Payday Loan Lowdown

–By Sagar Satapathy

Greetings! Welcome to the 3rd edition of the Carnival of Budgeting. It’s great to see this carnival getting popular on the web. We have selected 13 good posts for this edition. Here are the posts in the order they were received.

Murad Ali presents Job Jumping: Good or Bad? posted at The New Business World. The New Business World (NBWB) offers interesting and informative articles on just about everything related to business. We are looking for article writers and models who would like to gain exposure.

Annette Berlin presents Thrift in the Household–Frugal Journey posted at Frugal Journey. Instead of buying parsley week after week, why not buy a pot of it? It is ornamental and grows nicely in any sunny window and may be grown in winter in a box in the cellar by a window if it has the sunlight. Parsley is hard to start, but after it has been potted it grows well.

Darius presents Using A Reverse Mortgage To Pay for Long-term Care and Avoid A Nursing Home posted at Related to Mortgage. Alternatives to Long Term Care Insurance: Using a Reverse Mortgage and Other Methods to Pay for Long-term Care Costs.

Leo presents How to Make Your Finances Automagical posted at zen habits. Every payday, your paycheck is automatically deposited in your bank account (right?). Once you’ve got this system set up, your savings will be automatically transferred to your high-interest savings account (pay yourself first!), then your bills will be automatically paid online.

Tushar presents 22 ways to build an emergency fund posted at Life of a Resident Alien…. One of the most important things to have is an emergency fund. If, for any reason, your income stops, your emergency fund should be able to carry you for at least 6-8 months.

Shamelle presents Make Money, Not Excuses! posted at Enhance Life. In spite of salary increments/personal profits, will what we make, ever be enough for us?

Samuel Peery presents Dave Ramsey Resources and Links posted at Getting Finances Done. In addition to FPU, Dave Ramsey is mostly known for his daily (week day) radio show and his book “Total Money Makeover.”

FIRE Finance presents Hertz Car Rental Discount Coupons! posted at FIRE Finance. Learn more about the Hertz car rental discount coupons.

Thomas Ott presents Predict the S&P500, Win $100! posted at Neural Market Trends. In honor of the Dow Jones Index closing above 13,000 today and help kick off this blog, I’ve decided to hold a small contest. I’m giving away $100 to a reader who can make the closest prediction of the S&P500’s closing price for Friday May 4th,2007.

Tushar Mathur presents Switch Between Fixed and Variable Rate Mortgage with no Closing Costs posted at Life of a Resident Alien…. WaMu has come up with a new kind of mortgage product called Mortgage Plus, that allows you to Switch Between Fixed and Variable Rate Mortgage with no Closing Costs. Below is the article explaining this new product.

Katie presents An Age Old Idea Still Rings True… Just Hard to Accomplish posted at Aridni. Creating wealth can be done in positive ways, like the cliche about teaching people to fish instead of feeding them a fish.

Silicon Valley Blogger presents The Household CFO: Home Financial Taskmaster posted at The Digerati Life. In every household, somebody’s got to handle the finances — whether it’s the Mister, the Missus, or both, running things as a team.

Bill presents Taking Away The PunchBowl–Why The Stock Market Could Go Down "Big Time" posted at Ask Uncle Bill. Just when things start going good somebody wants to spoil the party. Nothing out there right now to torpedo the market but a couple of events that could mess things up around 2010 or 2011. Who cares?–that is light years away, you say.

That concludes the 3rd edition of the Carnival of Budgeting. Keep submitting your posts to the future editions of this carnival. A link back would be greatly appreciated.

–By Sagar Satapathy

Welcome to the 2nd edition of the Carnival of Budgeting. We have selected seven posts for this week’s carnival edition. Here are the posts in the order they were received.

Murad Ali presents Reducing Business Expenses posted at The New Business World. Whether you are a home business or simply a small business you are going to have to reduce your expenses in order to increase the amount of money you actually take home.

Abdulrasool Sumar presents Do It Yourself Debt Reduction posted at 3 Debt Consolidation. Consider the following example. Peter has an after-tax monthly take home pay of $2000. After paying off all his expenses every month, Peter has $450 remaining to pay off any debts owed. He should therefore allocate this $450 towards paying off debt that has the highest Annual Percentage Rate (APR). This is the fastest way to reduce your debt.

Madeleine Begun Kane presents Man Can’t Live By Bread Alone … Or Can He? posted at Mad Kane’s Humor Blog. "Here’s some bread for some bread at the store. Bring back change or you’re toast, cause we’re poor".

Vedis Teh presents ShowMeMoneyBiz.com: 2 Options on Repairing Bad Credit History posted at ShowMeMoneyBiz.com. It is true enough that most banks will try to help and restructure their customers’ loans in order to repair their bad credit reports.

Majic presents Money Flow Chart posted at Krugergold Finance. This is an excellent chart on where the money should go.

The Frugalist presents Why Live Frugally? 15 Ways Frugality Makes You Happier, Healthier, and Sexier posted at Frugalist. There are many reasons why a person should adopt frugality as a lifestyle. Frugal living doesn’t just help your budget; it can make you feel and look better, too. While many people begin budgeting out of necessity, they soon find that life is better that way in all respects. Below are 15 ways in which people can become happier, healthier, and sexier as a result of frugal habits.

Azmi M. presents Budgeting Everyday posted at Work at Home Make Money Online Blog. People usually save up and spend and then they go through a period of time where they go on a budget and they don’t spend.

That concludes the second edition of the Carnival of Budgeting. Keep submitting your interesting and useful posts to the future editions of this carnival. Thank you for your support and contribution.

We all deserve true, genuine and long-lasting happiness. We all have the ability to create a happy life and we all deserve it. Our life is specially meant for self-realization. That is to say, man should come to know what he is and wat the world is! This way the quality of life will elevate.

Today, improving the quality of life becomes essential to lead a perfect life. Towards the beginning of 21st century, there has been an increasing trend of moral degradation, stress and the lack of social harmony to a very large extent. Therefore, it is worthwhile to seek valuable tips and increase our quality of life. Here is the list of 13 tips we should perform in our everyday life.

1. Have Faith in God: Remember and have faith in God. By revering to HIM, you will attain that eternal and lasting happiness. You will always feel your life secure and complete. When you have faith in God, not only you have a greater momentum towards your goal, but some amazing transformations in your daily life or career often happen. This is why faith is greatly encouraged. It will also streamline your life and  relieve of many inner conflicts. Due to your faith, inner power from your higher consciousness will dynamically move out into your life and world as a constructive force. More opportunities will come to you. Often what you conceive in your mind can become a real experience for you in the outer world.

2. Handshaking Habit: A handshake is common when you greet people. Offer your right hand with a warm smile and direct eye contact. Your greeting will perfectly add to the meeting. Do not attempt to hold hands till your introduction is over. A good handshake lasts for only 3 to 4 seconds.

3. Punctuality: Always arrive on time. Don’t let people to wait for you. Attend at least few minutes before meeting begins. This will avoid distractions and provides time to get settled in the meeting. Getting embarrassed in such high profile venue will have negative impacts in your career. Such things will let your moral down.

4. Forgiving Yourself: Forgiving yourself and others for what you perceive to be not okay. Forgiving yourself is necessary. There is a tendency in all of us to hold ourselves more accountable than we do others.Forgiving yourself will change the direction of your life. Life is full of choices and every choice you make will either take you in a positive, life-giving direction. Forgiveness is a choice that takes courage and strength, and it gives you the opportunity to become an overcomer rather than remaining a victim of your own scorn.

5. Accepting Mistake: Accepting that you are okay even when you blunder and learning from past mistakes will surely make you improve in your life. Don’t worry about making mistakes. Everyone makes mistakes. Why should you be different. The person who never made a mistake, never made anything. Look upon your mistakes as an asset. Life is a learning process. Learn from your mistakes. Profit from them and you will not only gain more knowledge, you will also become a better person. You must face the fact that from time to time make the odd mistake. As long as they are not life threatening, pick yourself up, dust yourself down and get on with your life. However, just remember not make the same mistake twice.

6. Ladies First: Courtesy like “ladies first” greatly adds to your personality. The 30 second practice of wait and holding doors open for women will make you popular among the ladies. Cheers!

7. Laughter Challenge: Laughter is a sign of happiness or amusement. Find time to relax with friends or family members. Laughing for 30 second lowers blood pressure, reduces stress hormones, increases muscle flexing and boosts immune function. Laughter also triggers release of endorphins, the body’s natural painkillers and produces the general sense of well-being. Laugh makes life live.

8. No Smoking: When you are in a group, the non-smokers may not appreciate you lighting up in their faces. Try to step away from the groups. This will hardly take 30 seconds to establish some distance between non-smokers and you.

9. Shopping Tips: When you are shopping at the Malls or supermarkets, all you have to do is to greet the sales people with a ’smile’, then interact with them gently. This will create a satisfying shopping experience for yourself and other valued customers. Never lose your temper at elderly people, disabled people, or children. When dealing with them, maintain the utmost respect and exercise a great deal of patience. Don’t forget to add the words “Thank you” when you are through checking out.

10. Airline Tips: Inside the flights, you should be conscious enough to maintain polite and discipline. Using a laptop or playing noisy games is annoying to other passengers. They should not be disturbed. When exiting from the plane, wait for your turn. Don’t rush and push from the back to get a few passengers ahead. Maintain to go sear-by-seat and row-by-row. This will avoid any quarrels or hazards of accident.

11. Be a Good Listener: Listen carefully and attentively. Remain eye to eye contact with the speaker. Clarify your doubts and wait for other person to finish speaking. You will concentrate definitely from such practices.When someone shares information with you, put yourself in his shoes. This will allow the two of you to discover solutions more easily and will also help you appreciate a perspective different from your own.

12. Voluntary Activities: Indulge in volunteer activities that feed your soul and make you come alive, even if it makes little sense to others. This way, there will be room for developing you in new direction of your choice. Learn more about yourself during such gatherings. You will encourage you to learn new things in life.

13. Think Positively: Don’t ever think negatively. Negative thoughts will make you unhappy and failure in life. See the bright side of every new venture. A positive mind always anticipates hapiness, joy, health and a successful outcome of every situation and action. "Think Positive" - this is the only success formula for today’s stressful world. For developing such positive thoughts, keep your mind focused on important things. Set goals and priorities for what you think and do. First visualize practicing your actions and developing a strategy for dealing with  problems. Lastly, learn to relax and enjoy the success of  a complete happy life.

–By Sagar Satapathy

Welcome to the first edition of the Carnival of Budgeting. We received a good number of submissions for the first edition. Here are the posts that have been selected from a huge lot.

Ms. Latina Renee presents A Pay Check Today posted at Ms. Latina Renee Enterprise, LLC. Sometimes we may need cash advances to get our business up and going. MsMoneyGirl provides a website where we can receive funds by tomorrow upon approval of submitting a free online application. Who needs a pay check today? After you have been approved for cash, you’ll receive funds in your bank account on the next business day.

Prince of Thrift presents Forgotten Stupid Tax Now in Collection posted at Becoming & Staying Debt Free. At any rate, when I received the notice (again a year later) I called the collection attorney and made payment arrangements. They agreed to $50/month (though I had figured $60) to pay the $172.64 and any interest that accrues, between now and then.

The Frugalist presents 27 Fun Ways to Destroy Your Old Credit Card posted at Frugalist. If you have old credit cards lying about the house, you may be at risk for credit card fraud, and you could be missing out on just how cathartic it really is to destroy those little money fiends. Here are some fun ideas to help you destroy your old credit card. Fun doesn’t necessarily mean safe, so try these at your own risk.

WBL presents Wealth Building Lessons » Blog Archive » Improve Your Credit Score by 100+ Points posted at Wealth Building Lessons. 4 easy steps to improving your credit score.

Prince of Thrift presents Win Dave Ramsey Live Event Tickets!! posted at Becoming & Staying Debt Free. The Prince of Thrift is giving away a pair of tickets to a sold event. Popular financial expert, Dave Ramsey will be in Kansas City on May 5. If you don’t have tickets, but want to go, here is your CHANCE. What a great place to learn to get your budget in order.

Wenchypoo presents Dollar Stretcher TNG–The Next Generation (L-O-N-G) posted at Wisdom From Wenchypoo’s Mental Wastebasket. Food and food budget savings.

The Free Geek presents How to Save $0.50+ on Every Gallon of Gas - 12 Tips and Tricks posted at The Free Geek. Most drivers experienced the $3.00 per gallon gas prices that occurred during 2006. And, while gas prices today hover around $2.20 per gallon, most automobile owners might wonder if that price is here to stay. It appears that few individuals understand what really drive gas prices.

Samuel Peery presents Applying GTD principles to your personal finances - Part 1 posted at Getting Finances Done. By applying David Allen’s personal productivity principles to personal finances I’ve been able to make some vital distinctions that have helped me manage my money more effectively.

That concludes the first edition of the Carnival of Budgeting. Keep sumitting your posts to the future editions of this carnival. I thank you all for your support and contribution to the Carnival of Budgeting.