Hello everybody, and welcome back to Club Thrifty! For those of you who are new here, you’ve come to the place that puts the awesome sauce in your personal finance. We are all about eliminating debt, living below your means, and spouting off some snarky commentary while we do it.

Along with our (usually) weekly VIP Club Roundups, occasionally, we like to host even larger carnivals here at our site. It allows us to share some of the great stuff that is going on out in the personal finance blogosphere that we may have missed. Even though this isn’t an official VIP Club Roundup, we now consider all of you VIP’s. Head on over to the VIP Club page to pick up the ultimate in swanktastic website badges – the VIP Club Badge! We hope you enjoy this week’s Lifestyle Carnival. And now…on with the show!!!



Lifestyle Carnival



Lance @ Money Life and More writes How Much A Cheap Cruise Really Costs – Have you ever wondered how much a cruise really costs? I’m going to give you a hint. It is much more than the list price you see when you’re looking into booking your first cruise. I still think a cruise is a great value but you need to be prepared for all of the costs.

Edward @ Modest Money writes Saving Money By Making Homemade – Recently, I embarked on a quest. Instead of getting ideas from other personal finance bloggers, I wanted to get the opinions of average people on the topic of frugality. I started asking friends and coworkers one simple question: what is your favorite way of saving money?

Penny Thots @ Penny Thots writes Just Plane Etiquette – Five easy tips help me at Denver International Airport, and should let you maneuver around any airport more easily.

Steven @ Grocery Alerts writes The Myth of Great Savings on Black Friday – The Wall Street Journal has exposed the Black Friday deals myth as just that. In fact, for all the guilt-tripping over last minute Christmas gift shopping, the truth is that many items go down in price toward the end of the holiday season, as the initial rush slows. Although it varies from store to store, your chance of buying toys for half off improves every day between Thanksgiving and Christmas.

Steve @ Canadian Personal Finance writes Why does crime pay in Canada? A look at investor fraud – Former Victoria financial advisor Ian Thow who conned investors of more than $8 million has been granted parole after serving just two and a half years of his nine-year prison sentence.



Frances @ Ramblings of A Teenager writes Frances Faux Pas – Description of construction and picture of my Halloween costume: Margaret and Mordecai from Regular Show.



James Petzke @ This Is Common Cents writes The Number One Way to Save Money – Making a lifestyle change and living healthy is one of the smartest things you’ll ever do.

Frances @ Ramblings of A Teenager writes Don’t Worry. Be Happy – Reasons you shouldn’t worry.

Mrs. PoP @ Planting Our Pennies writes Fitness And Finance – My GymPact – Mrs. PoP’s review of GymPact – an app that lets you earn money by sticking with your fitness goals, and costs you money when you miss them!

Miss T. @ Prairie Eco Thrifter writes Improve Your Health with the Help of a Better Schedule – A regular schedule can help you improve your health, as well as improve your productivity, and stay on track. Here are some of the health benefits of a better schedule:

Jordann @ Making Sense of Cents writes Tips to Tackle Clutter Before Christmas – Christmas is fast approaching and with it, the promise of more stuff. More presents, more decorations, more hostess gifts, more of everything! With the weather starting to turn sour in many parts of North America, there’s no time like the present to get ahead of my clutter before the holiday season jams my 400 sq. ft. house with stuff.



Wealth Effect Blogger @ www.YourWealthEffect.com writes The Debate Over Where Inflation is Headed – Predictions range from deflation, to little to no change in prices to hyperinflation and everywhere in between.

Vanessa @ Vanessa’s Money writes Myth! Working overtime isn’t worth it because the government takes more than I earn – For five years I worked for a group of people who argued that working more than 35h a week meant that you’d earn less money after taxes were deducted. I did the math to prove them wrong.

harry campbell @ Your Personal Finance Pro writes Do You Invest in Expensive Kitchen Knives? A Review of my Shun Chef’s Knife  – If you’ve ever been around someone who loves to cook, you’re probably already familiar with the names Shun or Wusthof. They are two of the top knife-manufacturers in the world and most professional chefs carry one or the other. These knives may be top of the line, but so is their price tag. Most knives in this elite category can cost you upwards of $150(for a single knife, if you find a good deal). Meanwhile, you can get a solid set of knives for around $30(I purchased this set 3 years a

Deacon @ Well Kept Wallet writes Top 10 Business Quotes – So much can be learned from those who have been successful in business. Here is a list of the top ten best quotes about business.

Bryan Maltier @ Gajizmo.com – Personal Finance writes Best Home Insurance Coverage, Companies, Quotes and Rates – Learn about the different types of homeowners insurance policies and coverage options, what each covers and how it will protect you, your family, and assets during specific circumstances.Then, consumers will get tips on how to lower their rates.

Bryan Maltier @ Gajizmo.com – Personal Finance writes Best Home Insurance Coverage, Companies, Quotes and Rates – Learn about the different types of homeowners insurance policies and coverage options, what each covers and how it will protect you, your family, and assets during specific circumstances.Then, consumers will get tips on how to lower their rates.

Steve @ Ready To Quit My Job! writes Dealing With An Abrasive Boss – You’ve got more experience now; why not put it to good use? Go back to school for what you really want to be doing. Switch departments. Cross-transfer. Or look elsewhere.

Teacher Man @ My University Money writes How Much Should I Get In Student Loans? – Most young students that I remember figured that whatever “free money” the government was willing to give loan them was ok by them and defaulted to taking the maximum student loan possible. Consequently, for many people who want to give students advice, the question becomes not, ‘How much CAN I get with student loans?” but rather, “How much SHOULD I get with student loans?”

Young @ Young And Thrifty writes When You Suck At Democracy It’s No Fun – “It has been said that democracy is the worst form of government except all the others that have been tried.”

Everything Finance @ Everything Finance Blog writes When It’s Okay to Splurge – So take heed. Of course pay off your debt, but don’t forget to live your life in the meantime.

Bob @ ChristianPF writes How to retire at age 85 (or hopefully older) – While my title is an admitted spoof on the “retire early” movement, please understand that I greatly admire anyone who can achieve retirement at age 35, 40, or 45. It is just that I find myself wondering if the goal of retirement is overemphasized.

Glen Craig @ Free From Broke writes Are You Ready to Fall Off the Fiscal Cliff? What You Need to Know if the Bush Tax Cuts Expire  – The fiscal cliff is coming, the fiscal cliff is coming! Is the so called tax cliff the impending doom many think it is? See what the fiscal tax cliff is all about.

Mandy @ Money Master Mom writes Just One more is Enough – A How to guide to combat the desire to always want more. Outlined though the experiences of a 4 year old

TDB @ Tax Deduction Blog writes How Do I Deduct Points Paid on My Mortgage? – Due to improvements in the home markets across US, more and more families are on the look out to buy a home. When you own a property with equity, not only do you gain financial benefits but also receive advantages in terms of tax, one among which is points being deducted on mortgage. In your…

Tushar @ Finance TUBE writes Investing 101: The Top Twelve Investing Mistakes – Today we will talk about the Top Twelve Investing Mistakes. In the last ten years buying and selling the mutual funds in a strategy that has lost money. However you ETFs, Modern Portfolio Theory and semi annual balancing has worked beautifully.

CAPI @ Creating a Passive Income writes How to Earn More and Work Less Using Passive Income – You have the opportunity to learn something about earning more money with passive income, and I hope you will take advantage.

Rod @ ROD Blog writes American Express Platinum Card Review – American Express Platinum Card is one of the most prestigious and expensive card out there. Are the benefits worth the hefty price tag?




Andrew @ 101 Centavos writes  Filing Cabinet 401K (5) Alternative Energy (6) Autos (6) book reviews (2) Budgets (2) Business and Career (25) Caffe’ Br – November is good time to start thinking about next spring’s gardening season, and prepping the raised beds for winter.

Ashlee Estes @ writes Alexa Rank – My new hobby of record keeping! Alexa Rank through October, with a new goal for November!

Lazy Man @ Lazy Man and Money writes Challenge Accepted: NaNoWritMo – I’m doing NaNoWriMo, but I’m going to do it Bloggy Style (yes I stole that from Kosmo). Maybe it’s more accurately called NaBloWriMo. I’ll be trying to complete 50,000 words, but I’ll be spreading them out over many blog posts. My average blog post is around 500 words, so that’s 100 blog posts for the month. I typically write somewhere between 15 and 20 posts a month. That’s a lot more writing than I’m used to.

Grand Per Month @ Grand Per Month writes Dying a Slow Death – Recently, I have been witnessing a disturbing trend. Traffic at this blog and at Cash Flow Mantra have been declining (at least last month, Penny Thots seems to have reversed course). You can see it in the numbers below:

John S @ Frugal Rules writes A Smart Way to Play Interior Designer When Moving – Moving can be a costly endeavor, especially when it comes to furnishing your new living space. Many items are very costly and the temptation can be to overspend. With some wise planning, you can be frugal and still have some great furnishings.



Frances @ Ramblings of A Teenager writes My Fail at Making Poached Eggs – Recipe for poached eggs in red spaghetti sauce; pictures and personal adjustments to recipe.

Marie at Family Money Values @ Family Money Values writes Why NOT use that Halloween Pumpkins? – Pumpkins raised for carving, I just learned, are not the best ones to use for cooking. Who knew!

Buck Inspire @ Buck Inspire writes Los Angeles Chocolate and Artisan Fragrance Salons 2012 – A recap of the LA Chocolate and Artisan Fragrance Salons


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