The Carnival of Personal Finance #99 is up over at Money, Matter, and More Musings. Golbguru has done a great job dividing all the submissions into applicable categories. He’s also sprinkled in a lot of fun finance related quotes. I’ve checked out some of the articles and here are some of the highlights:

A Collection of Financial Literacy Resources - Get Rich Slowly
God Can Help You Eliminate Credit Card Debt - Queercents
Advice for New Graduates: Student Loans - Make Your Nut
5 Money and Currency Facts Your History Teacher Never Told You - The Digerati Life
The Beatitudes of Money - Active Duty Military Money

Mapgirl’s Fiscal Challenge is hosting the Festival of Frugality #68. Here are some of the entries that I really enjoyed:

Kirby on Finance shares 5 ways to save money at Starbucks. I think I still like my Americano idea.

MyMint shares ways to reduce your expenses.

Debt Free for Life gives tips for a great yard sale.

Don’t forget to read my entry about letter templates you can download that fold into envelopes.

The Festival Of Frugality #66 is hosted this week by The Frugal Duchess.

Make sure to check out my post about car fresheners.

Here are some of the carnival posts I enjoyed this past week:

The Carnival of Personal Finance was hosted by The Sun’s Financial Diary this week.
Broke Now, Rich Later - Taxation Diversification
The Digerati Life - A Job Quitter’s Primer: 25 Reasons To Leave Your Job
Wisebread - The Dirty Secrets of Credit Cards

The Festival of Frugality was hosted by FOF Homepage.
Money $mart Life - Ten Ways to Ask for a Lower Price or a Better Deal
Grad Money Matters - Frugal Ways to Spend Time with Friends (and Still Have a Blast)
Personal Finance Advice - 10 Hair Care Product Myths That Drain Your Wallet

The Festival of Frugality #63 is up at Stingy Students. Make sure to check out my post about The Ultimate DIY Resource - A Collection of Do-It-Yourself Links.

Other entries I really enjoyed are:
Money, Matter, and More Musings - Why I Walk To Work.

Fivecentnickel - Free Long Distance Calling via Google Maps.

Grad Money [Matters] - Five Tips for a Frugal Spring Break.

The Digerati Life - How To Furnish Your House On Any Budget, Even For Free.

Personal Finance Advice - 10 Ways To Get Free Plants For Your Garden.

My Financial Journey - The Fine Line Of Frugality.

The Carnival of Personal Finance is up at Stock Market Beat. Make sure to read my entry about “What to do with your 401k“. Here are some entries that I enjoyed.

Poorer Than You has a three part series on Money Advice for College Students.

Blunt Money has an idea of How To Set Up A Savings Snowball.

Debt Free shares 5 Important Ways To Protect Yourself Against Job Loss.

Extreme Perspective talks about Using Your Money.

Living The Dream shares his thoughts on Free Stock Trades.

Aridni gives tips on How To Buy Your First House.

My Financial Journey talks about Why Renting Isn’t All That Bad.

The Carnival of Personal Finance is hosted by 2millionblog this week. Here are some of the post I really enjoyed:

Financial Lies - Ways We Convince Ourselves It’s OK To Spend from PFAdvice.
Personal Finance Corner: Creating & Meeting Financial Goals from Mom Advice.
How to stop nickel and diming yourself into the poorhouse! from Kirby on Finance.
10 things you shouldn’t buy new from ProBargainHunter.

Also the Festival of Frugality is hosted by Hustler Money Blog. Here are some of the good reads:

50 Ways to Save Money on Your Grocery Bill from Thrifty Mommy.
The Freecycle Network: Thinking Globally, Recycling Locally, And 100% Free from Money, Matter, and More Musings.

Short post today:

The Carnival of Personal Finance #83 is up over at Young and Broke.

The Festival of Frugality #57 is up over at Fire Finance.

Welcome to the Festival of Frugality #56!

This week I’m taking you back to the Old Testament time of Moses. God gave the Israel Ten Commandments to follow and obey (Exodus 20:2-17). In the same way there are time-tested and effective commandments that govern frugality.

The Ten Commandments of Frugality

1. Thou shall eat food that is cheap but healthy (Personal Finance for Students and Fresh Grads) and waste not leftovers (The Simple Dollar).

2. Thou shall reduce education costs with free money (The Frugal Momma) and cheaper textbooks (Free Money Finance).

3. Thou shall save money on gas (Binary Dollar).

4. Thou shall find best prices (Stingy Students) before purchasing books and textbooks.

5. Thou shall consider inexpensive vacations (The Digerati Life) and receive 5% cash back on all travel purchases (Ask Mr Credit Card’s Blog).

6. Thou shall find ways to cut health care costs (Financial Tips for WAHMs).

7. Thou shall recognize the true cost of buying brand name (An English Major’s Money).

8. Thou shall save money by giving old furniture a new look (Not Made Of Money).

9. Thou shall do thy best to reduce debt through consolidation or settlement (Queercents).

10. Thou shall be diligent to find even (66) more ways to be frugal (My Two Dollars) and ponder how frugal you really are (Becoming & Staying Debt Free).

Just as the ten commandments were not the only laws given in the Old Testament, there are other laws that govern frugality:

Thou shall learn to make rugs from old t-shirts (Frugal Money Management).
Thou shall comprehend the process of fermentation (Wisdom From Wenchypoo’s Mental Wastebasket).
Thou shall keep track of how much stuff you use in one year (No Credit Needed).
Thou shall consider frugal storage ideas (The Common Room).
Thou shall never pay credit card annual fees (Scott On Money).
Thou shall make the most of coupons (EveryDay Money).
Thou shall always use correct postage (makingourway).
Thou shall follow these steps if you blew your budget (Worldwide Success).
Thou shall try making a rock tumbler (The Scratching Post).
Thou shall compare what money type you are (LifeTraining - Online).
Thou shall visit the 100 most popular finance blogs (Wise Bread).
Thou shall consider the Bible as a guide to personal finance (Getting Green).
Thou shall compare unit prices when grocery shopping (Penny-Pinching).

Just as Proverbs 10:4 advises us “Lazy hands make a man poor, but diligent hands bring wealth“, we would do well to follow the commands that govern frugality.

More frugality commandments can be found next week when Fire Finance will host the Festival of Frugality #57.

J.D. over at Get Rich Slowly has done an amazing job putting together the Carnival of Personal Finance #82. Wow, a lot of creativity. Go and check it out. You can also read my post about Creating A Budget For Newly Married Couples.

Some highlights of the carnival include:
Toddlerspit talks about The Cost of Having a Kid
Blueprint for Financial Prosperity suggests Renting Forever and Not Buying a Home
Getting Green shares How the Holy Bible is the Best Guide to Personal Finance
Taking Control Over Money shows How to Reduce the Monthlies
Consumerism Commentary asks Do I Need to Report This Income?