Welcome to the 104th edition of the Carnival of Personal Finance. Nothing flashy here, just 78 great personal finance articles.

Editor’s Choice:
How to Buy a Profitable Rental Property @ Journey to Financial Freedom
How to Effectively Set and Track Goals @ Personal Finance 101
Love & Marriage: Show Your Spouse The Money @ We’re In Debt
Robbing Yourself of Tomorrow to Pay for Today @ Broke-Ass Student
This Is The Way The World Ends @ Frugal Zeitgeist

Budgeting & Saving Money:
5 Budgeting Blunders @ Grad Money Matters
10 Ways To Find Hidden Cash In Your Budget @ Online Savings Blog
13 Energy Saving Tips @ MoneyNing
Another Bill? Don’t Panic @ Mom’s Finance
Expense Tracking with Queercents Free Expense Tracker @ Queer Cents
How to Get Free & Discounted Movie Tickets @ Saving Advice
My New Money-Saving (and Fat-Burning) Game @ Around The Sun
Rent Vs. Own: Movies @ Cash Money Life
Save Money On Your Wedding By Focusing On the Big Picture @ Happy Rock
What to do with one big paycheck? @ Debt Free

Credit & Debt
7 Don’ts to Improve Your Credit Score @ Fil-am Personal Finance
Apparently I feel different about debt @ Irregular Payments
Bankruptcy: What You Need to Know @ My Credit Scores
Borrow Money & Lend Money at Prosper @ Lazy Man & Money
Break Even Challenge @ My Money And My Life
Closed End Mutual Funds – Should We Stay Away? @ Fire Finance
Credit Cards – The Hitman In Your Wallet @ The Money Well
Drip Drip Drip Your Way Out of Debt @ No Credit Needed
Eliminate Credit Card Debt: Avoid Promo Pitfalls @ Stop Swimming
Learn The Facts About Your Credit Card! @ Credit Card Blog
How to obtain low card interest with bad credit @ My Debt Relief Blog
The fastest way to pay off debt. @ Beacon Financial Tips

Economics
Can Entrepreneurship Be Taught? @ The Time & Money Group
Financial Illiterates @ Colonel Cash
Good & Bad Insurance @ Money & Such
How The Fed Generates Inflation @ Advanced Personal Finance
Philosophy of Giving @ The Writer’s Wallet
Wal-Mart: Love Them Or Hate Them? @ Free Money Finance
Interesting Insights Into Life Insurance From An Actuary – How He Would Buy @ The Simple Dollar

Family & Money
Children Working? @ Living Almost Large
Could Your Family Live On One Income? @ My Two Dollars
Couples at financial odds: New vs Used and so much more @ Clever Dude
Kids & Cash @ Don’t Mess With Taxes
Living Trust Confusion @ My Estate Planning Career Blog
Personal Financial Advice Young People DON’T Want To Hear @ Frugal Law Student
Rich dad gives lousy advice @ The Dough Roller
Trading Off Your Financial Security For Your Kids @ Flexo’s House of Pancakes.
Traditional Jobs For Men And Women And The Gender Divide @ Digerati Life
Women & Money @ Mom Advice

Investments & Savings
$8000 Cash in a Shoebox @ Make Your Nut
A new way to ride the overseas real-estate boom @ Everyday Finance
Analyzing Dividend Yield – But What About Payout Ratios? @ Advanced PF
Building a Balanced Portfolio @ The Mad Money Analyst
If I had a Hammer @ Moment On Money
Independent Financial Advisor or Not? @ Ask Mr. Credit Card
Investment Clubs @ Mapgirl’s Fiscal Challenge
My 401k Investment @ Growing Money
My 401k Options @ Kmull.com
Picking Stocks Like a Guru @ The Sun’s Financial Diary
Rethinking My Savings Plans @ My Open Wallet
Review of GMAC Bank @ Money Walks
Steps to Financial Independence @ Investing World Today
Ten Tips For A Newbie Investor @ Enough Wealth
Tolerance For Financial Risk @ The Skilled Investor
“What’s an ISA?” @ Plonkee Money

Making Money
How to make money by not having a garage sale @ Family Finance Blog
How to Get a Job After College @ Campus Grotto
“Is the Smith Maneuver a Secure Way to Create Wealth?” @ The Financial Blogger
Sweatshops or co-ops?: Finding sweat-free apparel @ Money and Values
What would you do for money? @ Rich Minx
“You Suck, Girl!” @ Ask Uncle Bill

Real Estate
Investing in real estate is still very risky @ Bad Credit Advisor
My House Payment as a Percentage of Salary @ My Wealth Builder
Never Prepay Mortgage? Housing Myths Part 1 @ Home Finance Freedom
The Curse of Land Transfer Duty @ Cheap as Chips

Everything Else:
A Real Life Financial IQ Test @ Smart Money Daily
Are You Rich? @ Healthcare EconomistEnvisioning Success @ My First Million
Profiles in Personal Finance: John D. Rockefeller @ Accumulating Money
Strange Bedfellows @ InsureBlog
The Money Tree : Is Like to Play in Marbles @ Success Is In You
The Secret in Think and Grow Rich @ Worldwide Success
Why I Love Financial Engines @ Graceful Retirement

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