149th Carnival of Personal Finance – Chasing Dreams Edition

by The Happy Rock on April 21, 2008

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Welcome to the 149th edition of the Carnival of Personal Finance! Below are 86 personal finance articles from the last week or so. In the articles you will find awesome information, but the real question is…”why do we care”? What motivates us to spend less and save more? Without being lead by our dreams and desires our enthusiasm and motivation can quickly fade, but if you figure out why you want to get out of debt or save money than it becomes amazingly easier to make wise money decisions. This is edition is dedicated to those dreams!

Without further adieu, here are all of the entries organized by category. Pay special attention to the Editor’s Picks which are listed in the first section. As you read through the carnivals, you’ll notice pictures that represent some of our common dreams to help inspire us to greater heights.

Editor’s Top Picks

  • financial-giving.jpgFrugal Babe presents The Choices We MakeFrugal Babe gives an inspiring snapshot of the money decisions that have set the foundation for their happiness and success.
  • MomAdvice presents This American’s DreamAmy Allen Clark shares an motivating post about their completed journey out of debt and what it means to their family.
  • You Might as Well Burn $5! presents What If Rent Was Already in the Bank?Margaret tells us how to reframe our emergency fund saving. Sometimes these little tricks can go a long when in seeing us through to the end.
  • Rather-Be-Shopping presents 5 Ways to Survive on One IncomeKyle James writes that having a parent at home with the kids is often more doable then you might think. These personal glimpses into lives of others provide a great backdrop to give us perspective about our own decisions.
  • I‘ve Paid For This Twice Already presents The Psychology of the $1000 Emergency Fundpaidtwice shares his thoughts on why having a small emergency fund helps you attack your your debt. $1,000 is just the beginning, but it shares a big psychological and practical purpose.



  • Dreaming of Ferraris presents Preparing for the Debt AttackFoxie writes that it’s always good to have some idea of what you want to do in the future with your money. and outlines here own future plans for reducing my debt.
  • LivingAlmostLarge presents Should you Pay off your student Loans?livingalmostlarge asks should you pay off your student loans? Or are they last on the list after even a mortgage?
  • Chic Saver presents Sharper Image?Chic Saver shares how some business are using debt too much like herself and other consumers.


Money Managment




  • TV Girl and Money presents Choosing Fight Over FlightTV Girl shares about the day she decided to do something about here debt.

Real Estate






  • Wide Open Wallet presents Are hybrid’s cheaperMom her analysis on why a hybrid isn’t cheaper for them.
  • Journey To Financial Freedom presents Understand Recession in Simple LanguageHarrison teaches us more about Recession with the simple language.
  • Pinching Copper presents Being poor is a state of mindSeb writes that some people are portrayed as poor in today’s society, and they live like kings.
  • Beyond Paycheck to Paycheck presents Retirement for Gen X: Black Hole or Perfect Storm?Beyond Paycheck to Paycheck writes that some experts blame Gen X’s high expectations for their financial challenges. Yet a recent study found that 43% of Gen Xers don’t ever expect to be able to retire. Sounds like pretty low expectations to me. Maybe the black hole of Social Security should shoulder some of the blame too?



Common examples of secured loans are car and home loans, or mortgages. GE money, formerly purple loans is one of the top UK lenders offering homeowner loans in partnership with loans.co.uk.

{ 34 comments… read them below or add one }

GBlogger (Can I Get Rich On A Salary) April 21, 2008 at 9:01 am

Happy Rock, great work with the dream images — I’m partial to the one with the kid with the baby and the one with the two kids playing. :-) And thanks for the inclusion, of course.


Dividends4Life April 21, 2008 at 9:29 am

Thanks for hosting this week’s carnival and including my article “Who is Charles Mangum and Why Should We Listen to Him?”. I will link back in my weekly roundup this Friday.

Best Wishes,


Greener Pastures April 21, 2008 at 9:37 am

Hi- Thanks for hosting this week’s carnival!

These pictures are beautiful. I’ll enjoy looking more closely later when I have more time.

I’m glad you liked my article enough to feature it this week, too, by the way! Thanks for the compliment.



Jonathan @ Master Your Card April 21, 2008 at 10:03 am

Hiya T.H.R, just wanted to say many thanks for the mention. I linked back to you and the carnival :)


paidtwice April 21, 2008 at 10:04 am

Thanks for including my post and choosing it as an editors pick! :) Great carnival!


Ginger @ Girls Just Wanna Have Funds April 21, 2008 at 10:08 am

Thanks for including my article, you’ve done a fantastic job with this edition!


Enoch Ko April 21, 2008 at 10:08 am

Thank you for hosting and including my post! :)


AndyS April 21, 2008 at 10:30 am

Great post. Thanks for including my article. Great to discover your blog as well and I’ll be subscribing to read regularly.

Andy S.


PT April 21, 2008 at 10:31 am

Great theme, Rock. Thanks for hosting. Have a great week.


Kyle @ Rather-Be-Shopping April 21, 2008 at 10:32 am

Nice job with the carnival. I know it is a ton of work and it is very much appreciated. Thanks for including my post as an editor’s top pick!


Bryce April 21, 2008 at 11:30 am

I like the pictures and layout. Thanks for putting in the work and for including my post.


Kay April 21, 2008 at 11:52 am

Thanks for hosting. You did an impressive job pulling together so many useful items. I’ve let my readers know.


Dividend Growth Investor April 21, 2008 at 12:15 pm

Thanks for including my overview of Rewards Checking Accounts.
Great Job on the Hosting!


foreclosurefish April 21, 2008 at 12:41 pm

Thanks for this list of blogs, I found a number of really interesting ones. It seems that more people are beginning to get into the habit of saving, paying down debt, and living within their means, and actually enjoying the experience of self-sufficient living.


Frugal Babe April 21, 2008 at 1:07 pm

Thanks for hosting, and for the editor’s pick :)


Momma April 21, 2008 at 3:01 pm

Thanks for the mention! What a fabulous carnival. I’ve spent most of today reading them and have even added a couple to my Must Reads.

I look forward to reading more from you!


Move To Portugal April 21, 2008 at 4:49 pm

Thank you Rock for all your hard work on the carnival and for including my post.
I love the theme and the pictures!
Laura :)


Mark Runta April 21, 2008 at 5:28 pm

Thanks for hosting! Excellent set of posts.


Pinyo April 21, 2008 at 6:08 pm

Good job. Thank you for hosting.


Harrison April 21, 2008 at 7:08 pm

Thanks for hosting. I know it takes a lot of time to compile 100 of posts. I appreaciate your time and hard works. Thanks for including my post too!


Amy April 21, 2008 at 7:48 pm

Wow, I am so honored to be among your editor picks, considering how many wonderful entries there were. I will be linking up to this in my Friday round-up. Thanks so much for including me!


Patrick April 21, 2008 at 8:19 pm

Excellent edition! Thanks for hosting. :)


Chief Family Officer April 22, 2008 at 12:14 am

Thanks for much for hosting and including my article!


Ben @ Trees Full of Money April 22, 2008 at 12:20 am

Thanks for hosting and including my article!


Ben @ Trees Full of Money!


Austin April 22, 2008 at 1:44 am

Thanks for hosting the carnival with these wonderful articles.


Anthoney Grigsby April 22, 2008 at 8:40 am

Thanks for hosting and for choosing my article!! :)


Funny about Money April 22, 2008 at 12:19 pm

Awesome carnival! Thanks for including Funny’s idea about hiring one’s own craftsmen for home inspections.


DailySpends April 23, 2008 at 11:08 am

Great carnival HappyRock. Good work! Can’t wait ’till my posts start getting rep and they start getting featured :)


Think Your Way To Wealth April 23, 2008 at 9:47 pm

Awesome job, carnival looks great!
Thanks for including my post.



Jacob April 24, 2008 at 3:33 am

Frank, Thank you for hosting my article in this week’s carnival. The carnival looks great and is very nicely done. I love the pictures.


squawkfox April 26, 2008 at 12:58 am

Happy Rock: Your carnival presentation is stunning. Thank you so much for including my post. I have linked back via: Carnivals.


Dividend Growth InvestorCarnivals, Festivals and Blogs - April 29, 2008 April 28, 2008 at 9:51 pm

…[The Happy Rock hosted the 149th Carnival of Personal Finance - Chasing Dreams Edition and included my Rewards Checking Accounts Overview.]…


Surviving A Recession February 25, 2009 at 10:16 am

i have just started “actively” reading about personal finance. i have been around the blogosphere for a while. But, to the best of my recollection the best most informative canivals I have found in the personal finance arena. This is a fantastic resource thanks.


B. Gregory February 7, 2013 at 5:46 pm

My goodness, the articles about frugality and debt hit me pretty hard. I don’t have crazy stupid debt or anything, but sometimes I think if I put as much time and effort into being frugal as I do with my websites, etc., I would be a lot better off. Certainly a wealth of good stuff here.


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