One of my posts was picked up by the carnival below and it is being cross-hosted so you get two links for the price of one!

E-3 Link

Cross Link (http://thenewpundit.com)

One of my favorite things about blogging is that their is a community of bloggers out there that help each promote each other’s blogs. One of the best ways to do this is at www.blogcarnival.com.

Here is how this works, I write a great post, and Liz reads it and then my readership would pretty much stop there. BUT WAIT THERE’S MORE!!

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One of my posts is included in the Blog Carnival Below, check it out there are a ton of great articles:

Carnival of Twenty Something Finances December 31 edition: Part Two

Happy New year Frugality Tips.

Yayoi and I are NOT cheap!! We are frugal. It is a subtle, yet important difference.

Pinyo from www.moolanomy.com hosts The “Festival of Frugality” Blog Carnival. I submitted one of my posts to the festival (http://www.yoopersmith.com/archives/17) and Pinyo selected it for inclusion in the Festival. Here are some of my favorite posts:

Organic Can Be Affordable @ www.naturemoms.com We all want to eat better, healthy, live, natural, organic food…but the mass-produced junk food is SO much cheaper!!! Tiffany shares tips about how to make buying organic food more affordable.

Can You Break This Debit Card for a Dollar Please? @ Millionaire Money Habits ??? Use your credit card whenever you can, you get points and or cash back, and you avoid throwing away change .

15 Products that Save Time, Money, and Space @ Lazy Man and Money ??? Shares his top 15 picks of products that save time, money, and space. The best thing is that you can get them all online from the comfort of your home.

If You Are in Debt, You Are Buying Everything on Credit @ Debt Free ??? Offers an alternative look at money philosophy about spending. If you are not paying down you debt and buy things with cash, you are basically buying things with credit.

These are just a hand full of the articles posted in the festival, so it’s worth it to pop in and check out the link for the whole festival as well:

“Festival of Frugality”

Thanks Pinyo..and Happy New Year to All!

Tags: money, frugality, debt reduction, food, organic, save money, saving, credit

I gave my co-worker, Liz, some advice today. I said, “Liz, you need to take that money you have out of that annuity (ummm?) and put it in a self directed brokerage account so you can invest in some index based stock mutual funds and ETFs.” (or something like that). Then I showed her how much money I was making doing just that.

Liz asked me where I learned about investing and money…ha ha you have to click!

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I have an admission. I am the “spender” in my family. Before I married my AWESOME wife Yayoi, I had wracked up well over $10k of credit card debt. Wait a second, let me write that again and put all the zeros behind to get the message through: OVER $10,000!! And what were the life changing purchases that required me to go so far into debt? Hmm, well it’s been about 14 years, but here is a short list of what I remember buying with my credit card:

Part of the Festival of Frugality #106

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More From Yooper

• Step 0.5: Shift your Attitude Towards Money: Where do you seek Happiness?
• Step 1: Live Below your Means: Have money left over after every pay check
• Step 2: Pay off your Credit Cards

Today I took some very fun ACTIONS:

• Paid about $512 to start YooperSmith.com, LLC.
• Signed up for Google AdSense
• Added 1 ad unit to my Home page
• Added a google search to my Home page.

I did most of these things WHILE watching the packer game, wearing shorts and slippers.

Oh yeah, I want my webpage to provide value to my readers, and in turn for FREE valuable content, my intent is to get PAID with google AdSense and other passive income streams.

THANKS! to Liz T from work. All she said was, “Update your web page, it’s cool”. So, I thought, um ok. Inspiration comes from many places, I guess you just have to listen for it.

Note:????This is the second step??to financial freedom,??I??figured out that I had already written it before I figured I wanted to write a series.?? There is some duplicated story telling in here, so sorry for that,??but the information is still relevant.??

Everything I know about finance and investing I owe to the good folks at the Motley Fool (www.fool.com). One of their guiding principles is everyone should learn to ???live below your means???. Now that sounds simple, but this is actually more difficult than it sounds on the surface. For me this means that your monthly income should be more than your monthly outgoing payments. The first step in living below your means is to get out of debt, specifically credit card debt.

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