Carnival of Personal Finance #316- Family Edition

Prairie Eco-Thrifter

Hello and welcome to the 316th Carnival of Personal Finance- Family Edition. Big Cajun Man from THE Canadian Personal Finance Site asks What is Your Financial Plan B? Ken from Spruce Up Your Finances asks Need A Down Payment For Your House? Tom Drake from Canadian Finance Blog clarifies our Understanding of Term Life Insurance. Jacob @ My Personal Finance Journey discusses Online Shopping – The Risks, Benefits, and How to Stay Safe.

The Top Personal Finance Tips For Recent Graduates; From 10 different Finance Experts

Prairie Eco-Thrifter

She runs MoneyZen Wealth Management , and has a financial blog geared toward helping women master their finances. How we handle our money early in life can impact us in future years- for example, young adults who rely on credit may find themselves continuing this pattern throughout life and consumed with debt.” Eleanor is a Consumer Advocate and helps consumers take control of their personal finances. “It’s

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Holiday Shopping Tips from Personal Finance Commentator Regina Lewis

Nicoles Nickels

Regina Lewis is one of the nation’s leading personal finance commentators known for well-researched, practical and actionable advice. Her segments cover economic and consumer trends. Regina’s bottom-line: help consumers save time and money. Consumers can save on an average of 20%-30% on products by doing their research and comparison shopping for everything on their shopping list [source: PriceGrabber].

Consumer Choices – Your first stop for price comparison

Discount Coder UK

The Consumer Choices organisation is an excellent destination if you want to save cash on all sorts of essentials. Set up way back in 2005 by three entrepreneurs, it has grown into a ten-site offering covering broadband, home phones, digital telly, personal finance, gas and electricity, insurance, breakdown protection, boiler cover and mobile phones.

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11 Discount & Budget Travel Websites-ChristianPF

Fashion Without Guilt

The consumers have spoken and gas seems to be gradually dropping but not fast enough. If you want to still plan that vacation this year, Christian Personal Finance wrote a great article outling how to travel and get the &# bang for your buck&#. Trying to Travel on a Budget these day, is almost impossible. With gas prices nearing $4, who has the money for that family vacation this year.

11 Discount & Budget Travel Websites-ChristianPF

Fashion Without Guilt

The consumers have spoken and gas seems to be gradually dropping but not fast enough.If Frugal Tip Monday Frugal Tips airfare watchdog bidding traveler big crumbs booking booking hotel booking hotels budget travel budget travel sites christian pf chrsitian personal finance discount travel discount travel sites ebates expedia Fashion Without Guilt help me travel cheap hotwire kayak priceline travel free coach travel resource guide travelocity credit card trip advisor trvelocity

What Is National Financial Literacy Month?

Prairie Eco-Thrifter

Forty-one percent of adults in the United States gave themselves a grade of C, D, or F on their knowledge of personal finance (according to the 2011 Consumer Financial Literacy Survey Final Report of the National Foundation for Credit Counseling). The number of personal bankruptcy filings reached 1,500,000 in 2010, the highest number since 2005, and in 2011, the percentage of total consumer filings increased from 2010 (according to the National Bankruptcy Research Center).

Find out How Brian & His Wife Paid off $109,000 in Credit Card Debt

Family Balance Sheet

It was all consumer debt spread over 5 credit cards. After trying to extend credit to finance the vacation and we were denied (best thing to ever happen to us) we realized we made too much money to be living like this and something had to change. I found as much information as I could on line about personal finance from personal finance blogs and I read Dave Ramsey’s book “ The The Total Money Makeover ” which really made sense to me.

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5 Pieces of Advice to Tell Your Child About Money- Part 4

Prairie Eco-Thrifter

5 Pieces of Advice to Tell Your Child About Money is a series that will run every Tuesday for the next few weeks where some of the top personal finance bloggers share their thoughts on this topic. It seems that so many kids these days have no idea about personal finance and have not been taught the skills on how to manage money for the future. Living below your means is the foundation of personal finance.

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Are Peer Loans Too Risky or the Way of the Future?

Prairie Eco-Thrifter

A borrower fills out an application for an unsecured personal loan of up to $35,000 on one of the online lending sites which verify employment and other information. Rates for loans are competitive with personal loans from traditional banks. Credit is a tool in personal finance. Despite being nearly a decade old, peer lending is still in its infancy and only a fraction of the overall consumer debt market. (Photo credit: Wikipedia).

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5 Easy Ways to Start Paying Down Your Credit Card Debt

Discount Coder UK

The following is a guest post from our friends across the pond – MoneyCrashers.com David Bakke is a financial contributor for Money Crashers Personal Finance. The level of consumer debt in both the. Finance credit cards get out of debtAfter digging himself out of over $30,000 in credit card debt, he made it his mission to help others do the same. read more.

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Yakezie Blog Swap #10

Prairie Eco-Thrifter

Everything Finance shares with us his success in growing his own veggies at Retire by 40. Narrow Bridge Finance tells us how going green has saved him some green at Mom’s plans. Sustainable Personal Finance tells us why air sealing your home is a good ide a at Financially Consumed. Financially Consumed tells how you can go green at home incrementally at Sustainable Personal Finance. Hello and welcome to the 10th Yakezie Blog Swap.

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5 Pieces of Advice to Tell Your Child About Money- Part 3

Prairie Eco-Thrifter

5 Pieces of Advice to Tell Your Child About Money is a series that will run every Tuesday for the next few weeks where some of the top personal finance bloggers share their thoughts on this topic. It seems that so many kids these days have no idea about personal finance and have not been taught the skills on how to manage money for the future. 3) You are not a consumer. Despite every news cast you will hear in your life, you are not a consumer.

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Premium Magazine Sale! Includes All You!

For the Mommas

Consumer Reports (1yrs: $19.99). Kiplinger’s Personal Finance (1yrs: $6.99, 2yrs: $13.98, 3yrs: $20.97). Today only, Discount Mags has a sale on premium magazines. This sale includes favorites like All You and US Weekly. Premium Magazines Category. Us Weekly (1yrs: $17.99, 2yrs: $35.98, 3yrs: $53.97). ShopSmart (1yrs: $14.96). Entertainment Weekly (1yrs: $19.99, 2yrs: $29.99). All You (2yrs: $19.99). Southern Living (2yrs: $22.99). Sports Illustrated (1yrs: $24.99).

Growth of Sustainable Finance to Support the Environment

Prairie Eco-Thrifter

Due to the recent financial crunch on the global platform, a majority of the investors from all over the world have realized the need for sustainable finance. The term sustainable finance has a deep inner meaning than just investing in green businesses and hoping to get a nice return. Even ethical investing can be very relative as a term as it may vary from one person to another. So, do you practice sustainable finance? Guest Posts at Sustainable Personal Finance.

Yakezie Carnival November 13, 2011- November Edition

Prairie Eco-Thrifter

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. Money Beagle: Why You Should Write Your Personal Finance Executive Summary Today – Working with a clearly defined objective is key to financial success. Personal Finance Whiz: Keynesian vs Hayekian Economics – The Solution To Our Recession?

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Yakezie Blog Swap #7

Prairie Eco-Thrifter

Ashley reminds us to spend those dollars where they will give us the most happiness at My Personal Finance Journey. Jason reminds us that making memories is what counts at Financially Consumed. Thanks to all the amazing bloggers that took part in our 7th Yakezie blog swap this week. Our topic was: “Balancing Frugality and Fun.” I can’t believe the variety of ideas and different perspectives that came out of these posts.

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Yakezie Carnival October 16, 2011- Growth Edition

Prairie Eco-Thrifter

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. Yeah, There’s a Calculator for That Refinancing your mortgage to a lower rate and paying the same amount is an interesting sound-byte from Personal Finance Bloggers – but has anyone really run the numbers? Do you review your finances monthly?

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Is Automatic Bill Pay Right for You?

Prairie Eco-Thrifter

Automatic bill pay can be a great help to many consumers who want to make sure that their payments are made on time and in full. And, even if you stay close to home, it’s nice to know that your finances are moving smoothly. Anytime you automate a portion of your finances, you need to be aware of your cash flow. How does your money move through your personal economy? Remember that personal finance is, in fact, personal.

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New Year’s Resolution: CreditSesame.com

Nicoles Nickels

Credit Sesame : Credit Sesame is a 100% FREE personal finance credit and debt management tool with no credit card required or trial period. Credit Sesame makes managing personal credit online, owing less in interest and saving on mortgage, loan & credit card payments easy! Take charge of your finance’s in 2012!

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Yakezie Carnival – Credit Cards Edition

Prairie Eco-Thrifter

With so many different options out there, a consumer really can get overwhelmed and into trouble if they don’t know their credit card basics. After that, while you all primed and interested in personal finance, continue and read the awesome articles that were written across the web this week regarding personal finance and enhancing your lifestyle. Finance Fox : Reasons to Buy a Car in January – After the Holidays!

Eight Things I Learned After Becoming a Millionaire

Prairie Eco-Thrifter

Managing your finances gets a lot more complex and time consuming. You won’t become a different person. My basic personality and approach to life and others has remained the same. Their parents are doing better than I did in teaching offspring personal finance, but I vowed to do better with my grand-kids than I did with my kids and so, try to pitch in and help teach them.

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How to Manage Different Investment Risk Tolerances Between Spouses

Prairie Eco-Thrifter

One is for each person to separately create their own money story by thinking about things such as: 2 of your earliest money memories. The other is to find out what your ‘money personality’ is by rating your money use, acquisition and management tenancies as one of three states: Acquisition: Avoidant Secure Insatiable. It was developed by two university personal finance professors one at Virginia Tech and the other at Kansas State University.

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Cool Things I Read This Week

Prairie Eco-Thrifter

Prairie Eco-Thrifter has Been Featured in the Carnival of Personal Finance # 297 [link] #. Prairie Eco-Thrifter has Been Featured in the Canadian Finance Carnival # 24 [link] #. How to Become an Earth Friendly Consumer [link] #. RT @ Green_Panda Handling Your Finances – What is Being Frugal? Tweet. 0 saves Save. Cool Things I Read This Week [link] #. 6 Ways to Save Money On a Gym Membership [link] #.

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Want Financial Freedom? Become an Entrepreneur

Prairie Eco-Thrifter

It wasn’t very long before I decided that life was too short to let my work consume every aspect of my life. He writes about his own personal finance journey at MillionEndeavour. Many people are finding their path to financial freedom through entrepreneurship. Not only does starting up your own business free up your time, but it also means that you are only accountable to yourself and no one else.

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Carnival of Financial Planning – Money Management Edition #231

Prairie Eco-Thrifter

Wayne presents Purpose of Budgeting posted at Young Family Finance , saying, “Are you left wondering why you should budget? Justin presents Know the Common Mistakes with Your Personal Finances posted at Budget Snob , saying, “Many people make the same financial mistakes. I have finally listed many of the financial resources, firms, services, and products that I personally use and recommend. posted at Personal Finance Whiz , saying, “*No.

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Four Easy Ways to Save on Basic Necessities

Prairie Eco-Thrifter

The average American household consumes more and more meat every year and prices are skyrocketing. Next, data packages were added as cell phones turned into miniature personal computers. 8 Ways to Save Money on Groceries Without Coupons Over my many years of environmental and personal finance writing, one of the most common things I get asked for. People across the country are reining in their spending and pinching pennies in a concerted effort to save more money.

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Festival of Frugality #271- 10 Movies, 10 Lessons Edition

Prairie Eco-Thrifter

posted at FIRE Finance , saying, “We decided to optimize our grocery expenses and pull the strings on our food budget even tighter. FMF presents Five Retro Rules to Save Money posted at Free Money Finance , saying, “These tips from the past can save us all some big bucks.&#. Consumer Boomer presents How To Be Frugal With Your Credit Card posted at Consumer Boomer , saying, “Frugal use of a credit card can actually save you money rather than cost you money!

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Emergency Funds: Emergencies Happen When You Least Expect It

Family Balance Sheet

Three to six months living expenses used to be what the personal finance experts recommended, but in today's environment, maybe six months to a year is more prudent. Many personal finance experts believe in building an emergency fund to $1000 to get started and then pay off consumer debt. I like this strategy, but I personally don't think $1000 is enough to start with.

How to be a Frugal Family

Prairie Eco-Thrifter

Food items like fresh produce or food items that expire easily should not be bought in bulk or you will find them thrown into the trash before they can be consumed. 8 Ways to Save Money on Groceries Without Coupons Over my many years of environmental and personal finance writing, one of the most common things I get asked for. Being frugal these days is very important.

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How To Excel At Your Primary Job

Prairie Eco-Thrifter

For most of us, it’s either reading or writing about personal finance and/or self-improvement. It only consumes a few hours each night. Just keep in mind, the person above you could be faking it like you – but obviously they’re better at it than you. Is a penny saved really a penny earned ? Are you having déjà vu? Don’t worry – I’m not repeating myself. In my first article at Prairie Ecothrifter , I wanted to introduce two things: mental accounting and earning income.

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How to Quit Smoking Naturally

Prairie Eco-Thrifter

I personally can’t stand smoking. When you start something new, you are usually totally consumed by it and this intensity can help keep your mind off wanting to smoke. Book into a series of classes or hire the services of a personal trainer who will be able develop a structured fitness program suited to you. Question for you: Are you a smoker? Did you used to smoke? Do you know someone who smokes or has smoked? Chances are you answered yes to this question.

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Secret tips to creating an online savings budget – Is this the way to financial freedom?

freestuff.tv

Check out this guest post by Angela from Debt Consolidation Care: It needs no mention that budgets and savings play a pivotal role in assisting consumers in paying off debt. Here are some secret tips in creating a budget that can rejuvenate your personal finances and become debt free. Want financial freedom? Well that’s a pretty dumb question but for most of us, we fail to act on our desires.

Get Debt Free With DIY Debt Settlement

Prairie Eco-Thrifter

Guest Post Author Bio: This guest post was written by Frank Collins, a professional writer specialized in topics related to personal finance, debt relief, credit repair and more. Debt settlement companies have a reputation of scamming consumers out of their money and doing little or nothing to pay off their debts.

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Investment Methods

Prairie Eco-Thrifter

Much of the information in it is basic personal finance guidance (with a biblical twist). Although we tried diligently to follow this at one point in our lives, we found it a bit too time consuming to really follow it long term. I personally know of a 43 year old guy has done all of the above. I’m always on the look out for investment books I haven’t yet read. I pick up a lot of them at garage sales for 25 cents to a $1.

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The One Most Important Thing You Need to Get Rich

Prairie Eco-Thrifter

Buying personal finance books at garage sales and reading them one after another to make sure you have a basis of knowledge on money management. Periodic scanning of internet finance information to keep current and learn new concepts – such as how to get the investment product with the lowest fees, highest return and least risk. Otherwise it was too boring, too labor intensive and too time consuming to do. What do you think it takes to get rich?

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Save Money with Geothermal Heat

Prairie Eco-Thrifter

Guest Post Author Bio: Jordann is a part time runner, yogi, local foodie and personal finance aficionado, and a full time marketing professional living and working in Atlantic Canada. With gas and electricity prices spiraling, consumers are looking for ways of saving money. One of the biggest costs to home ownership is the energy cost associated with owning a home.

Link Love Carnival #1

Prairie Eco-Thrifter

Personal Finance. A Noton shares Information About Mortgage Brokers Responsibilities. &# When a person is looking for the best deals on mortgages it is important to know what a mortgage brokers responsibilities are. Much of the things done by a broker could potentially be carried out by the individual interested in these types of loans, but for the average person this could prove quite overwhelming and they may not be able to get access to all the deals available.&#.

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Frozen Magazine Subscription – $14.50

Saving With Shellie

And be sure to check out the other deals happening at Discount Mags today: Consumer Reports – $19.99/year. Kiplinger’s Personal Finance – $6.99/year. Get a subscription to Frozen Magazine for just $14.50 today. Just use coupon code SAVINGWITHSHELLIE at checkout to take advantage of this deal. You can buy up to two years at this price. This deal is valid today and tomorrow only (6/5 – 6/6) and is valid on new or renewal subscriptions.

Savings Nation and Couponing Workshops (Nation-Wide)

Saving Cents With Sense

It focuses on consumer health, which means spending less so you can live more. It means setting personal finance goals that result in your ideal lifestyle. Join me and Savings.com as we focus on consumer health –. It has been a LONG time coming – and I know many of you have been asking, which is why I am SO EXCITED to let you know that I will am teaming up with Savings.com to bring you Saving Cents with Sense Coupon Workshops in the Phoenix area!

Enter to Win $250 for Back to School + Free Credit Report

For the Mommas

Credit Sesame will help you manage your finances, and unlock your credit potential. Credit Sesame is a free online personal finance tool that gives consumers an easy way to monitor and manage their credit and loans all in one place and save money on debt. It provides consumers with free access to their credit score every month, analysis, advice and tools to take control of their finances, unlock their credit potential and borrow smarter.

Introducing Savings Nation and Couponing Workshops

Saving With Shellie

Do you set personal finance goals? Join me and Savings.com as we work to promote Consumer Health. You’ve been asking and I’m so excited to announce that Saving with Shellie Coupon Workshops are coming soon!

Enter to Win $250 for Back to School + Free Credit Report

For the Mommas

Credit Sesame will help you manage your finances, and unlock your credit potential. Credit Sesame is a free online personal finance tool that gives consumers an easy way to monitor and manage their credit and loans all in one place and save money on debt. It provides consumers with free access to their credit score every month, analysis, advice and tools to take control of their finances, unlock their credit potential and borrow smarter.