“Carnivals/Festivals” Archive

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Presenting the Carnival of Debt Reduction #116

Thank you for stopping by this week’s Carnival of Debt Reduction. From the carnival website:

Carnival of Debt Reduction is a weekly blog carnival that highlights posts on getting out of debt. Personal debt reduction progress reports and posts about reducing debt are what this carnival is all about!

There were many submissions and as host, I have chosen to highlight the articles that follow the Carnival of Debt Reduction guidelines. Without further ado, I’ve selected a few articles as “Editor’s Picks”:

Side Effects of Being in Debt
“Being in debt certainly brings its long term side effects and I have my share too. After almost a year my networth is almost the same. I can neither ignore the fact nor get away with my pathetic financial condition. The debt that I took for getting certain things gave me an initial pleasure of owning and flaunting those things. But this pleasure had side effects too that I now realize.”

Paying as much as I possibly can vs as much as I could “afford”
“I’ve talked before about the attitude shifts that I’ve gone through in my quest to become debt free. The frugality by necessity, learning to budget and to assign every dollar a job, and losing my all or nothing attitude. But one of the things I haven’t really talked about is the shift from paying what I could “afford”, or basically, as little as I could to just get by, to paying as much as I possibly can.”

When Did the American Dream Become Debt
“This is something that has confounded and annoyed me for months if not years. Basically, buying a home always has a moniker in the media as “The American Dream”. This is actually one of the main selling point of the realtors and home builders when they try to sell to first time buyers. I really don’t understand why having a giant load of debt is considered desirable and why it should be a “dream.””

One Girl’s Quest: Getting serious about debt reduction
“A lot of debt reduction resources seem to be tailor made for people that are spending frivolously regardless of their debt load…We do not benefit from the “latte factor” principle because we have already cut back every possible expense that we can. So, what option does that leave? The only conclusion that I can come to is that you have to find a way to make more money. Period. Or you will never get ahead.”

When Does the 0% Credit Card Really Expire
“As I flipped the calendar to December, I had a note that one of the intro rates on our credit cards expires this month. I have a balance of $58,980 on my American Express In Chicago card at 0%. I looked at the terms, which I store in an excel spreadsheet, and read the following: 0% through billing period ending December 2007. Easy enough, just pay it off before the rate changes. So when exactly is that?”

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Here are the rest of the submissions about debt reduction, in the order they were submitted:

Should You Get Rid Of High-Interest Debt Before You Start Saving
“One of the most often asked questions I get is whether it is better to pay off high interest debt before starting a savings plan. The logical answer to that question would in most instances be to pay off high interest debt first.”How To Use The Law Of Attraction And Positive Thoughts To Overcome Debts
“And what changes are needed to help you to overcome your debt? There is a need for rest, relaxation, rewarding relationships, gratitude, service and good health. None of these have to die on one’s journey to prosperity.”

Psychology of 0% Interest Rates
“To the discerning and disciplined consumer, 0% balance transfers can be a useful tool. They give you an opportunity to drastically reduce fees while giving you some extra time to pay off your debt. But something else happens when you refinance your credit card debt at 0%: It removes the immediate pressure to pay the debt.”

8 Debt Signals that Tell You How Serious is Your Debt
“In this article, I also want to talk about another mindset preparation – knowing how serious your debts are. In most cases, people tends to avoid the issue of debts simply because they don’t know how serious their debts and financials are. They just don’t know they are living around the cliff and under the hot water. Because of this, most people don’t really take any actions or care about their finance until the problem becomes big enough to catch their attention.”

How to Get Rid of Credit Card Debt
“Over 75% of the United States population has credit cards or credit card debt, I am going to show you a few different techniques to paying off those credit card bills correctly.”

7 Steps Debt Reduction Illustrated
“Call each company and ask for a lower interest rate; also check if they will offer you a “no fee 0% APR” transfer*. If the first rep won’t budge, hang up and call again. There are good reps and bad reps, you don’t want to waste time with the bad ones.”

Tips to Consolidate Debt
“Consolidating debt, means that you bring together different loans and debts and place them in one or two specific accounts. This makes it easier to manage. Also consolidating debt often enables a lower interest rate to be gained.”

Great Credit Card Paydown
“It’s exciting to think of this new plan and to actually watch chunks of debt go away - but I know that regardless of the plan, the amount that I have to work with (my paycheck) doesn’t change and that it will take time, perseverance and some of that mental toughness that no one writes about…well…except for a blogger or two.”

Spread Thin? Spend Less and Earn More (and Get a Bonus)
“I’m feeling a little spread thin this month, and it’s making it hard to have patience. I really want to be throwing all of my money at my debt snowball, but unfortunately that’s just not possible right now.”

Debt Reduction Seminars
“Have you ever gotten those mailings that have two tickets in them for you to come to a hotel and sit through a seminar on how to make money, reduce your debt, buy real estate or the like? It appears one person had a question about them.”

Free Book: 7 Steps to 720
“That’s why I’m giving away my copy of 7 Steps to 720. I want somebody else to benefit from it like I did. It is an easy read since it’s only 115 pages long.”

Taking stock: How to Set out Your Statement of Affairs
“Once you’ve got it all recorded, you can update figures as your earnings, debts and spending patterns change, and model how much more money you’d have if you paid off your credit cards, or swapped your Sky TV subscription for a free library pass.”

Get to Know Your Credit Card Grace Period
“By paying off the balance in full within the grace period, consumers can avoid being hit with costly finance charges. But if you carry a balance each month, chances are you’re accruing interest on both the existing balance and any new purchases made, regardless of whether you pay off those new purchases within the grace period.”

Debt Reduction Tips from a Debt Free Mommy
“The vision of a debt-free lifestyle came early for me. My husband and I married at the tender age of 23. Like many newlyweds, we wanted a wedding, a honeymoon and a home to call our own.”

Step to Take to get out of Debt
“You cannot manage something you cannot measure. But it does not necessarily mean you should have all the details to have a good start. The initial things you should be aware of to re-establish your financial existence is to calculate how much you owe, how much you earn and how much you spend on a given time period.”

Take Control of Your Financial Situation – Part II
“Increase your income through either a higher paying job or a part-time business, and reduce your bad debt. Since the US economy is hemorrhaging with debt, this is what will be the focus here.”

Minimum Payment Gone Haywire
“What has changed on this account is our minimum payments. I pay attention to the minimum payments because, as our smallest interest rate in the snowball, that’s all I pay.”

Debt Reduction Tip: Divide and Attack
“Are you overwhelmed by the thought of trying to dig out of $15,000, $30,000, $60,000, or more of debt? Whenever the task at hand doesn’t seem possible, step back and divide the problem into small pieces that you can conquer.”

New! Free ‘Get Out of Debt’ Teleclass.
“If you’re struggling to make ends meet, or if your debt keeps you up at night, then this teleclass is for you! This is a free teleclass. All I ask is that you give me your most urgent ‘get out of debt’ and credit card questions.”

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Here are the other submissions that didn’t quite fit into the Carnival Theme, but are interesting:

Make coffee at home and save money
What Is The P/E Ratio And What The Price Earnings Ratio Means
Top 21 List of Financial Sotfware and Application for Efficient Money Management
The calm before the storm…
Go Outside the Box for Great Holiday Gifts
At Home Naturally
Frugal Friday 33: Saving Money on Christmas
How to Make Money Off Interest Free Credit Card Offers
It’s All Cash for Christmas
Be Rewarded for Shopping
How To Improve Your Skills And Get A Lucrative Job
How To Safely Borrow For A House Purchase
3 Reasons Why I Can’t Cry for Countrywide
Don’t Buy Things You Don’t Really Need For The Prestige Factor - Save The Money Instead

Thanks to those who entered the carnival and next week the carnival heads on over to Plonkee Money.

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Sometimes alternative student loans are the most viable loan option. No matter how you get the funding for your education put your studying first. Make your money for college work for you!
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Posted by Tricia on December 3, 2007 at 8:47 AM in Carnivals/Festivals | 21 Comments »
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Last Carnival Reminder

The Carnival of Debt Reduction will be here on Monday. If you are a blogger, please get your submissions in soon!

NOTE: I have been looking at the submissions and a lot of them are articles about saving money or making money. Some of them don’t even contain the word “debt.” That information is great, but this carnival is about debt reduction. Articles must be related to debt reduction to be included front and center in this carnival.

Thanks!

Posted by Tricia on November 30, 2007 at 1:37 PM in Carnivals/Festivals | 4 Comments »
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Guess What’s Arriving on Monday

The one…the only…Carnival of Debt reduction will be here on Monday. If you are a blogger and have written an article that is about debt reduction, make sure you visit the Carnival of Debt Reduction site and submit your article for inclusion. Your submission is due by 5 PM EST on Sunday, December 2.

In the meantime, feel free to check out this week’s Carnival of Debt Reduction at BeingFrugal.net. You will learn about debt as well as Christmas around the world.

Posted by Tricia on November 28, 2007 at 10:00 PM in Carnivals/Festivals | 2 Comments »
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Carnivals for the Week

I’m slowly getting back into participating in carnivals. For a while there, I kept forgetting to submit articles by the deadline.

Here’s the carnivals I participated in this week:

Carnival of Debt Reduction #104 at The Happy Rock.

Carnival of Personal Finance #117 at Kmull.com.

There is plenty of reading there for a while. I’m still sick and it looks like I’ll be visiting the doctor tomorrow since I’m not getting anywhere with knocking out this germ on my own. I think I need some help.

Posted by Tricia on September 16, 2007 at 8:26 AM in Carnivals/Festivals | 1 Comment »
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This Week’s Carnival of Personal Finance and the Festival of Frugality

I participated in two carnivals this week:

The Festival of Frugality over at Frugal Babe. I submitted my article on The Frugal Ways We Beat the Heat Today.

Plonkee Money hosted the Carnival of Personal Finance. I submitted my article on Operation Garage Sale: Successfully Selling Clothes.

There are lots of articles to read. Unfortunately, I haven’t had a chance to go through them yet, so I hope you enjoy.  If you find an article that you really enjoyed, feel free to share in the comments.

Thanks to Frugal Babe and Plonkee for hosting!

Posted by Tricia on August 3, 2007 at 10:17 AM in Carnivals/Festivals | 3 Comments »
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Welcome to the 107th Carnival of Personal Finance

Thanks for stopping by this week’s Carnival of Personal Finance. There are 74 submissions to go through so we’ll get right to it. Listed first are my favorites:

Start Small Finish Big

“Our monthly expenses went from $6500 a month to $1200 a month. I stopped working. Husband reduced his work week. I was 50 years old. Husband was 44. With no more mortgage payments, car payments, credit card debt, we have been able to amass an extensive retirement portfolio as well as a savings account and an emergency fund these past five years. We are making up for lost time.”

Lessons Learned from Diet Books: How to Think Like a Rich Person

“For a long time now, I’ve been wanting to write about the similarities between managing one’s money and managing one’s waistline. The kind of self-discipline involved in saving money and reducing debt is very much paralleled by what it takes to lose weight and eat healthily.”

Postponing Financial Responsibility Until You Grow Up

“Do you have a friend who keeps saying things like “I’ll be an adult when I finish college” or “I’ll grow up when I _____ (insert phrase)“? We have that friend.”

Lessons From My Daughter’s First Job

“Our daughter really wants a dog. We, her parents, however, do not want to take on this responsibility at this point in our lives. Life is chaotic enough already. However, this does not mean we can’t find creative ways to foster and support our daughter’s interest in and love of animals.”

Family is Key to Personal Finance Success

“I firmly believe family is the key to personal finance success. You can carefully plan your 401(k) allocation; you can be frugal all day long; you can pay down credit card debt. If your family isn’t behind your efforts and 100% onboard, you’ll be wasting your time.”

Some Lessons From My Wallet

“Now, I am not a neatness freak by any measure, but the stuff that I pulled out of my wallet before taking the picture almost made me recoil in horror - people probably experience that kind of feeling when they *suddenly* realize that they are deep in debt.”

Trimming the Fat: Forty Ways to Reduce Your Monthly Required Spending

“One of the biggest challenges in personal finance is figuring out ways to reduce the regular bills that we all face each month. These continuous regular expenses simply fill up our budget, leaving us less money to invest for the future - and also less money to spend on things that we enjoy.”

Career & Money Part 10: Work & Happiness

“Can a career or job make you happy? Nope. Even the perfect “right fit” career can never make you happy. Happiness can only come from inside of you. On the flip side, even if you are happy as a clam with who you are, the wrong job can make you miserable and drag you down unless you do something about it.”

And here are the rest of the submissions for this carnival, organized from the longest articles to the shortest articles:

10 Essential Travel Gadgets and 10 Not to Waste Your Money On (2,366 words)

Top Common Fights Over Money and What You Can Do To Avoid Them (1,581 words)

Do You Get Money? (1,550 words)

Are You Addicted to Borrowing Money (1,419 words)

Campaign Against Financial Myths Part 1 (1,382 words)

Credit Cards Get You In, Keep You In, Keep You Spending (1,369 words)

Budgeting - Putting Things in Perspective (1,185 words)

Making Your Money Fit Your Priorities (for grads) (1,103 words)

Account Transfer from ShareBuilder to Zecco: The Information You Need (1,051 words)

Are You Ready for a Mortgage (1,029 words)

Investing Guide for the Group of Irregular Income (1,010 words)

Lowballing versus “Junk Fees” (918 words)

Best 0% Balance Transfer Credit Card Depends on Balance Transfer Fees (913 words)

Managing Your Career in Your 20s (897 words)

What About This Core CPI? (880 words)

$10,000 Lesson on Variable Universal Life (875 words)

About Retirement - Views at 35 (806 words)

Another Financial Goal: My Very Own Full Court Basketball Court (782 words)

Down to Business (775 words)

The Way Banks Look at You Part 3 (725 words)

Thinking About My MBA - School Choices (718 words)

Polish Those Shoes (702 words)

5 Ways to Keep Dorm Life Cheaper (649 words)

Top 10 Ways to Get the Government to Pay You (648 words)

You Want Answers? (insurance fraud) (641 words)

The B Word (636 words)

Reader Question: Are Clothes a Part of Net Worth? (626 words)

Ideas to Make Some Extra Cash (616 words)

I Cashed in My Kid’s Savings Bonds. Am I a Bad Parent? (615 words)

Seven Surefire Steps to Land Your Dream Job (614 words)

Spaving: Spend Money to Make Money (597 words)

So What Did We Do On Our First Wedding Anniversary (592 words)

Why Do I Still Work For My Employer? (580 words)

Foreclosure Warnings for the Upcoming Rate Resets This Year (574 words)

Is Buying a House a Sound Investment? (554 words)

Interactive Brokers Review (549 words)

Saving Money or Saving Time? (547 Words)

Our Agent - Doing the Right Thing (535 words)

Senior Money Pit aka Grandchildren (520 words)

Run Your Own Starbucks (519 words)

Condo-Hotel Concept: Is It Worth Checking Out? (508 words)

Almost Wrapped up My Christmas Shopping Already (501 words)

Money Limerick Contest Results (500 words)

How To: Stop Receiving Credit Card Offers (484 words)

Top Quality of a Perfect Personal Financial Planner (482 words)

Retirement Withdrawal Planning… Understanding the Problem (480 words)

Pet Health - Love’s Not All They Need (466 words)

How Much for That New Car Aura (451 words)

Ditching Cable TV (448 words)

Cheap Colleges (441 words)

Why Invest in Stocks (417 words)

Canceled Cable, Saving $1500 a Year (380 words)

Mortgage Repayment (352 words)

Changing Your Job Title (not your job) Can Save On Car Insurance (326 words)

Ask for More When You’re Given a Job Offer (314 words)

I do (But…. I don’t): Decide To Be Decisive (300 words)

The Importance of Comparison Shopping (296 words)

Money Anxiety (295 words)

Can You Afford This? (279 words)

Is It Easier to Pay Back Small Amounts (276 words)

You Decide - The Best Con Artist Is (229 words)

The Cheapest iPhone Costs $16,245 (222 words)

Cutting Expenses: What Would You Cut? (203 words)

What is a Reverse Mortgage (179 words)

Retirement Savings Challenge - The Power of Compounding (178 words)

And that’s the carnival of personal finance for this week. Next week, it heads on over to Broke-Ass Student.

Thanks for visiting!

Posted by Tricia on July 1, 2007 at 11:38 PM in Carnivals/Festivals | 34 Comments »
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A Whopper of a Finance Carnival is Going to Be Here Monday!

I was notified yesterday that I was selected to host the next Carnival of Personal Finance. This carnival is by far the biggest finance-related carnival and it will be here next week.

If you are a blogger, feel free to submit your best personal finance related article from this week here. Make sure you note the submission guidelines.

I’m brainstorming ways to make this an interesting carnival. With submissions easily in the 70+ range I’m trying to think of a way to present the information (to make it easy to navigate) as well as make it interesting.

For those that read the carnivals, do you have any suggestions?

Posted by Tricia on June 26, 2007 at 11:00 AM in Carnivals/Festivals | 3 Comments »
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