Payday Loan Lowdown

Greetings! Welcome to the 11th edition of the Carnival of Budgeting. We have selected 16 good posts for this edition. I hope they will go well with our readers. Here are the posts, not in the order of their ranking.

Vause presents Toilet Paper posted at Active Duty Military Money and Matters. Well, this is a good way to save a little money everytime you shop. If you follow this advice you will not be flushing down money literally.

James presents Free Legal Resources posted at ZooLaw. Use these legal websites to help you save money on legal expenses.

Raj Dash presents 21 Ways to Promote Your Startup Business posted at Bootstrapper. Need to promote your startup business but short on budget? Here are 21 online and offline ways to promote, many of which are low- or no-cost.

Steve Faber presents - More Money Saving Tips posted at Debt Free. Here are some quick money saving tips for decreasing energy usage around the house.

Edithyeung presents 7 Habits of Highly Effective Money Managers posted at Edith Yeung.Com: Dream. Think. Act.. Money can’t work hard for you unless you are in control of the money. Money is like a child. The child can be easily tamed if you spend time to teach and nurture them. Otherwise, they can easily take over your life.

Ted Reimers presents Save money as a Student posted at College Blog. Follow these tips to survive as a broke student.

Tushar presents Get the most out of Dollars when travelling abroad posted at Life of a Resident Alien…. With today’s weak dollar, you need all the help you can get when traveling abroad. Here are a few tips on how to squeeze that last euro out of your greenback.

Leroy Brown presents Save money with a new car posted at A Penny Saved. Control your budget better with a new car vs an older used one.

Millionaire Mommy Next Door presents Identify Your Spending Values (Baby Step #2) posted at Millionaire Mommy Next Door. Identifying, prioritizing and living according to our personal values is key to our financial well-being. Once we’ve identified what truly makes us tick, our financial decisions will be guided in alignment with our values. If we live true to our values, we are bound to feel fulfilled, content, peaceful and happy. Yes, I believe that under these circumstances, money can indeed contribute to our happiness.

Tushar presents For the Frugal Mind: Cheapest days to shop posted at Life of a Resident Alien…. Never knew this but there are days when you can buy stuff when they are at their lowest price. Here are some items that fall in this category.

FitBuff presents How Much Are You Willing to Pay for Twinkies? posted at FitBuff.com’s Total Mind and Body Fitness Blog. Many people shudder at the word “taxes,” but how do you feel about a “fat tax”?

ChristianPF presents How to make more money with your emergency fund posted at ChristianPF.com. A quick how-to showing you how to use an emergency fund to save more money and increase it’s growth rate.

Joe Caterisano presents 8 questions that will prevent impulse spending posted at penny pinching. Compulsive spending is nothing but a destructive mindset. In order to break this bad habit, we need to be conscious of how and why we are spending our money.

Allen Taylor presents What Are Your Wealth-Building Goals? posted at Personal Investing Advice. The money is out there. No matter how many people tell you that we are in the midst of a starvation economy, that the market is doing this or that, and that it’s too risky to play the game, so to speak, people are getting rich every day. That is the reality.

Warren Wong presents The Life Pursuit Of Money posted at INTJ Personal Development. Why should making money be a life pursuit? Because making money actually helps people! Here’s why.

Thomas Humes presents Retirement - The Real Cost of Procrastination posted at Wealth Building World. If you want to accumulate $1,000,000 when you are 65, how much would you have to save? It all depends on when you get started.

That concludes the 11th edition of the Carnival of Budgeting. Next edition of this carnival will be hosted here on 23 July 2007. You can submit your posts here.

Greetings! Welcome to the 10th edition of the Carnival of Budgeting. We have received 14 posts for this edition. I hope our readers will enjoy reading these. Here are the posts in the order they were received.

Tracee Sioux presents Virtual Book Club posted at Blog Fabulous. Join our discussion of Suzi Orman’s Women and Money.

Roshawn Watson presents Falling off the Cliff posted at Watson Inc. Many refuse to have an emergency fund, are leveraged up to their eye balls in debt, and are quite simply one paycheck away from financial disaster. How long could YOU survive if your earned income suddenly stopped?

Madeleine Begun Kane presents Money Limerick Contest Results - And The Winners Are? posted at Mad Kane’s Humor Blog. “The response to Madeleine’s money-related limerick writing contest exceeded my wildest hopes and set a new record - 94 limericks were submitted. And the overall quality of the entries was very impressive — so impressive, that she has decided to expand the prize money pool enough to award an extra prize. …”

Warren Wong presents Grow Your Pile Of Money posted at Personal Development for INTJs. Your Pile of Money is shrinking just by keeping it in the bank! Learn to grow your pile of money here!

Mike Harmon presents Article Syndication- The Sky is The Limit So Explore and Aim for the Sky posted at Basic Accounting. Article syndication is a very simple process wherein one gets to share their article among various online sites which helps to impart knowledge through the web.

Eric Stanley presents Saving Money - A Top Strategy For Saving Money posted at Personal Finance Blog Articles. Do you find it difficult to save the money you work hard to earn? If so, then this article aims to help you get on top of your funds and start investing in your future.

Thomas Humes presents Wealth Creation- Don?t Start With the Wrong Concept of Wealth posted at Wealth Building World. If you think wealth creation is all about trying to save more money, trying to cut down on your spending, and budgeting then you are very wrong.

Matthew Paulson presents Should a Married Couple Combine Their Finances? posted at Getting Green. When you’re up at the altar, you’re making a real commitment to your spouse. You’re making a commitment to share your entire life with them, to take care of them in sickness and in health. When you have separate finances, you’re just a joint financial venture.

Raj Dash presents Case Study: Bootstrapping an Online Information Business posted at Bootstrapper. What says budgeting more than “bootstrapping” a business? Here are some suggestions for building up an online information business with very little capital.

Katie Ricotta presents Pay Day Loans posted at How to Save Money the Easy Way. Example of a typical Payday Loan– You write a check for $215 to borrow $200 this loan good for 14 days. After that time the Payday loan organization cashes your check and you give them cash to close out your loan. You have just paid a $15 finance charge for a $200 loan. If you hold it over for 14 more days then you owe $30 for a $200 loan.

Ted Reimers presents Budget Colleges posted at College Tips. Can’t afford college? Check out these budget schools offering a quality education.

Abdulrasool Sumar presents Top 10 Causes of Debt posted at Debt Consolidation Loan. The cost of obtaining cures and medicine in America is increasing every year. The Federal Government is cutting down healthcare spending every single year. Almost all doctors accept credit cards in the USA.

Mark McGuire presents 515,827 Reasons to Quit posted at TheLocoMono Website. Sometimes you have to spend money to make money, so might as well quit for 515,827 reasons.

Dean presents List of Restaurants that Give You Free Birthday Meals posted at Mr. Cheap Stuff Coupons. It’s your birthday, you deserve a free meal.

That concludes the 10th edition of the Carnival of Budgeting. Next edition of this carnival will be hosted here on 15 July, 2007. You can submit your posts here.

Greetings! Welcome to the 9th edition of the Carnival of Budgeting. We have received 18 posts for this edition. I hope our readers will find these useful and interesting. Here are the posts in the order they were received.

Raj Dash presents Bootstrapper » Building a Web 2.0 Business From Scratch posted at Bootstrapper. Reflections upon setting up a web 2.0 business with limited funds.

The Skilled Investor presents 18 Low Cost S&P 500 Index Mutual Funds posted at THE SKILLED INVESTOR Blog. Measured by invested assets, the S&P 500 index is the most common index fund benchmark in the U.S. The S&P 500 tracks about 75% of publicly traded U.S. equity market asset value.

Allen Taylor presents Making Big Money By Looking At The Seasons Of Investment posted at Investing World Today. All forms of investment markets have “seasons” just like the very predictable weather patterns of spring, summer, fall and winter.

Tim Ramsey presents Student Debt Relief - How To Get Yourself Out Of Student Debt posted at My Debt Relief Blog. In this article you will find out how to get yourself out of student debt the smart way.

Thomas Humes presents Millionaire Mind - Think Like A Millionaire posted at Wealth Building World. Millionaires, multi millionaires and billionaires have a unique way of looking at money. Learn about it and apply it to your own thinking.

Tushar presents Getting the best deal on Airfares posted at Life of a Resident Alien…. Flexibility in your travel plans will go a long way in helping you find a better price on airline tickets. Here’s a look at some of the considerations.

Andy presents 10 Reasons why I Love to Budget posted at moneywalks. 10 reasons why Andy loves to keep budgeting.

Adam Parker presents Creating a Zero-based budget posted at Compelled By Reality. Adam says, One of the things that has helped in this mindset shift of managing the finances given me was to create a “Zero-based budget.” Well, “what is a zero-based budget?” you might ask. I’m glad you asked. I asked myself this same question when I first heard of it.

Stephanie presents What Are the Biggest Dangers to a Healthy Budget? posted at Work at Home in Progress. Some habits are worse for sticking to a budget than others.

David presents Do Budgets Really Work? A Few Tips for Your Budget posted at Money Under 30. Four out of five personal finance pundits say a budget is the only way to trim spending and save cash. Unfortunately, four out of five “real” people might disagree.

Matthew Paulson presents The Ten Truths of Frugal Grocery Shopping posted at Getting Green. Unless you plan on eating out for every meal in your life in hopes of having a heart attack by age 40, chances are you’re going to need to make a weekly trip to your local Hy-Vee, Wal-Mart, or whatever grocery store happens to be prevalent in your area.

Tushar presents You are in financial trouble if… posted at Life of a Resident Alien…. In today’s financial world, you can’t be caught napping. “Float” — the time it takes a transaction to clear your account — has all but disappeared, and financial services are eager to penalize any lapses, such as a bounced check or an over-limit transaction, with hefty fees.

Steve Faber presents - It Always Costs More Than You Think - Things to Remember When Budgeting posted at Debt Free. There’s no such thing as a free lunch…or puppy. Almost everything costs more money in the long run than you think it’s going to at the outset. We’re all guilty of this kind of financial wishful thinking.

Ruth Mitchell presents Art is Universal posted at Buy Outside the Box. Small entrepreneurs can get the blues too. Always keep something inspirational in your back pocket to get you out of it.

Warren Wong presents Why Not To Drive posted at Personal Development for INTJs. These days, practically everyone has a car. In fact, people buy a car when they’re 16 and don’t have the money for it, which is extremely reckless since you should [[save money while you’re young]]. In general, people seem to expect you to have a car (especially in California) as soon as you can afford it.

Steve Faber presents It Always Costs More Than You Think - Things to Remember When Budgeting posted at Debt Solution. There’s no such thing as a free lunch…or puppy. Almost everything costs more money in the long run than you think it’s going to at the outset. We’re all guilty of this kind of financial wishful thinking. Here are some ways that things you buy always seem to cost just a bit more than you bargained for.

R.Pettinger presents How to Pay Off Your Mortgage Early posted at Mortgage Blog. How to Pay off your mortgage early.

Abdulrasool Sumar presents Good Credit Scores Can Save Money on Mortgages, Home Equity Line of Credit & Auto Loans posted at Consolidate Debt. “What if you could invest that money in a simple mutual fund that covered the entire stock market and left it until you were approaching retirement?” Historically these funds have earned on average 10 percent per year. Investing even $100 per month of money saved, thanks to a better score, over the course of 40 years adds up to over $559,500.”

That concludes the 9th edition of the Carnival of Budgeting. Next edition of this carnival will be hosted here on 06 July, 2007. You can submit your posts here.

Greeting, Payday Loan Lowdown brings 8th edition of the Carnival of Budgeting. We have received 10 posts for this edition. Here are the posts in the order they were received.

Roshawn Watson presents Be Your Own CFO (Part 1): The Dreaded “B-word”… posted at Watson Inc. Most would not erect a building without architectural plans or drive across country without a map. Similarly, it is an absurdity to try to reach financial goals (i.e. retiring with dignity and having substantial sums to give away) without living on a budget.

Silicon Valley Blogger presents Test Your Buyer’s IQ: Quit Wasting Money On Costly Crap posted at The Digerati Life. Do these ideas and inventions really deserve our money? Or can we as consumers see through the hype well enough to know that cheaper alternatives do exist and are preferred over those newfangled, hot offerings that are advertised by our retailers?

Trent presents Financial Preparations For A Second Child posted at The Simple Dollar. Trent shares his experience about financial preparations for a second child.

Jane Chin presents Couples: Joint or Separate Bank Accounts posted at Jane Chin. Couples who pool salaries versus those who keep separate bank accounts.

Abdulrasool presents Can Debt Negotiation Ruin Your Credit? posted at Debt Consolidation. Debt Negotiation companies will charge you enormous amounts of fees by using the following tactics: -> Large upfront “down payment” type fee -> Fee based on amount of debt you owe or # of creditors you owe to -> Fee based on the amount of debt that a creditor is willing to wipe away.

Edithyeung presents 7 Habits of Highly Effective Money Managers posted at Edith Yeung.Com: Dream. Think. Act.. Money can’t work hard for you unless you are in control of the money. Money is like a child. The child can be easily tamed if you spend time to teach and nurture them. Otherwise, they can easily take over your life.

Larry Russell presents The kind of financial advisor you need — A Tip from The Skilled Investor posted at THE SKILLED INVESTOR Blog. Good or bad, financial advisors are expensive. If you need a financial advisor’s help and you carefully select a good financial advisor, the value of the personal finance and investment advice that you receive might easily repay the advisor cost.

Ruby presents 25 Ways to Make Money Quickly and Easily (and Legally)! posted at Advice and Rants. How can you earn some extra money easily and quickly? You may be broke, debt, and desperate to make some money quickly, or you may be unable to work full-time (maybe because you’re a student like me?). Don’t worry, there are ways to make money quickly, easily, and without robbing a bank.

Alfaking presents Budget Day posted at Alfa King Memories. Last year everyone was happy with the income tax incentives as the Minister announced exemption of some 40 000 taxpayers from direct taxation. What ensued afterwards is only to make one lament on the decisions.

Raj Dash presents Bootstrapper » Bootstrapping Your Business Cash Flow posted at Bootstrapper. Bootstrapping your cash flow is part of budgeting for a business.

That concludes the 8th edition of the Carnival of Budgeting. Next edition of this carnival will be hosted here on 24 June, 2007. You can submit your posts here.

Greetings! The 7th edition of the Carnival of Budgeting is live. We have received 11 posts for this edition. I hope our readers will enjoy the posts. A link back to this carnival would be appreciated.

David Butler presents Find Amazon items at half price or less posted at Nimisis.com - For Sports, Software, Technology…. Unfortunately Amazon doesn’t have a search form that lets visitors find the most discounted items… so this site was set up to do just that.

Praveen presents My Simple Trading System: Six Steps for Lottery Winners posted at My Simple Trading System. Develop relationships with professionals who can help you with things such as taxes, financial and estate planning, and insurance.

Abdulrasool presents The Dark Sides of Debt Consolidation posted at Debt Consolidation. When paying off their debts, consumers have their minds on only 1 thing, and that is the monthly payments. Some debt consolidation companies will therefore lower your current monthly payments, which is nice, but they will also stretch your payback period.

Stephanie presents What Are the Biggest Dangers to a Healthy Budget? posted at Work at Home in Progress. Little mistakes can add up fast and destroy an otherwise healthy budget.

Bill presents How To SAVE A Million Dollars posted at Ask Uncle Bill. Jonathan Clements of the Wall Street Journal writes some pretty good stuff. Pretty good as in real good compared to most writers who write on finance topics. Here is one on how to save a million.

Raj Dash presents Worthwhile Free Applications For Bootstrapping Entrepreneurs posted at Bootstrapper. During the past two years, there’s been an explosion of new applications - both web browser-based and old-school downloadable. Both have their merits, with web-based apps offering the ability to share files, sometimes to even collaborate remotely in real time.

The Skilled Investor presents THE SKILLED INVESTOR Blog posted at THE SKILLED INVESTOR Blog. Lawrence Russell and Company released of a free version of its VeriPlan™ lifetime personal financial planning software application. This free version of VeriPlan is the most powerful personal financial planning software that is available for free use by individuals and their families. The free version of VeriPlan can be downloaded from the Internet via The Skilled Investor website.

Tushar presents Credit Score Breakup and ways to boost it posted at Life of a Resident Alien…. Avoid applying on your own for a lot of loans and credit cards, particularly in a short period. And avoid excessive card-hopping.

Gustav S presents The Money Tree : Is like to play with Marbles. posted at success-is-in-you.com. Some simple rules as when you play with marbles can really make the difference in your financial life.

Jason Elder presents What Is Bankruptcy Furniture posted at A Bankruptcy Lawyer’s Blog. Bankruptcy takes a toll on every aspect of your life. People often rent furniture rather than buy it because it can be less expensive at the time or they just like to trade in the furniture after a while rather than buy it.

Kristine McKinley presents The Fastest Way to Pay Off Debt posted at Financial Tips for WAHMs. There’s some debate among financial planners as to the best way to pay down debt. Some say paying the highest interest rate debt first is the best way; others say paying the smallest balance first is the best way.

That concludes the 7th edition of the Carnival of Budgeting. Keep submitting your posts to the future editions of this carnival. Don’t forget to mention this carnival on your blogs. Thanks.

Greetings! Welcome to the 6th edition of the Carnival of Budgeting. No surprise that we have received 17 posts for this edition out of which 14 have been selected in the end. Without further ado, here are the posts in the order they were received.

Cade Krueger presents Money In The Bank posted at Make Money Business Opportunity @ Write To Right. Negotiation can save you a lot of money simply by asking. It goes back to the saying that you can never know what you could have gotten if you just asked. Often it will lead to you finding that you could receive more that what is mentally possible.

FIRE Finance presents E-ZPass With Budget Car Rentals! posted at FIRE Finance. Rent an E-ZPass-equipped vehicle and for only an additional $1.50 for each day you access a tollway — and the cost of tolls, to avoid highway congestion and sail through toll booths with E-ZPass!

Adam presents Creative Online Family (or Personal) Budgeting Tool posted at Queercents. Google Spreadsheets has an answer for keeping track of expenses.

George Courtney jr presents How You Can Eliminate Money Concerns posted at The Authentic Bartender Blog. You could get a better job, maybe one with less commute. You could invest your money and collect on the profits.

Abdulrasool Sumar presents Differentiate Between Good Debt and Bad Debt posted at Debt Consolidation. "When you buy something that goes down in value immediately, that’s bad debt." He adds, "If it has no potential to increase in value, that’s bad debt." For example, buying a 21′ inch monitor for your computer for $1000 and putting it on your credit card is a form of bad debt.

Alex Z presents FU Fund - The Old Kid On The Block posted at Funds Zine. Educating people about personal finance and investing.

Josh presents Why start saving for retirement now? posted at The Mad Money Analyst. Many people procrastinate having to mow the lawn or get out of bed in the morning. But why do so many people procrastinate saving for retirement? So many reasons exist as to why you should start saving now for retirement. Just think about the costs for food alone that you will incur in retirement.

George Courtney jr presents Get More Miles for Your Money posted at The Authentic Bartender Blog. The American Automobile Association’s (AAA) Daily Fuel Gauge Report shows the nationwide cost of a gallon of gas at $3.09. Some parts of the country will see the cost of a gallon of gas increase to $4 in the coming months, with a combination of lower inventories and increasingly higher demands to blame.

Tim Ramsey presents 2 Debt Tips for Improving Your Credit Score posted at My Debt Relief Blog. If you are struggling with debt and need to improve your credit score, you need to understand how important financial organization will be. Getting your finances organized will go a long way toward improving your credit score and reducing your debt. So how do you go about making these changes?

Erik presents How To Give Yourself A Raise in Five Minutes posted at Money Crashers. The best way to write a budget is at the beginning of the month. Take all of your income and subtract out all of the recurring bills you will pay for that month.

Dean presents How to Use Yahoo Answer to Save Time, Money & Reduce Stress posted at Mr. Cheap Stuff Online Coupons. Use Yahoo Answers to help you save money.

FitBuff presents How to Legally Get Your Cable and Phone Bills Paid for Free! posted at FitBuff.com’s Total Mind and Body Fitness Blog. You know how your cable and/or phone bills seem to come about 31 times a month, instead of just once?

Annette Berlin presents Tax Deductions For Your Old Clothing–Frugal Journey posted at Frugal Journey. Did you know you can get tax deductions for your old clothing? It’s true. Just take them to any charitable thrift shop, get a receipt and you’re ready for tax time. Start now, so you’ll have plenty of deductions for this year.

Patrick Daly presents How Much Should a Web Freelancer Charge Clients? posted at Develop Daly. You are a freelancer with no backup support, sick day pay, benefits, etc. So you can charge more than you might think.

That concludes the sixth edition of the Carnival of Budgeting. Keep submitting your posts to the future editions of this carnival. Thank you for your contribution.

Greetings! Welcome to the 5th edition of the Carnival of Budgeting. We have received seven good posts for this edition. Here are the posts in the order they were received.

Tushar presents Shopping at Costco…the frugal way !! posted at Life of a Resident Alien…. Shopping at Costco…the frugal way.

Kathryn presents How to Score Outlet Mall Coupon Books for Free posted at See Jack Shop. See Jack Shop, the new blog for men on a budget, gives excellent tips on how to score free coupon books at your local outlet mall and instructs you on how to join the VIP club for even more exclusive deals.

John Place presents Control Your Spending posted at johnplaceonline.com. Control your spending by taking responsibility for your own financial decisions.

Maly Oudommahavanh presents She Spent Only $20 on Clothes Last Year posted at Wise Bread - Personal Finance and Frugal Living Guide. This is a post about Alex Martin, who spent only $20 on clothes last year!

Eric Stanley presents Too Broke to Budget? posted at Personal Finance Blog Articles. Budgets are for people with predictable income, fairly predictable expenses, and the former larger than the latter, right? What good will a budget do if you dont have enough money to go around, and you never know when more is coming in?

Kevin Surbaugh presents 33 Ideas for Dating Frugally posted at Becoming & Staying Debt Free. You’ve made a love connection, but now you’re weary of the wooing process because you’re on a tight budget. But don’t worry, because dating without much cash is possible and it can allow you to be creative while showing your date a good time.

FIRE Finance presents Fly Now - Northwest Airlines Offers Low Price Flight Change posted at FIRE Finance. Northwest Airlines’ FlyNow option allows customers to confirm an alternate, qualifying domestic flight operating anytime during the day of departure for $25.

That concludes the 5th edition of the Carnival of Budgeting. Keep submitting your posts to the future editions of this carnival. Thank you for your continued support.

–By Sagar Satapathy

Greetings! We are here with the 4th edition of the Carnival of Budgeting. I am sure that the featured posts will provide you great tips on budgeting and personal finance. Here are the posts in the order they were received.

Edithyeung presents 53 Ways to Make Money on the Internet posted at Edith Yeung.Com: Dream. Think. Act.. You can sign up with almost any website these days and become their affiliate. You are basically their salesperson and earn a percentage commission of the revenue they make. THIS article offers great tips on how to make money from the Internet. A must read for everyone.

Murad Ali presents Avoid the Middle Class Decline posted at The New Business World. The middle class is slowly deteriorating into either the “haves” or the “have nots”. That means a two-tiered system is just over the horizon.

Annette Berlin presents Frugal Family Outings–Frugal Journey posted at Frugal Journey. After reading this article, you may want to check out the posts entitled Frugal Dating, Homeschooling Activities and Frugal Community Resources and Frugal Homeschooling Activities.

Tushar presents Easy ways to cut your energy bill posted at Life of a Resident Alien…. A bill recently introduced in California would ban the sale of energy-hogging incandescent light bulbs by 2012. Aside from changing your light bulbs, there are some other things you can do around the house to save you energy and money.

Mama Money presents Staying Within the Budget posted at Financial Dispatches. How do you make sure you’re staying in your budget and not surprised by a big credit card bill at the end of the month?

The Skilled Investor presents Can you really get free and objective investment advice, when you pay investment sales loads? (Part 1 of 2) posted at THE SKILLED INVESTOR Blog. Excessive investment costs are a plague on your personal financial planning. Excessive investment expenses are one of the most significant barriers to lifelong family financial security.

Sunny presents Broke and in debt is normal. Be Wierd! posted at Dandelions and Daydreams. This article is a personal review of Dave Ramesy’s Financial Peace University classes. My husband and I are currently 1/2 way through the program.

Aibek presents 15 Cool Tools for easy Expense Tracking and Budgeting posted at MakeUseOf.com. From simple, personal and shared expense tracker to feature-filled, budget tracking tools. All free, enjoy!

Tracy Coenen presents Home buyers suing to get out of contracts posted at FRAUDfiles. Cancellation rates on these home buying contracts may be as high as 30%. The story highlights a few situations in Florida, where attorneys are even advertising their services to people who want to get out of their contracts.

Matthew Paulson presents Traveling to New York City on a Budget posted at Getting Green. When you are traveling to New York City, you probably don’t want to drive. When you consider the cost of gasoline, extra wear and tear on your vehicle, the nightmarish city traffic, the cost of parking, the cost of tolls, most of the time it just makes sense to get public transportation.

That concludes the 4th edition of the Carnival of Budgeting. Keep submitting your posts to the future editions of this carnival. We would appreciate if you promote this carnival on your blogs. A link back would be a great help.

–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.