Tuesday, May 12, 2009

3rd Edition of the Bugs Munny Blog Carnival

Here is the 3rd edition of the Bugs Munny Blog Carnival. Enjoy the posts!

Blogging for Money

Heather Johnson presents 50 Best Firefox Add-ons to Make Holiday Shopping Easy (And Save a Ton of Money) posted at The Daily Netizen.

Julie presents Credit card issuers cut TV advertising posted at

Kano presents Making Money Online - Blogging posted at Online Money Making Guide, saying, "A blog is a good way to start out in your online money making career. This post why blogging and Blogspot in particular can be a great first step when starting out with your online endeavors to earn extra cash."

Investing Angel presents Why Most Investors Buy High And Sell Low » Free Stock Market Investing Tips posted at Stock Tips, saying, "Some ways to avoid the mistakes of buying high and selling low."

Patrick @ Money Saving Deals presents GoDaddy Coupon Codes posted at Cash Money Life Deals, saying, "Big savings on Domains and Hosting at GoDaddy!"


imarketing4s presents 4 Useful Tips to Get Out of Bad Debt posted at Free Debt Consolidation: Qualified Financial Management.

Ken Schulte presents How To Generate Your Own Alternative Energy At Home | Alternative Energy Secrets posted at Alternative Energy Secrets, saying, "Alternative Energy Secrets is all about exploring avenues of living greener and helping out the planet. Saving money is also a great topic of discussion as well."

Kelly Tolman presents How is a Credit Card Different From Other Cards? | Credit Help 2 You posted at Credit Help 2 You.

Sandy Naidu presents Credit Card Debt - Debt Consolidation | FutureNestEgg posted at Future Nest Egg.

Mike Leonard presents Is Inflation a debtors’ best friend? posted at Until Debt Do Us Part.

Alan Skorkin presents How To Save Money As A Student posted at Software, Technology and More.

sherin presents How do you prepare for losing your job posted at Investment Internals, saying, "A strategy to build a financial shield to overcome all the financial problems that can affect your smooth life. It is a must article for those who fear about losing of job"

Michael Bass presents How to get a cell phone with no i.d., no passport, and no credit card posted at Debt Prison, saying, "I thought it would be a great idea to write an article about getting a cell phone if you don’t have a credit card, a passport, or even an i.d… These phones are called ‘pay as you go’ and work quite well."

B.M. Garrett presents How to beat the credit crunch posted at Blogciety, saying, "All we read about lately is the credit crunch and the major impact it is having on the everyday lives of people in several countries. Indeed, the time has come for many of us to reevaluate how we live. While this task will generally be approached with some reluctance, it can also be viewed as an excuse to revert to a simpler and more rewarding way of life. The benefits are not only financial, but physical and psychological too. Here are some tips"

Vicky presents Are Wedding Videos Worth It? posted at Affordable Wedding Planning, saying, "An analysis of whether wedding videos are worth the cost."

Gregory E. Rouse presents How to Live Under Your Means posted at Frugal-Living-Skills Blog, saying, "One of the first principles of self-reliance and frugal living is the counsel to live under our means and if followed can be a foundation on which to build the other principles. The problem is that most people are not sure how to actually do it, they need a specific plan. To achieve this goal a family or individual can use the 70/30 Rule as their plan."

Growing Wealth

Scott Host presents How to find a web hosting company posted at, saying, "This site ranks webhosts based on reputation, longevity of the business, cost, customer service, storage space, bandwidth, setup costs and features. You can sort your search by budget hosting, windows, or linux hosting, ecommerce hosting, reseller hosting and if they also offer domain registration."

Investing Angel presents Is Trading For You? » Free Stock Market Investing Tips posted at Stock Tips, saying, "Find out if the life of a stock trader is for you."

Raymond presents The Top 5 Online Banks For High Interest Savings and Checking posted at Money Blue Book.

Sandy Naidu presents Warren Buffet?s Advice posted at Future Nest Egg.

Wenchypoo presents Frugality as a Recession Fighter and Depression Killer (L-O-N-G) posted at Wisdom From Wenchypoo's Mental Wastebasket, saying, "An article that tells WHY to save--so we can grow rich despite the economy."

Call Center Consultant presents Agent Occupancy / Agent utilization | Call Center Consultants, Software, Outsourcing, Jobs, and Solutions posted at Call Center Jobs, saying, "A study of agent occupancy vs agent utlization in call centers."

FinancialHealthGuy presents Take Responsibility For Your Financial Health posted at Financial Health Guy.

Gregory E. Rouse presents Hobby Money posted at Best-Home-Business-Opportunity Blog, saying, "I remember the first time it dawned on me that I could be making money playing in the outdoors and doing what I love."

Mike Pastore presents Can Money Buy Happiness? posted at Mikes


Heather Johnson presents What Would a Return to the Gold Standard Mean for You? posted at Currency presents Coupons and Price Compare ?Price Compare posted at Coupons and Price Compare, saying, "Coupons Discounts, Price Drops and Price Comparison Tools on everything you buy. Save on every purchase every day. Our unique price comparison tool updates prices on millions of items from hundreds of sites daily. Compare from every top merchant on the internet, find free shipping and save on taxes at"

KCLau presents How Fundsupermart will Revolutionize the Unit Trust Industry in Malaysia posted at KCLau's Money Tips, saying, "About iFast Capital, the future of unit trust investing in Malaysia. As well as how the company would revolutionize the unit trust industry."

Raymond presents Where Is The Safest Place To Save Or Invest Your Money? posted at Money Blue Book.

Praveen presents Taking out the DOG... posted at My Simple Trading System.

Carnival of Financial Goals presents Pros and Cons of Dollar Cost Averaging posted at Cash Money Life, saying, "DCA may be a good move in the current economy."

Aussie Investor presents Stock Market Education For Beginners - Learning From Your Mistakes posted at Stock Market Investing For Beginners, saying, "We all make mistakes with our investments. This article describes how you can learn valuable lessons about investing by going back and analyzing your stock market losses."

Denis Dobrochasov presents Taken for a Ride posted at Chasov Blog - Your World Insight, saying, "Chasov Blog publishes professional and quality content discussing a wide variety of subjects and providing contrasting points of view on different subject matters. Some topics of interest include business creation, network marketing, life events, relationships, money, banking, news, television, movies, travel, education, biking, gardening, fitness and a variety of others."

Investing Angel presents Investments To Avoid posted at Stock Tips, saying, "Some investments to avoid - especially in the coming recession!"

The Fund investor presents The Hidden Advantage Of Mutual Fund Investing posted at Mutual Fund Investing Tips, saying, "Mutual fund investing is a good way to prevent making investing mistakes."

Jayson Gibson presents Hope for Homeowners Act of 2008 ?What's At Stake? posted at New Homes Section Blog, saying, "Information about the Hope for Homeowners Act of 2008. Details about problems in our current economy and how each problem relates to the Hope for Homeowners Act of 2008."

Market Breaker presents It?s Been A Brutal Year posted at Stock Investing Tips, saying, "This year has been the worst year for the stock market since the Great Depression."

Investing Angel presents Learning Financial Planning through Asset Allocation » Free Stock Market Investing Tips posted at Stock Tips, saying, "Some ways to learn about financial planning."

The Fund investor presents Bear Market Mutual Funds posted at Mutual Fund Investing Tips, saying, "The one type of mutual fund investor that has made money in 2008 are those that have been investing in inverse mutual funds"

Lawrence T. presents Margin Loan | Types Of Loan - Types Of Loans posted at Types of Loans, saying, "A margin loan may be a good way of paying off credit card or as a source for other financing needs. Margin loans need to be used carefully though, since you want to avoid a margin call."

Laws of Money

Ace Elliott presents Learning About Debt Relief Programs posted at Care on Credit, saying, "Do you know the myths of debt relief? There is a lot of misinformation out there and you deserve to know that facts to manage your debt better. Educate yourself and reduce your debt quicker."

Carole Gold presents Chaos: What You Can Do posted at McKay Today, saying, "How you see it... is how it is! See abundance."

Ben Dinsmore presents ***FINANCIAL CRISIS*** A Personal Finance Blogger's Rant posted at Trees Full of Money, saying, "There were some people that argued that America couldn't sustain this standard of living, but eventually more and more people bought into the hype that you were "missing out" if you didn't purchase a McMansion or cash out your home equity and buy a new BMW."

Low Stakes Grinder presents Ways To Practice Poker posted at Low Stakes Poker Player, saying, "Here are some cheap ways to learn to play poker."

Terry presents How To Get A Loan With Bad Credit posted at Credt, saying, "Discusses how you can put yourself in a better position should you suffer from a poor credit rating ot history."

Patrick @ Military Money presents Watch Out For Stimulus Check and Government Grant Fraud! posted at Military Finance Network, saying, "Tips on how to guard your identity and avoid online rip off scams like the infamous government grant scheme."

Passive Income

Debt Wizard presents Credit Cards- What To Look For posted at Money Help, saying, "The right credit card for you depends on your spending habits and if you are able to fully pay off your credit card each month."

BankMan presents Get a Free Garmin GPS at Key Bank posted at High Yield Savings Accounts, saying, "Get a free Garmin GPS system for opening a free checking account at Key National Bank. This offer excpires soon!"

That concludes this edition. Submit your blog article to the next edition of bugs munny carnival using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.

Saturday, May 2, 2009

Setting Reachable Financial Goals by Elizabeth Williams

Creating a budget is a common need for everyone to tackle in order to put their money to work. However, before a budget is established, financial goals need to be set in order to provide a basis for the budget. The financial goals provide the long term motivation to stay with the budget.

Clear and concise

Any goal-making should be done in a clear and easy to understand manner. Specific goals should look something like this: retire by age 65 with $1,000,000 in retirement investments. If you say “I am going to go on a vacation in the Caribbean” with no details behind it, then that does not qualify as a goal. It is only a simple assertion of your intentions.

You need to take time to think about what you want your goals to be and then write them down on paper. Even if they are somewhat unclear or lack adequate details, you can add those after you have them committed to paper.

Short, Mid, Long term goals

Once you have your goals on paper and have taken the time to add the details about them so that they are goals and not just statements of your desires, then you need to separate them into groups based on the duration it will take to reach them. This way, you will know what you need to begin to work on right away, and what can wait.

Once you have them segregated in this manner, you can look at your short and midterm goals to see if there is a natural progression towards your long term goals. Must they all be this way? No, but if you have those goals which are progressive, then you will be able to perform the short term before long term. A good example of this would be a goal to obtain a degree in nursing before you can reach your goal of being a nurse in a hospital.

Reachable goals

Realistic goals are reachable goals. For example, if you are ready to retire, but have a goal to begin to work towards making a billion dollars by the time you are 70, then this would be considered unreachable. If you make goals this way, you will become disillusioned and stop paying attention to goals at all because you never reach those which you set.

Take a look at your goals and see if you can break the individual goals into smaller ones that will help you see some progress towards the larger goal.

Flexible goals

Because of life events, sometimes our goals must change. If there is a passing of someone who was a major part of one of your goals, you might have to change that goal. Do not be afraid of changing goals if circumstances dictate. Only be concerned about wanting to change them in order to satisfy an emotional and temporary feeling or desire. You might not be able to forgive yourself for breaking that goal and taking yourself out of your dream.

These tips work for not only financial goals but any other goals that you make in life. Use them to help propel yourself towards your dreams.

Elizabeth Williams, Editor-in-Chief for makes it easy to compare and apply for a variety of credit card offers featuring low balance transfer rates. We are the leading source for searching 0 apr balance transfer offers online.

Monday, December 22, 2008

12 Ways to Not Go Broke Over The Holidays!

Time is running out for Christmas shopping, but you can still save money with my 12 days of Christmas list of ways to save money over the holidays. Follow these steps, and you'll avoid a credit card hangover in January.

1. Shop online, especially if you are buying electronics. Online retailers have less overhead, more rebate promotions, and they will lower their prices deliberately to compete with brick-and-mortar retailers.

2. Pay Cash for your gifts. I'm talking about paying with cold, hard cash. Studies have shown a correlation with increased spending when using plastic, even if it's your debit card. Remember, negotiating price is easier when you pay with cash.

3. Stay away from shopping malls. I have no clue why so many people are drawn to the atmosphere of a busy, crowded shopping mall. All of the most expensive retailers are in the mall, because they are the only ones that can afford the lease agreement in shopping malls. The frenzy of watching everyone else spend might influence you to spend over your budget. There's a reason why shopping malls constantly pump music in your ear. They know that it motivates you to get into the holiday spending spirit!

4. Do your research. If you prefer seeing the gifts before you purchase them, then go online first and do pricing research to make sure that you are getting the best deal. iTunes has an application for the iPhone and iPod Touch that allows you to scan a 2D or 1D bar code and receive tons of pricing research from other retailers.

5. Avoid impulse buys. Sometimes we see something that looks, smells, and feels like a great deal, but in reality it's not that great of a deal. We get caught up in the moment of shopping, so we go ahead and purchase something without much thought. To avoid this, if you see something that you weren't planning on buying, put it down and sleep on it. If you still want to buy it the next day, then go back to the store and buy it. This will avoid buying lame gifts that seemed make much more sense when you bought them.

6. eBay is still a good resource for hard-to-find gifts. If you are looking for a collector's item or antique as a gift, eBay is still the leader and best place to find a bargain on these items. Clothes are also great items to buy on eBay. I would avoid buying everyday electronics on eBay. It's too risky, because many of them are not new, or they are imposters made to look like the actual product.

7. Write down everyone you want to buy a gift for and put a dollar amount next to each of their names. For instance, mom gets a $50 gift, sister gets a $30 gift, and so on. It sounds like you are taking away the "spirit" of giving by placing a set dollar amount on gifts for each person, but in reality it helps you budget your gift giving. And remember that it's not about the gifts, it's about the thought and time you put into thinking about someone.

8. Do your December budget without factoring in Christmas bonuses. The holidays require a lot of extra cash to have on hand. Save your Christmas bonus for gifts, holiday food, and having fun. It's the holidays, relax and have fun with your family! If you already budget out your bills with your normal income and save the bonus for Christmas expenses, then this will save you from using credit cards on the holidays.

9. Be a creative gift giver. Many of you have a ton of talent when it comes to making crafts. Being creative and making a gift for someone can turn out to be a much better gift than receiving another Gap sweater. When faced with giving a gift to your parents who seem to have everything, go with something sentimental that reminds them of you or family memories. They'll eat it up with a spoon.

10. Spend time spending time with loved ones. So many people go to the movies and spend $8 on a ticket and $20 on food and candy. All this does is get you fatter on the holidays and avoid having to talk to your family. Play a board game, go bowling, or go to the park during the holidays. Try doing something that facilitates more time to catch up on what's going on in your lives.

11. Make the most of your leftovers. Another thing people do is go out to eat more on the holidays. Again, i'm not a scrooge, so live it up on the holidays, but don't go overboard. You'll spend more money on groceries over the holidays, so utilize and be creative with the yummy leftovers in your fridge.

12. Host a pot-luck New Year's Eve party. You'll spend much less money having a party at someone's house rather than going out somewhere, plus it's safer than going out. Ask your 8 - 10 closest couple friends over and assign them with a different food category to bring over. Some music, good laughs, and games will bring you through to the new year without killing your wallet.

About the Author

PeopleJam is the #1 resource on the internet for self improvement articles and reviews.

Sunday, September 28, 2008

2nd Edition of the Bugs Munny Blog Carnival.

You loved the last one, now here it is. The 2nd edition of the Bugs Munny Blog Carnival that is growing in popularity. Enjoy and leave comments.

jcr8392 presents Common Mortgage Terms Explained posted at Truthful Lending dot Com, saying, "This is a glossary of some of the more common, and most important mortgage terms. This list will help to familiarize you with some of the terms you should know to find the best mortgage program for your needs."

Andrea Smith presents Low Interest Debt Consolidation: Can That Really Attractive Loan Package Actually Be Hazardous To Your Financial Status? posted at Free Debt Consolidation: Qualified Financial Management.

Praveen presents Don't Be A Seminar Junkie posted at My Simple Trading System.

Mac presents 10 Ways To Save A Dollar During Hard Times posted at Actorlicious.

Praveen presents Lehman, Merril Lynch, and AIG Lead to The "Unbubble" posted at My Simple Trading System.

Jeremy Zongker presents Free College Education Exists posted at Destroy Debt.

Erika Collin presents Fannie Mae and Freddie Mac: What Next? posted at Currency


imarketing4s presents Wise Debt Consolidation and Budgeting posted at Free Debt Consolidation: Qualified Financial Management.

Faron Benoit presents 5 ways to save money on gardening Financial Learn posted at Financial Learn.

FIRE Getters presents Save Your Wallet With These Penny Hacks posted at FIRE Finance.

AmberJones presents Geezeo: Free Online Personal Finance Management Software, Budgeting Tools, Financial Advice and Community » Blog Archive » The 10% Rule posted at Geezeo: Free Online Personal Finance Management Software, Budgeting Tools, Financial Advice and Community.

Linda W. presents Budget Engagement Rings posted at The Eclectic Female, saying, "You may be able to score a great engagement ring for much less than you think."

Raymond presents 0% Balance Transfer Credit Cards posted at Money Blue Book.
Growing Wealth

KCLau presents How not to Spend that Money? posted at KCLau's Money Tips, saying, "Article on how to prevent spending unnecessary money. Also 3 methods on how to do so."

Jon Li presents New Behaviour Techniques that Help You Save Money posted at - Personal Finance Portal, saying, "Learn new money saving behavior techniques that will improve the health of your personal finances."

Raymond presents How To Apply For An American Express Black Centurion Card posted at Money Blue Book.

Card Blogger presents The Best Credit Cards posted at Credit Card Blog.


Investing Angel presents Investments To Avoid posted at Stock Tips, saying, "Certain types of investments should just be avoided by beginner investors."

The Stock Teacher presents Speculating On The Election posted at Stock Investment, saying, "If you think McCain is going to win the election, certain stocks may be worth betting on."

Laws of Money

Raag Vamdatt presents You are 30 - Think of 50: Impact of inflation on your budget :: :: Financial Planning demystified posted at

Sherin Devassy presents Money lessons to kid posted at Investment Internals, saying, "Teach your kid about money and how to deal with money at various ages. Let them achieve financial wisdom when they start earning."

Helen Anderson presents 6 Safe Places to Invest Your Money posted at Bankaholic.

Raymond presents How To Generate Valid Credit Card Numbers posted at Money Blue Book.
Passive Income

Raag Vamdatt presents An Introduction to Reverse Mortgage :: :: Financial Planning demystified posted at

Save Money presents Get FREE Gift Cards from Blue Cross Blue Shield posted at How I Save

Blogging for Money

supermom_in_ny presents Freebies4Webmasters.Com: An Easy Way for Bloggers to Make Money posted at Getting Out of Debt, saying, "This is an easy way for bloggers to make money online."

That concludes this edition. Submit your blog article to the next edition of bugs munny carnival using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.
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Make Money During a Slow Economy

The economy is tough and the media isn't making anyone feel better about the future. Money is still out there and here are some proven ways to make it.

Sell stuff you don't need-I had a friend who recently had a garage sale at her home. She made about $300 in one afternoon. When I asked her what she sold she said, "nothing of real significance." You'd be amazed how much people will pay for your stuff. Tip: Jewelry and tools are hot items.

Referee at a local league-Local city leagues and schools hire people to referee their sporting events. If you know enough about the rules in sports like baseball, basketball, football, and hockey you can apply to become a ref.

Teach what you know-If you have knowledge of a subject you may want to consider teaching that subject part-time. There are many different ways you can do this. You can offer a one day class on the subject and charge a small fee. or maybe you can teach at adult education schools.

Pizza delivery in a good neighborhood- If you have a reliable car, this is another good way to make extra cash. Pick your pizza store location carefully. You want to be in a good area so that the customers tip well.

Start a small business-If you have a talent or service you are able to provide, you can become your own boss. Well, your own part-time boss anyway. Starting a small business is getting easier these days. If you know how to do anything well, most likely someone is will to pay you to do it.

Write for money- If you have some talent, you may consider writing for money. There are three sites that I write for that will pay for good articles.

Helium-This site gives you topics that you can give your opinion on. Your article gets rated by helium visitors and ranked based on votes. Helium shares a portion of the ad dollars that they make with you. The more your articles get viewed the more money you make so you have to write often in order for the money to really add up.

Associated Content-This site gives you the option to sell your articles to them and they would offer you a price for them. Or, you could also post articles and get paid per page impressions. Either way if you're a decent writer you will earn some income.

Constant Content- This site is not for your ordinary everyday blogger. This site gives you the option of submitting an article to them that is posted and available to be sold to anyone who would like to post the article on their website. Be careful, if they reject three of your articles because they weren't good enough, they will cancel your membership. So take a look at the type of articles they accept beforehand.

Valet park at nice hotels-It seems the extremely rich have not yet felt the sting of a slow economy. They are still traveling and they are still tipping their valets well. My brother-in-law recently started doing this for some extra cash. There two big advantages of this job.1. You go home with cash in your pocket every night.2.You get to test drive a Ferrari, Lotus, and a dozen different Benzes all night.

Multi Level Marketing- Sometimes called a pyramid scheme, most people shy away MLM. Most times it is a good idea but there are some programs that can earn you a some passive income. Think objectively before making any decision. Most MLM programs don't work but I know some people who are making about $1,000 a month. You can be successful at this but it does take some work.

Other ways to make money
-Ask for a raise
-organize events
-take surveys online
build a blog or website

Thursday, September 11, 2008

In Sickness and in Wealth By: Tom Justice (Guest Post)

For StartersWhen asked to name an effective way of obtaining wealth, a common answer is: "Invest". What is the problem with this answer? Well, the majority of respondents have very little or no money in their savings account. I see the beginning of wealth building in a different light. A saying that almost everyone knows but nearly no one applies is: "A penny saved is a penny earned". In today's culture it is definitely much easier to spend money than it is to save it. The average American is exposed to 247 advertisements in one day! Less than 5% of Americans have at least $3000 in savings and no debt. It is no wonder that most consumers struggle with saving money or grasping the concept of building wealth. We are mentally flogged with television and radio commercials, newspaper and magazine ads, billboards, signs, posters and even conversations. Whatever the method, it all serves one main purpose - to take your money and make it theirs.

Unveiling the Mystery
So with all those statistics and all that advertising, how in the world is it possible to build wealth? Well consider yourself ahead of the game already. By reading this article you are opening your mind to ideas and concepts which could help you to begin the process which is more than can be said for most people out there. A house starts with a single brick and the same is true with wealth building. You have to start with what you can and keep adding to it.

Why not jump in to stocks, mutual funds or other investments right off the bat? Life will continue to happen whether you plan for it or not. So plan for it. You must start with a lump sum of money in your savings account which has been referred to as an "emergency savings". A good figure for this is $1000. You MUST pay your savings first, before anything else. If you do not, your savings will not grow (or it may not happen at all). This extra money will act as a soft landing for any financial falls that can and will occur while you pay down other debts that are road blocking your way to building wealth. You must realize though; this money is first priority but can not be touched - ONLY for emergencies. By following these 2 steps:
1) Stocking up your savings with $1,000 and then2) Eliminating extra debts (with great fervor), you will prepare yourself for a much easier road to building wealth.

Making it Happen
You have to take action now or this whole savings thing will not happen. First, get a savings account. If you have one, find out what the interest rate is. Many have something like 0.25% to 1% (WHOOPEE!). Remember that you are not trying to make all your money in interest right now but since the money is going to sit you may as well look around. It is possible to land up to a 3-5% interest rate. Another option is a money market account to get a good rate although restrictions sometimes apply for things like early withdrawal fees and keeping a minimum amount in the account at all times. Secondly, as I stated earlier, take your savings off the top on payday. You have to make a painful change as well though. You may have to sacrifice some things to get that initial $1,000. This could mean no eating out or temporarily cutting out an expensive hobby. You also might want to try changing your phone company or downgrading your cable package. I hate this next idea but it is for a good cause: Drop your credit card payments below the minimum (JUST FOR NOW). Anyway, you get the idea. Cut some here - cut some there. Now, take all the figures you cut and add them together. This is what you will put in to your savings account until you reach $1,000. See, when the average person feels like they are getting ahead or even staying even, a setback occurs and sends everything spiraling downward. This is the hard part of building wealth and it is just the beginning (the first brick). However, without this extra money in savings you will tread water until you eventually drown, so stop thinking about it and start acting on it today.

Author BioTom Justice is the webmaster for Clean Credit Online and does all the designing, marketing, SEO and maintenance for the site. He has a passion for personal finance and how the economy and consumers are affected by money. To see how you can use Clean Credit Online to help you with your personal finances please visit
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Sunday, August 31, 2008

Bugs Munny Money Carnival

Here is the first edition of the Money Carnival. I've got a lot of good submissions. Enjoy

KCLau presents The Money Book: A CAP Guide to Managing Your Money posted at KCLau's Money Tips, saying, "Published by Consumers Association of Penang (CAP), a run down on how to manage your money and a list of what the money book discusses."

imarketing4s presents Reward Credit Cards - How To Make It Work For You! posted at

KCLau presents 48 Fuel Saving Tips posted at KCLau's Money Tips, saying, "Article on how to save fuel"

Praveen presents Making Money Online Through CPA Offers posted at My Simple Trading System.

KCLau presents Frugal living doesn’t mean cheap posted at KCLau's Money Tips, saying, "List of benefits of being frugal and what frugality is about"

KCLau presents What Do You Know About Bankruptcy? posted at KCLau's Money Tips, saying, "Bankcruptcy is a word that immediately brings a negative vision to our minds. It happens everywhere in the world and is not partial to a certain country, race or nationality. An article on how bankruptcy happens and how to be discharged from bankruptcy."

Michael Snyder presents 15 Things That Are Wrong With America posted at The Moral Collapse Of America.

Blogging for Money
Sarah presents Annie Duke - Duchess of Poker posted at Female Poker Player, saying, "Few women have made as large a mark on the world of female poker players as Annie Duke."

Praveen presents Be Aware of ClickBank's Dormant Fees posted at My Simple Trading System.

hank presents Good Socks - The Things I Don’t Mind Overspending And Overloading On. MiB

Smarter Money posted at My Investing Blog.

FIRE Getters presents Top 5 Ways To Trim Our Grocery Bills! posted at FIRE Finance.
siliconhaiku presents fuel money mileage posted at making money / haikus, saying, "saw this article. thought i'd write a haiku about it."

Growing Wealth
Larry Russell presents Financial Planning Reading List posted at Pasadena Financial Planner.

Toni Graybill presents Wealth - Making It Up As We Go posted at Maximize Health and Wealth, saying, "Know it, do it"

Anand presents Ian Stephens - Identity of a Wealth Builder posted at Anand Dhillon . com, saying, "This post includes a free download of Ian Stephens wealth building audio program:
Identity of a Wealth Builder. Ian went from being more than $100,000 in debt to living in a $1 million home in 3 years. In this program, he details his formula for financial success."

Sandy Naidu presents Tips On Saving Money At The Supermarket - Grocery Stores & Supermarkets FutureNestEgg posted at Future Nest Egg.

Sandy Naidu presents Behavioral Finance - Investor Psychology - Behavioral Finance Stock Market Investment FutureNestEgg posted at Future Nest Egg.

Sandy Naidu presents Emergency Fund Savings - Emergency Fund Tips FutureNestEgg posted at Future Nest Egg.

KCLau presents How a medium family can retire comfortably (Real Life Case Study) posted at
KCLau's Money Tips, saying, "a success story about a frugal family. If everyone learn to manage cash flow like they do, there will be no financial problem in Malaysia."

Slackerwealth presents ShengdaTech Inc, A Small Cap Gem from China? posted at A Slacker's Quest for His First Million, saying, "Stock analysis of a small cap materials company."

Passive Income
Phil B. presents Stop Using Credit Cards « Phil for Humanity posted at Phil for Humanity, saying, "Save money by stop using credit cards."
That concludes this edition. Submit your blog article to the next edition of bugs munny carnival using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.
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