2009 September | nil2million.com

Posted by Nash

The owners of free budget tools website mint.com has a great reason to celebrate – Intuit has agreed to purchase the website for $170 million in cash. This is more amazing considering the fact that mint.com is just a 2-year start up company.

It’s not rocket science and it can potentially be done by everyone.

So what can we learn from all of this?

1. Be at the right place at the right time

One of the reasons how mint.com popularity sky rocketed is because this is the time when people are more conservative in spending and is venturing into more budget and frugal living.

Ever since the mortgage crisis and the recession, the cultural shift from spending spree to prudent spending has helped mint.com achieves natural traffic to its website. Gone are the days where spending spree is a the dominant culture.

When more and more people are scurrying to budget their income and expenses, mint.com gives them the tools that they need – budgeting tools for free.

Whether this is a genius marketing strategy or pure luck (I think it’s the first one), it pays off big to be at the right place at the right time.

2. Give and you shall be rewarded

Everybody likes things for free. And mint.com did just that. Free budgeting tools. Time and time again, we have seen website that gives out free services made it big. Some examples include the all-famous google.com (free search website), facebook.com (free social website), YouTube.com (free video sharing website) and hotmail.com (free email website).

Mint.com competitors which offers a subscription-based service for budgeting tools tanked because of this.

3. Develop useful items for your visitors

This is paramount for any successful websites. Mint.com provides a useful item for a hungry market – a free budgeting tool for a large group of people who wants to straighten out their finances.

4. Viral marketing still works – and it works well

Viral marketing, or marketing from the word of mouth works well. Mint.com became popular from this effect – either through actual word of mouth, or from social network such as facebook.com and MySpace.com

5. We should learn on how to develop applications

This is actually a reminder to me. It’s very easy to create websites now. A 5-minute approach and WHAM! – you got yourself a blog. To make your blog / website a notch higher than the rest, I think it’s important that we need to also learn the nuts and bolts of it so that we can develop tools that will help our visitors to achieve their needs.

6. Visitor & content is king

The final point to note – to make your website useful & popular – you need to have good contents and you need to find out what your visitors are looking for when they surf to your website.

Collection of Articles On Personal Finance (Carnivals):

…

Thanks for visiting nil2million.com. If you enjoyed this post, you can get a free regular updates on the RSS Feed, or you can have us delivered future posts directly to your email.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

Categories : Make money online

Posted by Nash

In this post, Robin Williams talks about the effectiveness of debt settlement programs in US.

There are many companies that offer debt settlement program in United States but not all debt settlement firms can be relied upon. This is because greed has overpowered benevolence. And this is evident from the innumerable complaints that the state attorney generals, state regulators, BBB have been receiving over the past few months. This holds true not only for debt settlement USA companies but also for debt consolidation companies operating in the United States.

Why are consumers complaining about debt settlement companies?

There are many reasons why consumers have endless grievances against debt settlement US firms though not against all of them. Reports reveal that there are many debt settlement companies that promise to help you with your debts but once they get their money, they fail to keep their promises. Debt settlement companies charge high upfront fees and in case you drop out of the program, you do not get back the fees.

How do debt settlement firms help you to ward off bankruptcy?

Debt settlement is an important option to ward off bankruptcy. When you settle your debts, the total amount you owe gets reduced by a considerable amount. This reduces your debt load too. And if debt settlement is able to help you get rid of your debts, you steer clear of filing bankruptcy.

When you hire their services, they will help you by reducing the total amount you owe by as much as 40% to 60%. This is usually done after negotiations with your creditors. A trust account is created in which you make payments till the time you don’t gather 50% of your outstanding balance. This account will not earn any interest. Once the account has enough cash, negotiations begin. And you pay off your creditors.

Many states have passed bills and few states have enforced laws that regulate the debt settlement firms in the respective states. These bills are usually passed so that the debt settlement firms don’t trick debtors and siphon out money without reason. Prior to hiring the debt settlement firm, make sure it is a member of The Association of Settlement Companies or TASC.

The BBB, state attorney generals and state regulators have been receiving innumerable complaints from the debtors about the anomalies prevailing in the debt help industry. It is being anticipated that these bills will curb the irregularities that are existing in the debt settlement industry to a great extent and will simplify the debt reduction process for debtors.

Collection of Articles On Personal Finance (Carnivals):

…

Thanks for visiting nil2million.com. If you enjoyed this post, you can get a free regular updates on the RSS Feed, or you can have us delivered future posts directly to your email.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

Categories : Debt Management, Personal finance

Posted by Nash

Welcome to the 11th Edition of Everything About Personal Finance!

In this carnival, just like the previous ones, you’ll see a wide variety of collection of fresh articles about Personal Finance in the topics of career, credit card, debt management programs, frugal living, property, make money online, insurance, investment, savings and others.

To the contributors of the articles – thanks for participating! Please feel free to join this Carnival again in the future. Can you do me a favor? Can you please link this article back to your blog, so that both our readers can benefit from this post? Thanks!

What is blog carnival? It is a collection of articles from other blogs on the related topic. It’s divided to smaller topics where you can zoom in to the ones that interest you. The articles are fresh, so it’s always useful to come back for more.

If you like this article, you can subscribe to get future articles to be sent directly to your email.

Career

Linda Jones presents 100 Blog Posts You Should Read Before Going to Med School posted at Nursing Schools.net.

Madeleine Begun Kane presents Working Stiffed posted at Mad Kane’s Humor Blog.

nissim ziv presents Teacher Interview Questions and Answers posted at Job Interview Guide, saying, “Classroom management, discipline, behavioral management, contacting parents and above all your teaching methods are parts of the teacher interview questions. This article suggests answers for the most common questions asked during a teacher’s interview.”

nissim ziv presents How to Pick a Career of Interest? How to Find your Perfect Career? posted at Job Interview Guide, saying, “Picking a career has never been easy. Particularly today, when almost anything and everything has been converted into a business model, the scenario is quite different from ten to twenty years ago.”

Credit Card / Debt Management Programs

Finavigation presents What You Should Know About Credit posted at Finavigation, saying, “Post explaining what young people need to know about credit, credit reports, credit scores, and improving their credit.”

The Smarter Wallet presents Equifax Credit Report and Score: Review of Equifax Products posted at The Smarter Wallet

CreditCardAssist presents Excellent Credit Requires Your Own Due Diligence posted at Credit Card Assist, saying, “Maintaining an excellent credit score has never been more important and these days it requires constant upkeep and due diligence to maintain it.”

Tom Drake presents Debt Service Ratio - GDS and TDS | The Canadian Finance Blog posted at The Canadian Finance Blog, saying, “GDS and TDS are ratios that banks and mortgage brokers will calculate to determine if you are financially able to afford your mortgage.”

Vichuda presents Credit Card Free Annual Fee Warnings posted at Kota Medan Guide.

Investing

Silicon Valley Blogger presents ETrade Online Brokerage Account: Top Broker Review posted at The Digerati Life

Tom Drake presents Are Guaranteed Investment Certificates (GIC) Risk Free? posted at The Canadian Finance Blog, saying, “Guaranteed Investment Certificates are generally considered to be risk free investments. However, there are some risks that you need to be aware of and also some ideas to reduce those risks.”

Investing Toolkit presents Buy Low And Leverage The Stock Market posted at Investing Toolkit

Wealth-Ed presents Get Ready for Roth IRA Conversions in 2010 posted at Wealth Education - Investment Ideas Personal Financial Advice, saying, “This news snuck up on me, but it is worth sharing. There was a provision in a 2006 Tax Bill that removes the limits for Roth IRA Conversions in the 2010 tax year. This means, that as early as January, it will be possible for those making more than $100,000 per year (individuals or ‘married filing jointly’ to convert a Traditional or SEP IRA into a Roth IRA.”

Mike Piper presents Discount Brokerage IRA Comparison posted at The Oblivious Investor, saying, “A comparison of all the major discount brokerage firms, intended to help you determine the lowest cost place to open an IRA.”

Chris McClelland presents Mistakes that can cause your investments to falter posted at Lucrative Investing.

Others

Banker Saver presents TARP Bailout Funds: How Have Banks Used Taxpayers’ Money? posted at Banker Saver.

Emily Simmons presents How to Have a Successful Yard Sale posted at Be In Health Now, saying, “These are the tips my husband and I followed when having our yard sale last week, resulting in more than $400 extra in our traveling fund! Hope you find them helpful, too.”

Mark Aucamp presents Confidence is the key to recovery from this recession posted at Money Saving Tips, Consumer Finance, Expert, Advice and Help | Talk Money Blog.

Chris McClelland presents Right wing conservatives and coal companies join together to promote pollution posted at Lucrative Investing.

Property

Doug Boude presents Buying a New Home is Easy! Part 2 of 2 posted at Doug Boude (rhymes with ‘loud’), saying, “This is actually the third of three posts in the series as I chronicled the building of my wife and I’s new home. I share all of the things you wish you knew ahead of time in hopes of helping others make smart choices in their new home buying experience.”

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

Technorati tags: everything about personal finance, blog carnival.

Earlier Carnivals On Personal Finance:

…

Thanks for visiting nil2million.com. If you enjoyed this post, you can get a free regular updates on the RSS Feed, or you can have us delivered future posts directly to your email.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

Categories : Blog Carnival, Credit Card, Debt Management, Investment, Links, Personal finance

Posted by Nash

In this post, Adam from RabbitFunds.com talks on his experience in budgetting for his financial goal.

So my wife and I were walking through the mall the other day when she noticed a sale at Bath & Body Works for hand soap. I asked her how our supply of hand soap and lotion was doing and she remarked that it was low. I immediately thought of our budget and asked myself if we had room in our budget. I then realized that we had a recurring problem, “Should purchases at Bath & Body Works go in the Grocery budget, the Personal Care budget, or some other more appropriate budget?”

Now, I imagine that you may be thinking that I am splitting hairs, and I probably am. But this brief conversation in my head gave way to a larger problem. We have purchases that don’t occur monthly that I don’t budget for since our budget is monthly. Some examples include my wife’s trip to the salon every 4 months (approx. $100), oil changes every 3000 miles (approx. $20), and clothes at the beginning of the school year (I have a monthly Clothing budget, but this exceeds it).

Since I am not budgeting for these infrequent purchases, we use savings to pay for them.

And maybe that’s what your savings are for and maybe not. My savings are intended for specific goals (retirement, vacations, large purchases, etc) and for emergencies. Don’t tell my wife, but her hair is not an emergency. So I hate using savings to pay for the trip to the salon.

I brought this issue up to my wife while we strolled through the mall. We currently don’t have an Other category, in part because I find it too non-descript for analysis purposes. However, “other” happens. Meaning, we need an Other budget category to cover purchases that occur on a less than monthly basis. If it happens monthly, then it should have a dedicated category.

How much should my “Other” budget category be?

Well, that’s a harder question to answer. We use Microsoft Money to budget so I can run a couple of reports and see how much I typically spend on Other. Though from month to month, the amount dedicated to this category is probably a moving target. So here is what I suggest. Make your best guess and start there. So for example, let’s say you estimate that on any given month, you have $75 in non-monthly, non-emergency purchases. After two or three months, evaluate what you actually spent. You should specifically look at two things. First, did you spend more or less than the $75. Second, did you need to spend the money. You may find that your Other spending isn’t really necessary.

So this category is my dump for miscellaneous purchases?

No. Be careful with this category. The purpose of a budget is to understand how much you spend and where you spend that money so you can minimize expenditures and maximize savings/investments. Be sure that you don’t use an Other category as a way to avoid facing the facts. If something can and should be tracked, then do so.

So what is in your budget’s Other category?

About the Author

Adam Williams is the founder and author for RabbitFunds.com, a blog with the purpose to help the average family better understand financial issues, financial planning techniques, and ultimately a delineated path to creating a personalized, comprehensive financial plan. Adam received a degree in Financial Planning from the Marriott School of Management, ranked 5th in the nation for undergraduate business programs by Business Week.

Collection of Articles On Personal Finance (Carnivals):

…

Thanks for visiting nil2million.com. If you enjoyed this post, you can get a free regular updates on the RSS Feed, or you can have us delivered future posts directly to your email.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.

…

Categories : Budgeting, Debt Management, Personal finance

Posted by Nash

Welcome to the 10th Edition of Everything About Personal Finance!

In this carnival, just like the previous ones, you’ll see a wide variety of collection of fresh articles about Personal Finance in the topics of career, credit card, debt management programs, frugal living, property, make money online, insurance, investment, savings and others.

To the contributors of the articles – thanks for participating! Please feel free to join this Carnival again in the future. Can you do me a favor? Can you please link this article back to your blog, so that both our readers can benefit from this post? Thanks!

What is blog carnival? It is a collection of articles from other blogs on the related topic. It’s divided to smaller topics where you can zoom in to the ones that interest you. The articles are fresh, so it’s always useful to come back for more.

If you like this article, you can subscribe to get future articles to be sent directly to your email.

Career

Patrick @ Military Money presents COBRA Benefits Subsidy in the 2009 Economic Stimulus Recovery Act posted at Military Finance Network, saying, “The 2009 Economic Stimulus Plan includes additional COBRA and unemployment benefits.”

MoneyNing presents How to Get Out of a Rut and Out of a Slump posted at Money Ning, saying, “Ever in a rut? Here’s how to get out.”

nissim ziv presents Why Did You Leave Your Last Job? Interview question posted at Job Interview Guide, saying, “There are several answers to the eternal question, “Why did you leave your last job?” While the question can be asked in many ways, the answer should always be the same.”

FMF presents The Best Way to Make Your Resume Stand Out posted at Free Money Finance, saying, “Ideas on how to get your resume read.”

MoneyNing presents How to Break Bad Habits posted at Money Ning, saying, “How many bad habits would you like to break?”

Chris McClelland presents Tips to Surviving Business School or Undergraduate Life: Books, Textbooks, and Supplies posted at Lucrative Investing.

Credit Card / Debt Management Programs

David presents Capital One® Platinum Prestige Credit Card posted at Credit Card Offers IQ, saying, “A review of the Capital One Platinum Prestige credit card.”

Daniel Drew presents Unsecured Small Business Loan posted at My Business is doing well should I choose an SBA Loan?, saying, “”Lines of credit are generally paid off by opting for a permanent source of financing. In case of commercial property line of credit, the sale of the old property may help repay the line of credit”"

PT presents Credit Card Tips and The Best Student Credit Cards posted at Prime Time Money

David presents 10 Super Cool Credit Card Offers (You’ve Never Heard Of) posted at Credit Card Offers IQ, saying, “Ten super cool credit cards you have never heard of.”

The Dough Roller presents List of Low Interest Credit Cards posted at The Dough Roller, saying, “while credit card companies have a reputation of charging exorbitant interest rates, the truth is that many cards come with modest, single-digit APRs.”

oneadvice presents Debt Management Myths posted at One Advice, saying, “After being inspired by a guest post on Nil2Million.com, I thought it would be good to look at further debt management myths and see how truthful they are…”

Jenny presents Stop The Credit Card Madness posted at Stop Spending Money, saying, “If people remembered that buying an item on credit essentially meant paying an extra 20% more for the item, they would be less likely to spend.”

The Smarter Wallet presents Credit Monitoring Services To Check Your Credit Report posted at The Smarter Wallet

Joe E presents Loan Forgiveness Programs Reduce or Eliminate Student Loan Debt | Consolidating Student Loans Online posted at Consolidating Student Loans Online, saying, “Student loan debt is often times the second largest financial burden (behind a mortgage) that someone may tackle in their lifetime. So needless to say, it’s sometimes to tough to pay back tens of thousands of dollars of student debt - especially in a bad economy where jobs are scarce. There are federal programs available, however, that can help pay off some, or all, of your student loan debt through various loan forgiveness programs.”

Jermey Simon presents Icelandic travel paid for with credit card, kronur posted at blogs.creditcards.com.

Matthew Paulson presents Are Credit Unions Better than Banks for Consumers? posted at American Banking News.

Jim Eastman presents 7 Secrets the Credit Bureaus Don’t Want You to Know posted at Credit Matters and Credit Repair.

MatthewPaulson presents College Debt - Work Study a Unique Solution posted at Fine-Tuned Finances.

Billeater presents How To Avoid The Dangers Of Debt Consolidation Loans posted at Billeater.

Frugal Living

The Smarter Wallet presents YNAB (You Need A Budget) Review, Financial Budgeting Software posted at The Smarter Wallet, saying, “Review of a budgeting tool.”

Swiftkickinthe.com presents 7 Ways to Save a Little Money Now posted at Swiftkickinthe.com, saying, “I have been doing a little cost cutting on our wedding budget in the last couple of days. And I started thinking about ways to save a little money in our every day budget as well. So why not share the love and write a post on 7 ways to save a little extra money now.”

Patrick @ Military Money presents Money Management Tips for the New Recruits and Recent Graduates posted at Military Finance Network, saying, “Basic money management tips for people going out into the “real world” for the first time. This article applies to new military recruits and recent college graduates.”

Four Pillars presents Back To School Cell Phone Deals posted at Quest For Four Pillars, saying, “Comparison of the best cell phone deals for students heading back to school.”

Roshawn Watson presents Should You Buy A House Outright? posted at Watson Inc, saying, “Suppose you find yourself in the somewhat unique predicament of having the resources to purchase your house outright without a mortgage. Is it then financially-wise to make the purchase?”

Patrick @ Cash Money Life presents Pick the Low Hanging Fruit to Get your Finances in Order Quickly posted at Cash Money Life, saying, “These are some simple steps you can take to make big wins with your personal finances. Sometimes the small wins aer more important than the big wins!”

Steve Faber presents How to Find Affordable Engagement Rings posted at Propose To My Girlfriend, saying, “Getting engaged is expensive, and one of the most expensive parts of the entire proposition is the engagement ring. Inside are some strategies to help you get her the ring she deserves and save money doing it.”

Jason @ Redeeming Riches presents What a Cow, a Red Box and Hair Clippers Have in Common posted at Redeeming Riches, saying, “Find out what these three things ahve in common and how they can help you reach your goals!”

Wise_Bread presents Beyond Budgeting Pocketsmith Helps You Forecast posted at Wisebread.

Billeater presents Save Money on Movies and DVDs posted at Billeater.

Insurance

KCLau presents Withdraw EPF Fund to Pay Insurance Premium? posted at KCLau’s Money Tips, saying, “Vincent Lee from Penang generously shares an idea to use your EPF”

Joseph presents How To Save Money On Auto Insurance posted at How to save money.

MatthewPaulson presents Investing in Renters Insurance posted at Fine-Tuned Finances.

Investing

Adam Williams presents The number one thing you should consider when investing posted at RabbitFunds.com, saying, “Many investors focus primarily on return. However, in the myriad of factors to consider when investing, liquidity should be at the top for the average investor.”

Investing Toolkit presents What’s A Stock Market Index? posted at Investing Toolkit.

Investing School presents Scottrade Promotion and Review posted at Investing School, saying, “Scottrade has been winning customers over with its amazing customer support. See what the stock broker offers.”

Patrick @ Cash Money Life presents Scottrade, OptionsHouse, and tradeMONSTER Review posted at Cash Money Life, saying, “Reviews of Scottrade, OptionsHouse, and tradeMONSTER, three of the top online discount brokerage firms.”

Vlada Kynsky presents Short interest posted at StockWeb, saying, “What is short interest and where to find useful information. Short interest filter, short interest in chart and reports.”

ABC presents Investment Real Return posted at ABCs of Investing, saying, “A simple explanation of investment real return.”

Finance Tips 101 presents 7 Easy Tips To Help Save Money At The Grocery Store | Finance Tips 101 posted at Finance Tips 101.

The Dough Roller presents Summary of the Best Online Discount Brokers posted at The Dough Roller, saying, “You’ve probably heard of many discount sites that allow you to trade stocks online (e.g., Zecco, Scottrade), but I’m guessing there are a lot of online brokers you’ve never heard of (Sogotrade may be one example).”

Silicon Valley Blogger presents OptionsXpress For Stock Investing and Options Trading posted at The Digerati Life

Jimmy Atkinson presents Fixed Income ETFs: What Every Financial Advisor Needs To Know | ETF Database posted at ETF Database.

ABC presents REITs (Real Estate Investment Trusts) – Invest In Real Estate The Easy Way posted at ABCs of Investing, saying, “A short and simple explanation of REITs - Real estate investment trusts.”

Mike Piper presents Should I Rollover my 401k into an IRA? posted at The Oblivious Investor, saying, “A guide to answering one of the most frequently asked investing questions: Should I rollover my 401k?”

Pinyo presents 401k Rollover To IRA: What is it and how does it work? posted at Moolanomy, saying, “Learn how 401k rollover works and which rollover is the best for your situation.”

Ben presents Stock Analysis: Earnings per Share Price to Earnings Ratio posted at Money Smart Life.

straight presents Bernanke posted at Stock Market News.

20smoney presents 401(k) Planning: The Best Way To Supplement Your 401(k) posted at 20s Money, saying, “The best ways to supplement your 401(k) plan!”

Make Money Online

Silicon Valley Blogger presents Cheap Web Hosting Services For Those On A Budget posted at The Digerati Life, saying, “Consider cheap web hosting for your online business!”

Joseph Ekwu presents LAMIDO SANUSI SACKS BANK MD?s posted at Josephekwu’s Weblog, saying, “This is Nigeria…read please”

Jeremy presents How to Lower Your Car Insurance Payments posted at The Car Spot, saying, “A great way to save money is to lower your monthly car insurance payments.”

Online Dividends presents $75 Checking Bonus Deal at Bank of America posted at Blogging Banks.

Sam Selim presents Fast Cash through Affiliate Marketing posted at Intense Buzz Gateway to Online Profits.

Sam Selim presents Make Money When Visitors Leave your Site posted at Intense Buzz Gateway to Online Profits.

Others

Patrick @ Cash Money Life presents How to Stop Junk Mail Forever posted at Cash Money Life, saying, “Tips on how to reduce the amount of junk mail you receive”

nickel presents What is a Mortgage Escrow Account? posted at fivecentnickel.com.

Cindi presents The Business Education You Never Got? posted at Chiropractic Marketing | Chiropractic Advertising, saying, “I’ve had to educate myself on how to run a successful business, and specifically how to market my business. During this time, I’ve read literally hundreds of books.”

R.J. Weiss presents Personal Finance Plan: Phase 1 posted at Genyweath.com.

R.J. Weiss presents Personal Finance Plan Phase 2 posted at Genyweath.com.

Matt Mason presents Do You Really Need Good Credit? posted at FYMO Personal Finance Blog.

Deposit Accounts presents How to Find a Financial Planner posted at Deposit Accounts.

Matt Mason presents Should You Let The Snow Melt? posted at FYMO Personal Finance Blog.

Property

MoneyNing presents The Beauty of Supply and Demand posted at Money Ning, saying, “Sometimes, this simple concept can really help us save big!”

Tallahassee Real Estate presents Changes In Real Estate Marketing posted at Tallahassee Real Estate Blog, saying, “The Internet has changed the way that REALTORS communicate with the market and with prospective customers. Knowing where the largest source of home buyers go to seek real estate information is part of a broker’s job when guiding real estate marketing efforts. Recent studies suggest that 87-92% of home buyers begin their search online, so being in the right place, at the right time, is certainly mission critical for every real estate broker.”

Chris presents What mortgage stress is and why should we care posted at Home I Own, saying, “For the folks who only heard about the mortgage part, but never about the stress part, here the exact definition of a mortgage stress: when people are paying above 30 percent of their income on mortgage repayments, they are under mortgage stress.”

Savings

Banker Saver presents Sneaky Bank Fees: How To Avoid Those Extra Charges posted at Banker Saver, saying, “on bank fees.”

Tom Drake presents Are Guaranteed Investment Certificates (GIC) Risk Free? posted at The Canadian Finance Blog, saying, “Guaranteed Investment Certificates are generally considered to be risk free investments. However, there are some risks that you need to be aware of and also some ideas to reduce those risks.”

Faizal Nisar presents Master the Art of Saving Money posted at Be Truly Happy, saying, “Learn to maximize your savings with patience, self-discipline and making a savings plan.”

Bucksome presents 5 Warehouse Club Services to save Money posted at Buck$omeboomer’s Financial Path to Retirement, saying, “This article describes five categories of savings you might not expect at the warehouse stores including insurance, investing, auto-buying, business services and more.”

MatthewPaulson presents What to Look for Other Than Interest Rates with an Online Bank posted at American Banking News.

Ben presents 7 Ways to Save Money on Back to School Shopping posted at Money Smart Life.

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

Technorati tags: everything about personal finance, blog carnival.

Photo by Crystian Cruz

Earlier Carnivals On Personal Finance:

…

Thanks for visiting nil2million.com. If you enjoyed this post, you can get a free regular updates on the RSS Feed, or you can have us delivered future posts directly to your email.

Don’t worry, we don’t like spam too. So we won’t send those to you and we won’t share your email with others too.