I, J. Money, only claim the thoughts from my head. I am NOT a professional finance'er, banker, CPA, or anything of that sort. Please seek a professional for any "real" advice. For more info, please check out my disclosure page. That is all - enjoy!

    Friday, July 18, 2008

    Weekly carnival round up - aka weekend reading material :)

    Here were the carnivals around town this week, including one that I personally hosted my self! And let me tell you, while it looks semi-easy and clear cut, those bad boys take a loooooot of work to put together. And I don't say that to toot my own horn (toot!), but only to give due respect to those hosting them, or thinking of hosting them, throughout the blogosphere. I'd also really like to see that term "carnival" go away too....it never sits right with me. But anyways, here are this week's links: Stay tuned for my car post - coming up next ;)

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    Monday, July 14, 2008

    Carnival of 20-Something Finances: "Viral Pictures" edition.

    viral pic - beerGoooooooooood morning my fellow PF readers and bloggers! Welcome to today's Carnival of 20-Something Finances - the "Viral Pictures" edition.

    We all get them from time to time, but not once have they ever been associated with personal finance. Today that changes! So before you start the week "working", take a couple more minutes to yourself and enjoy the fruit of our 20-something minds ;)

    I can't promise it won't bring back fond ol' memories of yesteryear, but I CAN promise there's some great nuggets of information here. You might even learn something today, imagine that?

    So click around a bit and see what you can find. And if you're in a rush, be sure to at least check out the editor's picks. Then, and only then, you have my permission to get the day started ;)

    Without further ado, here are the chosen articles....along with pictures that may, or may not, involve excess drinking and a load of tom foolery. Enjoy!


    Editor's Picks.
    viral pic - trophies

    These trophies are for you! Your hard work and dedication to personal finance has paid off, and I thank you for adding goodness to the blogosphere. Check 'em out before your A.D.D. kicks in ;)

    • Roshawn Watson presents Tori Spelling - Unsung Financial Hero? over on Watson Inc. It's hard to believe, but former 90210 actress Tori Spelling's entrepreneurial side is impressive. She designs and markets her own line of jewelry, ran the country Chateau La Rue Inn, owns a production company, and penned a NY Times best-seller! Come again?
    • Hilary Green gives us the Cars Under $25,000, and writes for Cars for Girls. There aren't many things sexier than a woman who knows her cars, and Hilary sure knows her stuff. Her site, Cars for Girls, helps to "empower women by respecting and educating them in order to help them make smarter buying decisions." Rock it out girl!
    • Raymond shares How Credit Scores Work And How Scores Are Calculated at Money Blue Book Personal Finance. An awesome, and in depth, review of credit card goodness. It's a long one, but you'll come away a lot smarter for sure! At the very least, check out the graph midway through for a snapshot on HOW they're calculated.
    • Benjamin gets into The Complete Guide to Protecting Your Credit and Identity posted at Trees Full of Money. Identity theft can happen to anyone from age 1 to age 100, so it's always great to be on top things. Benjamin shares with us the steps necessary to maximize our protection against this indecent crime.

    Get Your Mind Right.
    viral pic - foil

    Don't let anyone foil your fun! (sorry, i couldn't resist). When it comes to financial mindsets, we can be all over the place, but it doesn't have to be that way. The key is understanding all the players on the field so you can put a game plan in action. These bloggers evaluate their own "financial mindsets" and can help get ya started.

    The Opposite of Don't Ask, Don't Tell.
    viral pic - bed

    Unlike the military, we here at Budgets Are Sexy encourage any and all questions - how else are you to learn? Here are some of the q's going around the 20-something's minds these days.


    Edumacation 101.
    viral pic - shoes

    Don't wake up one day like this girl, get out there and keep doing your thing! You can never learn too much - and if you think you do, you're on crack. Did you know that there are square watermelons in Japan? Did you know that Coca-cola was originally green? These posts below aren't as good for cocktail parties, but they sure work for the wallet!


    Paying for the Edumacation.
    viral pic - office

    Unlike the air we breath, we have to pay for these extra smarts. It's definitely no fun, of course, but not to worry as there's always help around the corner. Take a gander at these to get you on the right track.


    Well, that's it kiddies!
    As always, if you liked what you saw think about signing up to the old feed of mine. It was a pleasure being your host, and i hope you at least got some nice eye candy before starting out the week. Now if you'll excuse me, i have to go scour my email for some more goodies!

    Holler,

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    Friday, July 11, 2008

    Some weekend reading material for ya. Yummy.

    If you find yourself antsy over the weekend when your favorite blogger(s) are chillaxing, take a peak at some of these carnivals to get you going. Maybe you can play "Where's J. Money" and see if you can find my posts?

    I'll give you a hint, i made Editor's Choice on one and even made it to the tippy top! If that isn't sexy, i dont' know what is. (i lied, i know a lot of things that are sexy. two of them are bonus's and beer, of which i am at a loss of both currently.) Enjoy! ps: I'm hosting the Carnival of 20-Something Finances Monday, so look out for some interesting pix!

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    Thursday, July 3, 2008

    Carnivals, Festivals, and Links - Oh My!

    That was the best title i could come up with this morning - i'm sorry (burries head under desk). As if i didn't throw 60+ links out here already w/ my hosting of the Festival of Frugality, here are a few others i participated in.

    It's a beautiful long weekend coming up, so this should tide you over in the event Uncle Tom has 1 too many again.

    I'll be out on the sunny beaches of the Outer Banks this weekend, so give a shout if you run in to me ;) How funny would that be? if you and i were chillin' on the beach and we had nooooooo idea who the other one was? verrrry interesting...

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    Tuesday, July 1, 2008

    Festival of Frugality #132 - "Frugal is, as Frugal does" edition.

    Frugal Gump
    Hello, and welcome to this week's Festival of Frugality! It's a bit scary hosting one of these things all by myself for the first time, so I brought along a good friend of mine today - Mr. Frugal Gump. I hope you don't mind ;) As many of you know, Frugal has led a very financially rewarding life, and I thought we could all learn from an experienced man like himself.

    We sorted through all the chocolates in this week's box of frugality, and now share them with you for all to enjoy. We hope you get as much out of them as we did!


    Mr. Gump and I's Favorite Picks
    "Mama always had a way of explaining things so I could understand them."

    I couldn't agree more! And when it comes to personal finance, there can be some pretty complicated issues out there. Lucky for us, we have some pretty fabulous bloggers who can break it down and get the points across easily - and we love them for it. Here's to our favorite picks this week, and here's to mama!
    • Bad Acne = Credit Card Debt - Need i say more? haha.. Brandon Patchin from One Chance to Live compares little pimples with credit card use - AWESOME. (his writing style also reminds me of someone else's ;) )
    • Save Money, Get A Divorce! Jim from Blueprint for Financial Prosperity does it again with another devil's advocate post. I love a little controversy every now and then, and Jim's really getting good at it!
    • Yard sale shopping with my daughter posted by mbhunter who adds, "It's easier to splurge at a yard sale." You know it! Three of my favorite things going on here: yard sales, splurging, and children :)
    • What I pay for health care by Jacob from Early Retirement Extreme. This guy cracks. me. up. Seriously, i dare you to read it without laughing. It's definitely a "way of thinking" that's for sure!

    Getting From Here, to There
    "Now you wouldn't believe me if I told you, but I could run like the wind blows. From that day on, if I was ever going somewhere, I was RUN-NING!"

    We live in a different world that Mr. Gump these days, and unfortunately we can't rely on our feet to get us where we need to be all the time. We're not totally out of luck though! Check out these bad boys for some great travel tips to help lighten the load this week.

    Earth Will Love You
    "It was so clear, Jenny, it looked like there were two skies one on top of the other. And then in the desert, when the sun comes up, I couldn't tell where heaven stopped and the earth began. It's so beautiful."

    Mother Earth loves you, so it's time to love Mother Earth back! Here are some green pointers to help get you started.
    • 10 Ways to Reuse a Glass Jar posted by Tiffany Washko over at Natural Family Living Blog.
    • People helping people by Joanna at keeping feet who's found a couple easy, low-cost and targeted ways to be generous and donate to very specific projects & causes around the world.
    • Reusing the waste: Home Edition from Jason Isbell over at Tired Garden.
    • 12 Recipes for Homemade Cleansers posted by Jennifer Derrick at Saving Advice Blog who adds "With the prices of everything skyrocketing, making your own cleaning products can be an easy way to save money. In addition to saving money, most are non-toxic, environmentally friendly, and safe for use around pets and children." Sounds good to me!

    Frugal is, as Frugal Does
    "The best thing about visiting the President is the food! Now, since it was all free, and I wasn't hungry but thirsty, I must've drank me fifteen Dr. Peppers."

    Enjoy these frugal-tastic posts by some pretty damn frugal bloggers ;)

    Summer Lovin'
    "And cause I was a gazillionaire, and I liked doin' it so much, I cut that grass for free."

    While we can't do everything for free this Summer, we sure can cut down on the costs! Peruse through some of these articles for helpful tips this season.

    Questions, Questions Everywhere

    "Now for some reason I fit in the army like one of them round pegs. It's not really hard. You just make your bed real neat and remember to stand up straight and always answer every question with "Yes, drill sergeant."

    These bloggers throw out some thought-provoking questions. Luckily, they give you the answers too ;) And before you ask, "Yes, drill sergeant" isn't one of them (Sorry Gump).

    Investing & Saving
    "Lieutenant Dan got me invested in some kind of fruit company (Apple). So then I got a call from him, saying we don't have to worry about money no more. And I said, that's good! One less thing."

    Oh man, i love that quote :) That Gump is hilarious! But it's true - you get investing/saving down pat, and you can continue on living happily knowing your money's working for you. Of course, getting a firm grip on it is the hard part, so perhaps these will help!

    Coupons & Discounts
    "Oh, yes sir. Bit me right in the buttocks. They said it was a million dollar wound, but the army must keep that money 'cause I still haven't seen a nickel of that million dollars."

    You can never have too many coupons, or discounts for that matter. You won't always remember to bring them when you go shopping, but that's another story altogether ;) Here's a whole mess of goodies for ya.

    Other Random Goodness

    "When I was in China on the All-American Ping Pong team, I just loved playing ping-pong with my Flexolite ping pong paddle. "

    Some other good financial stuff I couldn't quite tell where to put. "Random" categories are like boxes of chocolate - you never know what you're gonna get (I'm sorry, Gump REALLY wanted to put that in here).

    WOW, so this beats my record for longest post! haha... It is now time for Mr. Gump and I to hit "publish", and rest our tired little fingers. We hope you find some great articles in here! And if you like what you saw, think about signing up to my feed :)

    Be sure to check out next week's festival over at Squawkfox. Thanks everyone!

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    Thursday, June 26, 2008

    I'll be hosting my first Carnival next Tuesday - Aww Yeah!

    As many of you know, I've been participating in a whole bunch of carnivals lately. Well, this time i'll be actually HOSTING one over at The Festival of Frugality! I have no idea how much time this will involve, but i'm sexcited ;)

    I just have to come up with a clever theme for it now. Mrs. Micah had a cool one this week (posted below) which featured the sexiness of Buffy the Vampire Slayer! haha....maybe i could do one on Saved by The Bell, or better yet - something around being "sexy" :) That could come out pretty bad though, if you know what i'm saying.

    Who knows. If you have any cool ideas though, by all means throw it out here. And if you need some inspiration - theme wise, or money wise - here are the carnivals i've participated in throughout the week:

    Here are my all time top referrers - Thanks everyone, you know i love you!

    And now, after 3 hours of trying to get this out (the bossman took a few of us to lunch, where i was "peer pressured" into drinking a bit), i shall now post this. Giggity Gigg-it-y!

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    Thursday, June 19, 2008

    A whole mess of random goodness for ya today ;)

    There's a lot on my brain this morning, but i can't seem to formulate paragraphs very well at the moment...so hopefully you don't mind the random listing of all my thoughts (I haven't had my beautiful coffee yet).

    From my brain, to yours - here's what we got:

    My man Baily, over at Thoughts from the Change Race, mentioned he has a few $5 Best Buy certificates he might be willing to part with! Not sure if you need to convince him or not, but if you're interested go ahead and leave him a comment on his latest blog posting. Tell him J from BAS sent you, and that he better treat you right ;)

    It's another WOOT OFF baby! Not familiar? It's when Woot.com offers up a new product (usually electronic) at a REALLY cheap price until it sells out, and it then throws up another! It basically goes on for a good 24 hours, so if there's anything in particular you're looking for - like a stereo, memory card, watch, etc - keep hitting refresh throughout the day and more often than not you'll get lucky. Check out my Woot Post for more info.

    Sometimes it's cool to track all the financial spam you get in the mail. And by "cool", i mean kinda "dorky", which really means "kinda cool". haha...Anyways, i've been keeping a list of this junk mail for a month or two, and some of it is actually pretty damn GOOD stuff. Here's everything i kept track of/remembered to keep track of, plus links to the companies:

    • Chase Visa Platinum card (#1) - 0% on all purchases and xfers until August 1st, 2009. No annual fee, and no xfer fee! 6.99% thereafter.
    • Chase Visa Platinum card (#2) - 0% on all purchases and xfers until September 1st, 2009. No annual fee, and no xfer fee! 7.49% thereafter. haha... it went up! Mrs. Budgetsaresexy actually gets these allllllllllll the time. Like once every 2 weeks!
    • Chase Pre-Approved Home Equity Loan - Zero closing costs, and offers up to PRIME - %0.76 APR when you pay off $50k from another HELOC.
    • Commerce Bank Pre-Approved Home Equity Loan - 4.24% + $100 bonus!!! No closing costs, nor annual fee. Sexy time for sure! (the
    • PETCO P.A.L.S. Coupon - 10% off our entire purchase. geared towards my fishy fish too, they are sneaky little marketers ;)

    I was featured as an "editor's pick" again during this week's carnival season! I think that's my second or third time for me in a month - i'm on fire baby, someone put me out! Here are all those I participated in:

    I thought i had something else to share, but i guess it slipped my mind...I think it had something to do w/ oranges? Oh well, probably best to get my coffee now ;)

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    Thursday, June 12, 2008

    Carnival round up & link lovin' from last week.

    Here are some carnivals i participated in before slipping out of the country last week. Some are pretty damn creative too! Check it, check it out ya'all:
    Also, MUCH LOVE to all those guest posters while I was away!

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    Wednesday, May 28, 2008

    This week in Carnival-Land and Link Lovin'

    I really don't like calling them "carnivals", but i guess it's just the term that is used around town. Oh well, it's not doing any harm i suppose ;) Here are this week's carnivals that I participated in, with the first one awarding me with my very first "editor's pick"! Weeeee.
    1. Carnival of Personal Finance #154 - hosted by Canadian Dream: Free at 45
    2. Festival of Frugality #127 - hosted by Funny About Money
    3. Carnival of Debt Reduction #141 (Enemies of the Doctor Edition) - hosted by Consumerism Commentary
    4. Money Hacks Carnival #14 (Weird Golf Facts Edition) - hosted by PT Money
    And here are my recent top 5 referrers!
    I got mad love and respect for all of you. Keep the blogging alive!

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    Wednesday, May 21, 2008

    This week's carnival action - opah!

    I think I'll be featuring a weekly carnival posting as times goes on - there are some REALLY freakin' good stuff out there! Plus it's a great way to check out some sites you might not as otherwise found. I'm not gonna say they're as sexy, of course, but you can definitely pick up some great tips :)

    Here are the carnivals I participated in during the week:And here are some of my personal favorite articles from other bloggers:
    • Think Your Way to Wealth did an awesome posting about the 2 tools he found online to help save gas! The best is the image he has up on the post though, haha... it's a good one.
    • The Debt-Free Playbook Blog found an awesome tool where you can email your future self! There are a few other ways to set this up if your technically challenged, but this looks like a super easy way to also do it - plus, what an interesting way to keep you on track.
    • The Festival of Frugality and a nice and simple tip: USE YOUR LIBRARY. Is it bad that i had totally forgotten that they still exist? haha...while i like to save all my financial books (it helps me to remember all of the tips!), there's no reason to keep the other 50+ i'll never read again.
    • Harvesting Dollars had a well rounded post on Emergency Funds, and shares different strategies and mind sets about them. Have you ever asked yourself what an "emergency" really IS for you? Def. something to consider if/when something should happen - although i hope it never does ;)
    That's it for this week! Thank goodness for pf blogs - i seriously learn sooooo much! If only i could extend the hours of each day...

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    Monday, May 12, 2008

    Some more carnival action comin' at ya.

    If you're looking for some great articles out there, it's good to check out some of the carnivals every now and then :) They're pretty rad as you can find a handful of great tips, all from one posting...and from some of the killer bloggers out there!

    The topics usually span different categories (savings, debt reduction, frugal-ness, etc.), or even "personal finance" in general, and are from the past week or so around the blogosphere. Here are two three this week that have some pretty nifty ones...including a couple of my own ;)

    - Festival of Frugality #125 "Save some money if you're rich" edition - Four Pillars
    - 139th Carnival of Debt Reduction: Debtors Prison - from DebtFREE Revolution
    - Carnival of Personal Finance #152 - from Money Under Thirty

    I've been learning quite a bit from them lately, so you might see a quick post on them each week. Or I might add a sidebar linking to them...hum... i dunno. all i know is, it's TIME TO LEAVE WORK! aww yeahhhh. Have a great evening everbody!

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    Thursday, May 8, 2008

    More carnival linkage - this is fun!

    It seems people enjoy my post on starbucks getting sexier! I submitted it to a cple carnivals around the blogosphere (where other bloggers collect submitted posts on a particular topic, and then showcase them) , and it has now been my most read article :)

    It appeared twice yesterday:
    - Carnival cheer from around the web - Thanks PaidTwice!
    - Money Hacks Carnival #11 - Ebb and Flow Edition - Thanks Bryce!

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    Tuesday, May 6, 2008

    Boy, this blog is getting around town ;)

    Awww yeah, just how i like it! It's always so thrilling seeing my name linked around the blogosphere - you know, get's me all warm and fuzzy inside. haha... THANKS everyone, and keep up the sexy work!

    Budgetsaresexy.com in the news:

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