posted at Save Few Bucks.
- Catherine presents The Gift of What We Already Have posted at Frugal Homemaker Plus, saying, “Thanks! ”
- Michael Haltman presents Pop The Economic Pimple While The Cancer Runs Wild posted at The Political and Financial Markets Commentator.
- Investing School presents Realized and Unrealized Gains and Losses posted at Investing School.
- Manshu presents Greater Fool Theory and Keynes Beauty Contest posted at OneMint.
- Steve Patterson presents Ten Tips To Deducting Charitable Gifts posted at 2008 Taxes.
- JC presents Saving Money on Food in College posted at 6Bubbles – Grad School, Money, Life.
- FMF presents Free Money Finance: Not Really Another Post about How You Should Move to Save Money posted at Free Money Finance.
- Bank Champ presents High Yield Reward Checking Accounts posted at Bank Champ.
- PFCreditCards presents Lower Your Monthly Subscriptions Cost by Calling posted at PF Credit Cards.
- J. Savings presents Can’t use a competitor’s coupon? (Don’t tell my mom.) posted at Budgets are Sexy.
- Jeff Rose presents What To Do With Tax Refund Check? posted at Jeff Rose.
- retirehappy presents Earning $20,000 Equals Half Million Dollar Nest Egg posted at My Retirement Blog.
- Darwin presents Is it Ethical to Re-Lock your Mortgage Deal when Rates Drop? posted at Darwin’s Finance.
- b.p. presents Are you above the golden arches? posted at www.OneChanceToLive.com.
- FruGal presents The credit crunch is good for your sex life posted at FruGal.
- MoneyNing presents Inheriting Generations of Frugal Living posted at Money Ning.
- Bohden James presents 8 Easy Ways To Save Money Right Now posted at Easy Ways To Save Money.
- Kris presents Information Central: 32 Free Food Charts, Checklists, and Wallet-Sized Guides posted at Cheap Healthy Good.
- jim presents I Finally See Value in Entertainment Books posted at Blueprint for Financial Prosperity.
- asgreen presents Frugal vs. Cheap posted at Always the Planner….
- Baker presents Sleeve Your Credit Cards To Lower Impulse Spending posted at Man Vs. Debt.
- Wren Caulfield presents The Save Big Secret, Part Two posted at True Adventures in Money Hacking.
- ChristianPF presents Where should you open an online bank account? posted at Money in the Bible | Christian Personal Finance Blog.
- Peter presents Tip: The Credit Card Companies Are Not Your Friend, They Just Want Your Money posted at Bible Money Matters.
- Steve Faber presents Cheap Car Insurance for a Young Driver – How to Get It posted at Cheap Car Insurance.
- Tracey presents Saving Money by Packing Lunches posted at GIRLS TO GROW.
- apply4-credit presents Frequent Flyer Credit Cards and their Benefits posted at Apply4-Credit.
- Astrid Lee presents Earth Day 2009 posted at World Healing.
- Erika presents Dominican Republic Travel Guide posted at Visiting Spanish Speaking Countries.
- Stephanie presents Milk Crate Storage posted at Make It From Scratch.
- Wojciech Kulicki presents Ten Reasons Why Budgets Fail posted at Fiscal Fizzle.
- Jeff – StretchyDollar presents Vegetables and Savings – Two Kinds of Green posted at StretchyDollar.
- presents Bath Salts How To posted at Home Life Weekly.
- studenomist presents So You Need Capital For That New Business? posted at studenomics.com.
- Dave presents How Do You Frugal? | Do You Dave Ramsey? posted at Do You Dave Ramsey?.
- Shaun Connell presents 5 Financial Tips for Right Now posted at Financial Planning.
- Stephanie presents Learning to Love Generics posted at Poorer Than You.
- Kristia presents Sunny days are here again…get that laundry outside. posted at Family Balance Sheet.
- Silicon Valley Blogger presents Reality Show Casting Call For Wife Swap, Want To Earn $20,000? posted at The Digerati Life.
- Matthew Paulson presents What a Difference Control Makes posted at American Consumer News.
- Livingalmostlarge presents Is it a necessity? posted at LivingAlmostLarge.
- The Smarter Wallet presents The Best Ways To Spend Your Money posted at The Smarter Wallet, saying, “Thanks!”
- Brian McKay presents Is Your Certificate of Deposit Safe? posted at MonitorBankRates.com.
- Madison presents Make Working Pay Tax Credit Hits Paychecks Soon posted at My Dollar Plan.
- RC presents Looking For a Cheaper Alternative and Deciding To Do It Yourself posted at Think Your Way to Wealth.
- Lisa Spinelli presents Buried in Clutter? Get Organized. posted at Greener Pastures: Personal Finance, saying, “Clutter costs you time and money. Oh, and did I mention peace of mind?”
- Heidi presents Ten Money Saving Tips for Gardeners! posted at Little People Wealth.
- Sun presents Can You Get a Better Rate at MoneyAisle? posted at The Sun’s Financial Diary.
- Kate Kashman presents Laundry on the Cheap – The Paycheck Chronicles posted at The Paycheck Chronicles.
- Credit Shout presents Best Buy Credit Card Review posted at CreditShout.
- Elizabeth Goldstein (Modern Gal) presents Saving on Medical Costs posted at Modern Gal.
- nickel presents How to Save Money on Health Insurance posted at fivecentnickel.com.
- Credit Card Addict presents American Express Offering Double Membership Rewards Points posted at CreditAddict.
- marjorie presents What Should We Do With This Year’s Tax Refund? posted at Wealth Junkies.
- TStrump presents Saving Money with Food Coops posted at The Strump – Financial Blog.
- RateNerd presents How To Build A $10,000 CD Ladder posted at Rate Nerd.
- Mr Credit Card presents American Express Platinum Card Review posted at Ask Mr Credit Card.
- My Cool Mommy presents 10 Cool Sites To Help You Save Money posted at MyCoolMommy.
- kathryn presents Budget Money with Irregular Paychecks posted at Out of Debt Christian.
- Homemaker Barbi (Danelle Ice) presents Are Frugal Sacrifices Worthwhile? posted at Homemaker Barbi.
- Nora Dunn presents Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily | Wise Bread posted at Wise Bread.
- Joseph presents Free Grocery Coupons posted at Penny Pinching.
- Jenn @ Frugal Upstate presents Frugal Upstate: Frugal Bridal Shower Favor posted at Frugal Upstate.
- Talia presents Recession Party posted at backtobasics-talia.com.
- Olivia presents Funding Your Children’s College Education While Still Teaching Financial Responsibility posted at IndependentBeginnings.com.
WHEW! Enjoy! Thanks for reading to the end.
Sunday, October 5th, 2008
Not anything that’s been going on in the news, just that our Sunday newspaper subscription started today. Hurrah! The paper was waiting on my porch for me this morning. Not any hugely interesting (to me) coupons this week, but that was okay. The paper also had a number of circulars I have never seen in the version I buy in the store – I don’t know if this is a special circular week or if there are stores that just put their circulars in the subscription version. None of them were stores I shop at or anything but it was just interesting to me.
While I peruse my Sunday paper and make plans for my grocery shopping this week, check out these interesting posts from around the personal finance blogosphere this week:
- No Credit Needed: How I Live Without Borrowing Money
- Cash Money Life: The 2008 Financial Crisis – Causes and Effects
- Being Frugal: Before You Sign That Rental Agreement
- Gather Little By Little: Real Estate Investing 101
- Moolanomy: How To Save Your Home From Foreclosure
- My Two Dollars: A New Economic Agenda I Can 99% Agree With
- Quest For Four Pillars: Buy Low Sell High
- Dough Roller: Emergency Economic Stabilization Act Of 2008
- Frugal Hacks: Cheerful Frugality Faces Financial Meltdown
And I did manage to submit to three carnivals this past week:
- The Carnival of Personal Finance was at DebtKid, where I was an editor’s pick. Thanks DebtKid!
- The Carnival of Debt Reduction was at On A Quest To Be Debt Free
- The Festival of Frugality was at Value for Your Life.
I need to get organized and beat the 5pm deadline to submit again this week! Have a nice Sunday!
Wednesday, July 30th, 2008
For those who aren’t aware, I handle the administrative end of the Festival of Frugality for festival owner Jim at Blueprint for Financial Prosperity. Generally, I write frugal tips on the homepage, do roundups, talk to hosts, stuff like that. Some of you may have noticed my tagline on the frugal tips as of late. Anyhow, I don’t usually put a roundup of the festival here unless I participated, but this week there was a bit of a host mixup, and Student Scrooge stepped in at the last minute (literally) to host it yesterday. I want to thank him for doing so and invite you all to check out his fine frugal festival on very short notice! Here are his editor’s picks:
- Almost Frugal : the ABCs of Frugality: 26 Key Frugal Concepts.
- Gather Little by Little : 100+ MPG on a Scooter.
- Monroe on a Budget: Back-to-school peer-pressure issue
- Saving Advice : 15 Everyday habits that save money.
Check out the entire festival and thanks again to Student Scrooge!
Sunday, July 20th, 2008
I never expected a post about drinking tap water vs filtered water to garner so much discussion and so many comments, but it did and I am very happy about it. It seems there is a wide variety of experiences out there, from tap only to bottled only and everything inbetween. I don’t live in the same place that I grew up, so it could be that I just don’t like something about the tap water here vs where I was a kid, or it could be that I have acquired a taste for filtered water as an adult. I definately like water cold better than warm (always have) and I have tried chilling the tap water straight and still not liked it, but who knows. I still have a number of filters left, so we’ll see what happens when the run out.
As for the refund of premium rider on the long term disability insurance, we’ve decided against it. Thanks for all the responses reinforcing my gut feeling that it was a bad idea. It was one of those things that I felt in my gut was not a good thing but my head kept looking at the numbers and wondering if I was being too conservative. However, I don’t agree with the comments that the market is a good comparison – a 5 year period, to me, isn’t a place I would expect a 8% return. For example, my spouse has had his current 401K for almost exactly 5 years now. We got his most recent statement in the mail this week, and it says over the entire period of his ownership, he’s had a 2.45% return. I know over a long horizon it’ll be better but my point is, over a 5 year period alone the market isn’t, for me, a great risk. I’ll stick to savings accounts for short term gains.
With that, I was in a number of carnivals last week and I hadn’t yet done a roundup of them, so that’s what I’m doing today. I’ve kind of gotten out of the habit of contributing to carnivals, so although I met the halfway mark of having 25 editors picks in (less than) 26 weeks, I really haven’t been contributing to carnivals at all lately so reaching 50 by the end of the year probably won’t happen unless I go back to entering my posts in them. As my time has become more constrained by my children and my many projects, some things have fallen by the wayside. We’ll see what happens when summer is over and my son goes back to school. Here are the carnivals I was in and my posts that were recognized, as well as a post I especially liked from each carnival:
The Carnival of Debt Reduction was at Help My Cash Grow and my post Using Language As Motivation was an editor’s pick! Thanks to the host and here is a post I particularly liked was a question from a Frugal Dad reader: Help! My minimum Payments Aren’t Making a Dent! Help someone get out of credit card debt by contributing your own tip.
The Carnival of Personal Finance was at Mighty Bargain Hunter and included my post about first steps for Long Term Disability Insurance. I also enjoyed the post from Blueprint for Financial Prosperity about online banks not being all about rates.
The Festival of Frugality was at Squawkfox and included my Four Strategies For Fighting the Takeout Urge. I also liked Quest For Four Pillars’ Everyman’s Guide to $30/month in Passive Income. Increasing income, even by a little, is another important facet in the battle of debt elimination in our household.
The Carnival of Money Stories was at the Baglady and included my comparison of Absentminded Spending and Absentminded Eating. I liked Harvesting Dollars’ entry about Garage Sales For Gas Money – I once drove by a sign that said “Garage Sale – We Need Money To Pay For Our Wedding!”
The Carnival of Financial Goals was at Military Finance Network and included my post about A Year of Debt Reduction. Declare Financial Freedom along with Mrs Micah who writes about what Financial Independence Means To Her.
That is all of them, please visit the carnivals and take a look around for yourself, there is a lot of great posts in them! Have a nice rest of your weekend!
Friday, June 6th, 2008
This week, my articles appeared in 5 different carnivals around the web and I wanted to highlight those this morning while I am preparing for my wisdom teeth removal and thank the hosts. If you are not familiar with what a carnival is, it is a collection of recent posts on a specific topic gathered together and linked to in a single post on the carnival host’s blog. They range from braod topics like personal finance, to very specific topics like snowflaking.
The Carnival of Money Hacks was at Broke Grad Student and included my 10 Easy Ways to Stay in Debt as an editor’s pick. Thanks! That is editor’s pick #26 for me this year, over halfway to my goal of 50.
The Carnival of Debt Reduction was at Girls Just Wanna Have Funds and included my Don’t Let the Reality of Future Debt Discourage Present Progress as an editor’s pick as well, which brings the year total to 27. Thanks!
The Carnival of Family Life was at Live From Waterloo and included my post on formulating an allowance plan for my almost four year old.
I will be getting my wisdom teeth out this morning bright and early (in fact, depending on when you are reading this, it might be right now!) so posting here will be light if at all until Monday. Go check out the carnivals while I am recuperating and have a great weekend!