Coffee heat rising

Moments of Fame

Mama Bear hosts the Make It from Scratch Carnival at I’ve Got a Little Space to Fill, where Funny’s squib on substituting laundry detergent for dish detergent appears. On two of my favorite subjects, make-it-yourself dog food and bizarre chemicals in processed food, Condo Blues tells how to make apple & banana doggie treats…and in passing reveals that some baby foods contain corn syrup (!). Speaking of treats, The Sojourner posts some to-die-for photos and a link to a recipe for chocolate-peanut butter ice cream, with some added blandishments of her own. Check out the amazing idea for green tomato pie at The Homestead Blogger, and All Rileyed Up’s easy frozen banana treats. Money Blue Book explains an elaborate system for extracting free products from drugstores, using coupons and rebates.

Value for Your Life hosts the 145th Festival of Frugality; Funny’s squib on the least important bill appears here. Master Your Card tells an astonishing story about life in his apartment complex—good grief! Paid Twice gets an interesting conversation going with a post on school fund-raising tactics. Speaking of school, even though Broke Grad Student has graduated, he’s still blogging; check out ten ways college students can score free food. Our Four Pence Worth has a nice rumination on doing with air-conditioning, leading one to reflect that many a generation before ours survived just fine without chilling down a box to live in during the summer.

Moments of Fame

Aryn hosts a vast Carnival of Personal Finance at Sound Money Matters this week, where Funny’s dialogue with the investment adviser appears. She offers an appealing autumn theme.

Most inspiring, Madison at My Dollar Plan describes how she escaped the workforce at the ripe old age of 29…hint: if you’re 16, it’s not too soon to get started. At Blueprint for Financial Prosperity, Jim reports next year’s projected tax brackets, along with a few other interesting details. And at Gather Little by Little, GLBL explains how to sell a used car. This is quite an eclectic carnival—you need to visit it and check out the whole show.

The 144th Festival of Frugality appears at My Two Dollars, who has kindly included Funny’s squib on no-purchase days. This carnival, too, is truly huge and full of interesting and useful posts. My attention was grabbed by Cheap Healthy Good’s disquisition on Angus beef, since my long-dead Daddy, an escaped cowboy who used to aver that the best thing about being from Texas was being as far from Texas as you can get, deeply believed that black Angus cows produced better beef than any other bovine. Not that he liked cows, mind you, except to eat them. Speaking of food, Jim at Bargaineering is rightfully pleased with the produce from his deck & container garden…and yes, there is a difference between real and grocery-store tomatoes. Sound Money Matters titles a very nice rumination “How to Invite Windfalls into Your Life“—tho’ to my mind it’s more like creating opportunities and making the most of them. At Car-buying Tips to Save You Money, there’s an interesting article on used car pricing; it’s not the only piece on buying used cars to hit this festival—go to the site to find more.

Moolanomy has posted the thirty-first Money Hacks Carnival, which includes Funny’s realization that there’s no need to pour money on the entire yard if you only use two or three parts of it as outdoor living areas. Lots of good money how-to’s here, such as Steward’s post at My Family’s Money on making your child a millionaire (literally or figuratively, depends on you). And hey, big spender—if you can’t figure out how to spend your money, Money Blue Book will explain how to get rid of it with an American Express Black Centurion card. Budgets Are Sexy urges readers to keep receipts at least three months—preferably a year—and describes the lazy man’s way to do so. And so it goes.

Photo by Ms. Tea
http://flickr.com/photos/59089068@N00/1218519

Moments of Fame

BankerGirl does an awesome job of hosting the169th Carnival of Personal Financeamid a frenetic schedule that includes planning a wedding, a big workplace project, and teaching. She kindly included Funny’s rumination on the real cost of an intellectual worker’s overhead. Among the amazing editor’s picks, check out what Bob is up to at ChristianPF: the guy isconverting his car to run on water. On a subject near and dear to my heart, over at Moolanomy Pinyo considers the benefits ofcollecting one’s Social Securityat the earliest possible moment. Harvesting Dollars wondersif you’ll really spend less in retirementthan you do while you’re working (IMHO: if you’re already frugal and you don’t have to buy special clothes for work or eat out for lunch, probably not). Quest for Four Pillars adds to the retirement discussion withan interesting rumination on the 4 percent rule; here, too, readers add some useful insights. If you like your cookies frosted, check out My Dollar Plan’s discovery that the $7,500 first-time-buyer’s tax credit is sadly misnamed. And speaking of financing real estate, My Two Dollars wonders how to go aboutgetting a mortgage when the largest part of your income is from freelancing; though I thought it was impossible, several of his readers offer solutions. Well, speaking of retirement dreams and mortgage schemes, it’s time for me to get up and go to work: don’t miss this carnival, ’cause it’s full of outstanding posts.
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Frugal Babe hosts this week’s Festival of Frugality, where Funny’s squib on Ikea appears. My attention was instantly caught by Jacob’s post at Early Retirement Extreme about saving big bucks by moving into an RV; just last night while walking the dog I passed by the RV that usually appears in front of one of the neighbor’s homes this time of year and thought…that could be the answer…. Speaking of mobility, you have to see the amazing Thriftymobile at Miss Thrifty. The Happy Rock has decided to buy real food instead of processed & prepared gunk at the grocery store…oops, sorry. We shouldn’t call it “gunk,” it being against the law to slander foodstuffs these days. Hank at MiB has come up with an interesting hack involving Costco’s cash cards.
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At Funny’s sister blog, The Copyeditor’s Desk, the 76th Carnival of Money Stories has gone live. My favorite posts there were FMF’s story about his kids’ views on paying taxes and Jim’s interesting remarks on Roth conversions and Blueprint for Financial Prosperity. Since I wrote this carnival, I’d like to point out that several people who submitted posts to the Money Stories carnival also submitted the same posts to the Festival of Frugality. One managed to be included in both round-ups.

The rules to most carnivals specifically state that entries should be original and submitted to only one carnival. I can see why you would hedge your bets with the Carnival of Money Stories: so many people submit posts that aren’t really stories that a relatively small percentage of submissions are accepted. It really isn’t difficult to tell the difference between a narrated story and a list of tips, though. Why not simply submit the “5 Ways to Save” posts to a carnival that’s looking for them and leave it at that? If you think you have an actual story, send it to the Money Stories Carnival first; then if it doesn’t fly there, next week send it to the FoF or the CoPF.

Carnival of Money Stories: Labor Day Edition

Welcome to the 75th Carnival of Money Stories! The prospect of a three-day weekend must have brought out the best in our storytellers: quite a few submissions are great tales of financial adventure, some of them very entertaining. I wish I could mark all of them as Editor’s Choices. Those that spun a really fine money yarn are highlighted in Day-Glo red.

Many submissions were good posts but not stories. We saw reports, reviews, hacks, lists of tips, opinion pieces, and even an ad for a convention. A few of these were so interesting I was sorry not to be able to include them. But once again, I’ve reserved this space for actual stories in the classical sense: narratives with a plotline.

The Carnival of Money Stories is recruiting hosts! If you’d like to host a carnival, please visit the carnival’s hosting page to volunteer. It’s a pretty easy job, you get to see a bunch of interesting posts, and it brings a lot of traffic to your site.

* Adam
Your Money Relationship
The Age of No Negotiation: Apartment Edition
Good story! How landlords take advantage of college students

* FFB
Free from Broke
Not Having the Police at a Car Accident Can Cost You
FFB keeps his wits about him after being rear-ended

FMF
Free Money Finance
Review: Macy’s (and the Problem with Gift Cards)
The FMFs receive a gift card for a store that’s not their choice of shopping venues

* Connie Brooks
Blueprint for Financial Prosperity
Babies Are Expensive! Total Cost of Having a Baby
Nothing theoretical here: what childbirth really costs real parents

J. Money
Budgets Are Sexy
Procrastination and Expedia.com: Two of My Very Best Friends
How dawdling saved the author a pocketful of dough

LAL
Living Almost Large
Making Big Purchases
A couple works together to make big financial decisions.

Amy
My Daily Dollars
Please Take a Number
How paying off debt is like waiting in line — a very long line

vh
Funny about Money
Back Again — Temporarily?
The psychosocial cost of a cheap Internet connection

Silicon Valley Blogger
The Digerati Life
15 Fire Safety Tips to Protect Your Life and Home
What you think about when a big sign reading “Fire Danger High” goes up on your block

Single Guy Money
Instant Credit — No Thanks
How long can you stay polite in the face of a high-pressure pitch for a product you didn’t ask for and you don’t want?

Mighty Bargain Hunter
Save Money While You’re Young
Older and wiser, Mighty regrets wild oats thrown to the wind…or to the pizza parlor.

* Lauren
The Business Ethics Blog
Bad Administration is Bad Business
Noxious customer service strikes at the doctor’s office

Todd
Harvesting Dollars
The Opposite of Me
An unjudgmental rumination on some people’s kids

Dorian Wales
The Personal Financier
Outsourcing Our Chores — Do We Overvalue Our Spare Time?
What’s your free time worth? Really?

Madison
My Dollar Plan
My New Retirement Lifestyle Cash Flow
What comes next, after a young mother decides to quit working

NtJS
Not the Jet Set
Frugal Lunch Time Style
How one little kid got her own custom-designed school lunch bag.

* The Happy Rock
Just Canceled Netflix — Trimming the Budget Fat
Interesting (not to say amazing) cautionary tale!

Photo by Katie Rommel-Esham
Wikipedia Commons

Moments of Fame

The 168th Carnival of Personal Finance is up at One Caveman’s Journey, who included Funny’s report on a way to use Social Security as an interest-free loan from the government. This carnival contains quite a few interesting posts. Squawkfox offers some useful and very positive advice. The Free from Brokes are taking the plunge: Mrs. Free is quitting her job to stay home and raise the kids. Value for Your Life has some guidelines for dealing with difficult people. Fabulously Broke in the City reveals thatas a self-employed IT professionalshe’s grossing four times my salary. Yipe! She probably lives in a high-rent city, but not even New York or Boston costs four times as much as this place does.

The Festival of Frugality is up at chez Kelly, the proprietor of Almost Frugal. An American expat in France, she gives us a soignée French theme. Funny’s list of 25 strategies to save enough money to stay in her house during retirement appears in this round-up. Frugal Fu starts an interesting discussion about the embarrassment of riches a taste for clothes shopping brings to your closet. You’ve gotta see the terrific photos of tiny gas-savers and…uhm…alternate modes of transportation at The Digerati Life! For do-it-yourselfers, Fiscal Zen provides a convenient list of 10 home improvement sites. And Uncommon Advice presents a smart list of 20 things to leave out of your shopping cart.

Moments of Fame

At the74th Carnival of Money Stories, Not the Jet Set has placed Funny’s“lemonade from lemons”saga among the Editor’s Picks! Thanks very much for that, NTJS. At this carnival, Budgets Are Sexy tells the tale of the timehe had to pay for his own Starbucks(can you imagine? his employer hands out gift cards to Starbucks!). Trees Full of Money describesthe unfortunate decision to lease a Toyota 4-Runner; the first installment appears here. And No More Spending rejectsthe temptation posed by glossy magazines.

Broke Grad Student has posted the 167th Carnival of Personal Finance, with a Beijing Olympics theme. Funny’s squib about the national debt and its likely baleful effect on the US and world economy over the next decade or two appears here. Once again, many great stories here. At Alpha Consumer, Kimberly reminds me why I used to love being a journalist (because you can ask as many nosy questions as you like!) with an interesting report on how much bloggers earn, a story that incidentally reveals the traffic some blogs generate. The Financial Blogger has a hilarious piece on how some songs you’ll recognize relate to personal finance…along the way he confirms this old bat’s suspicions about what students are actually thinking about in class. 😀 In the suspicions confirmed department, Brip Blap reveals the truth about passive income, or so he says. The Wisdom Journal, on a more serious note, advises common sense when it comes to frugality. And Not the Jet Set describes an error on the bank’s part and the nuisance it led to.

The Make It from Scratch Carnival is up at Learning the Ropes, where Funny’s beauty tip for olive-oil hair conditioning appears above the fold. TM were pleased to see our recipe for fried green tomatoes also made the cut. Speaking of tomatoes — and frugality — My Daily Dollars has a tasty-sounding plan for a $3.00 family meal made with home-grown tomatoes.

Fire Finance hosts the 140th Festival of Frugality. As an employee of the Great Desert University, a decidedly public school given to larding FTE with (largely fraudulent) online courses and concocting graduate programs that do not require annoying details like the GRE or the GMAT, Funny is thrilled to see Jim at Blueprint for Financial Prosperity hold forth on reasons not to go to a private college…but wait! snap out of that! It’s a Devil’s Advocate post. Speaking of the outcome of fraudulent practices, Care One Credit offers some strategies to avoid foreclosure. Back on campus, Frugal in the Fruitlands points out some of the many benefits colleges and universities offer alumni. Funny’s post on falling off the frugality wagon appears in this week’s Festival.

PF Buzz hosts the 27th Money Hacks Carnival, where Funny’s rave about the glories of doing business with credit unions appears. Here, Fiscal Liberty offers ten things to know before refinancing; No Debt Plan suggests some ways to save money on watering the lawn; and Realm of Prosperity tries to save on college textbooks.