I think I mentioned before that our family is doing Financial Peace University online. We just finished Week 8 last night.

Now, let me tell you that my children are not the happiest of people that we are going through this as a family. They’d rather be playing on the computer, reading their books, or hanging out with their friends. They’re not very vocal about it but body language speaks volumes.

I’m going to let you in on a little secret, though. Things are getting VERY weird at my house. It’s like my family has been taken over a la Invasion of the Bodysnatchers. Let me give you a couple of examples:

Mark and I went grocery shopping a couple of weeks ago. Now, ya’all know that I shop at several different stores and only go for the deals. So, by the time we hit Wal-Mart’s check out line (the last stop) we were both really thirsty. I said “Will you grab one of those Diet Coke’s in the cooler and put it on the counter?” and Mark looked at me… then back at the cooler… then back at me and said “Uh, no. Those 20 oz. bottles are $1.59. We just bought 3 - 2 Liter bottles for less than that. We can wait until we get home.” Wait… wait… WHAT? How’d HE get to be the frugal one?

Then, the next day, I had to take two of the 3 girls shopping for bathing suits. At the cash register, my 11 year old Pollywog said “Mommy, can I use my money to buy some candy?” Well… it was her money… why not?
When she put her candy on the counter, her 13 year old sister, Moonbeam, also put candy up there that Pollywog agreed to lend her the money for. The conversation went like this:

Me: Moonbeam, did you bring money?
Pollywog: That’s ok, mommy, she’s going to pay me back for it as soon as we get home. She just forgot her wallet.
Me: Ok, but just know that you’re going into debt to buy candy because you didn’t plan ahead. Is it really worth it to go into debt to your sister for candy?
Moonbeam: Yes Ma’am. Don’t worry, I’ll pay it back as soon as we get home.
……..
On hour later at home:
Me: Moonbeam, did you pay your sister back for the candy she bought you?
Moonbeam: Yes Ma’am. Just as soon as we got home.
Turtle (the 16 year old) from the kitchen: MOONBEAM… YOU’RE DEEEEEEEBBBBTTTT FREEEEEEEE … AND THERE’S NO MORE CHEEEEEEEEEEEEEEETTTTTAAAAAAAAAAAAAAAAHHHHHHH!!!

Then they all collapsed into giggles.

Three days ago… Turtle is running through the house after finishing all of her laundry chores yelling: I’M LAUNDRY FREE!!!!!!!!!!

*scratching my head* I think that they may be paying attention after all. I have to say, though, it’s no fun being the money nerd if everyone else in the house is more frugal than you are.

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Welcome to the Summer Vacation (13th) Edition of the Carnival of Pecuniary Delights. This carnival’s creator, Penelope Pince, the author of Pecuniarities, defines this carnival as “The Crème de la crème of the Personal Finance Blogosphere.”

Since the summer is my company’s Busy Season, I’ve been very jealous of all of those folks who are going on vacation in the next few weeks. I’m not going on vacation, but I’m happy to share some of the bright and shiny images that I’ve been daydreaming about with you.

Photo by Tim Pearce

Photo by Tim Pearce

Of the articles submitted, these were my favorite:

Photo by Neona

Photo by Neona

General Personal Finance:

Image by Wili_Hybrid

Image by Wili_Hybrid

Frugal Living:

Image by CD Harrison

Image by CD Harrison

Financial Planning:

Image by Sophia Brightsea

Image by Sophia Brightsea

Investing:

We love to the Renfest!

We love the Renfest!

Credit:

Thanks to everyone who participated in the Carnival.  Next week’s Carnival of Pecuniary Delights will be hosted over at Taking Charge.   Please submit your favorite articles and participate!

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I think I am falling in love with Podcasts. Months ago I downloaded several Podcasts to my iTunes and forgot they were there. This morning I added them to my iPhone to listen to on the way to work. The first ones to hit the playlist were Money Girl’s Quick & Dirty Tips for a Richer Life. I really like the format, as they all appear to be under 10 minutes but full of good information.

My favorite of the day, Top Money Resources. This was a basic list of Money Girl’s favorite Money Resources. I haven’t heard of some of these, and look forward to researching some more.

General Finance News:

General Money Tips:

Financial Education:

Taxes:

Economics:

Old Fashioned newspapers:

Feel free to leave YOUR favorite Top Money Sources in the comments. Thanks Money Girl!

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I ordered the 2008 Consumer Action Handbook mid last year, and sort of tossed it to the side once it arrived.  Yesterday, while organizing part of the office, I found it again and started to thumb through.  You know, this book has a LOT of great information in it.

It’s got extensive information regarding credit, debt, employment, education, nutrition, government agencies, and about a thousand other things that the consumer probably has no idea is available for free for the asking.  So, get yours for free from the Consumer Action Website - Federal Citizens Information Center

Since our family just finished the Debt Snowball lesson of Financial Peace university, and Dave Ramsey talks a lot about illegal collections practices by collections companies, I wanted to share an exerpt from the Consumer Action Handbook outlining this act.

Dealing With Debt

The Fair Debt Collection Practices Act applies to those who collect debts owed to creditors for personal, family, and household debts.  These include car loans, mortgages, charge accounts, and money owed for medical bills.  A debt collector is someone hired to collect money you owe.

Within five days after a debt collector first contacts you, the collector must send you a notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you don’t owe the money.

If you owe the money or part of it, contact the creditor to arrange for payment.

If you believe you don’t owe the money, contact the creditor in writing and send a copy to the collection agency with a letter telling them not to contact you.  A debt collector may not:

  • Contact you at unreasonable times, for example, before 8 a.m. or after 9 p.m., unless you agree
  • Contact you at work if you tell the debt collector your employer disapproves
  • Contact you after you write a letter telling them to stop, exept to notify you if the collector or creditor plans to take a specific action
  • Contact your friends, relatives, employer or others, except to find out where you live and work
  • Harass you through threats to harm you, profane language or repeated telephone calls
  • Make any false statement, or claim that you will be arrested
  • Threaten to have money deducted from your paycheck or sue you, unless the collection agency or creditor intends to do so and it is legal.

To file a complaint, contact your state or local consumer protection agency and the Federal Trade Commission.

Have creditors abused these laws when attempting to collect a debt from you?  Contact the FTC and the consumer protection agency in your area.

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This Thursday, I get the pleasure and privilege to host the 13th Edition of the Carnival of Pecuniary Delights. This will be the first time I’ve ever hosted a Blog Carnival and I’m really excited.

Penelope Pince, the author of Pecuniarities, defines this carnival as “The Crème de la crème of the Personal Finance Blogosphere.” Now, how the heck I got lucky enough to be able to host this carnival, I will never know… but I’m thrilled to be able to participate!

The Carnival of Pecuniary Delights is a little different than other Blog Carnivals or Festivals because your submissions do not have to be within the last two weeks. We simply want to showcase the BEST money stories you have to share. They should be timely (or timeless) articles that will be as relevant next year as they are today.

Head on over to the Carnival of Pecuniarities submission page and fill out the short submission form. If your article is chosen for Thursday’s carnival, you’ll need to post a link back to the carnival within 10 days (before Sunday, July 5th).

Please feel free to check out all of the past Carnivals of Pecuniary Delight. These are fabulous Personal Finance articles and I have enjoyed reading them. I hope that you will too. Go. Read. Comment. Share. I promise you won’t be disappointed.

  1. The Inaugural Edition – Pecuniarities
  2. Saving Money Edition - Wisebread
  3. Money Box Edition – Miss Thrifty
  4. Living Green Saving Green Edition – Living Well On Less
  5. Definition Edition – Money Ning
  6. Cashing in on Going Green Edition – Greener Pastures
  7. Seventh Edition – I Pick Up Pennies
  8. Eight Edition – Almost Frugal
  9. Organic Gardening Edition – Passive Family Income
  10. Summer Storm Edition – Counting My Pennies
  11. Eleventh Edition – My Journey to Millions
  12. Catch a Wave Edition - Pecuniarities

So, that brings us to now. Please head over to the Carnival of Pecuniarities submission page and share your favorite personal finance entries… ones you’ve written, or if you don’t blog, ones you’ve read and want to share with everyone. I am looking forward to reading every one of them.

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