Here’s the blog posts that caught my eye from the carnival listing:

• Hustler Money Blog reminds us that it’s the Time of the Year to make sure you’re not overpaying for your utilities and insurance.  As the weather gets colder for most of us, you definitely want to check that you’re prepared to keep your heat in as efficiently as possible and keep the cold air out!
• Taking Charge now knows that you are your own best credit repair company.
• The Money Answer Guy answers the question: How Can I Be Sure My Loved Ones Know What to Do in Case of the Unexpected?
• Student Scrooge explains the new trend toward Cash “Discounts” At Gas Stations.
• American Consumer News answers the question: Should You Take Cash Back or Low APR Financing on A New Car?
• The Dough Roller offers a quick quiz so you can answer this question yourself: Are You a Millionaire in the Making?  (There are 7 millionaires in the making… actually 7 multi-millionaires in the making at: www.7m7y.com)

• American Consumer News 5 Untruths About Your Credit Report
• Money Answer Guy gives 5 Mistakes to Avoid When Buying a Car From a Dealership.
• DJ from The Family Wallet presents Turn Closet Cleaning into Cash.
• AJC takes issue with paying your mortgage off as quickly as you can.
• 7 Millionaires … In Training! thinks you need to think again if you’re of the opinion that 100k means you’re ‘rich’. 

• The Money Answer Guy helps consumers decide if they should hang onto their gas guzzlers.
• Not the Jet Set tells how the envelope system works and why it has been so successful for his family.
• Antishay Ventenne once thought credit cards were evil, but after becoming debt free, she has come to realize that they can be useful tools
• American Small Business News explains to small business owners the importance of employee evaluations
• Destroy Debt exposes the real “trick” to saving money.
• Uncomment Cents lists seven ways to travel frugally

• Free Money Finance says: “You can save money by weighing your produce
• The Personal Financier teaches kids about finance through Monopoly
• Money Answer Guy discusses the benefits of a cash-only lifestyle
• Beating Broke tells where they began their journey at reducing their debt

• Mary from American Entrepreneurship highlights some key customer relations skills in Customer Service Communication Tips.
• NtJS from Not the Jet Set speaks of the perils and causes of overspending in Switching From Plastic To Cash.
•  Matt from American Consumer News, offers some tips you’ll find useful in An Effective Way to Obtain a Lower Mortgage Rate.
• AndyS from Saving to Invest contributes Effectively Using Freed up Daycare Dollars
• Money Answer Guy from Money Answer Guy presents Should You Ever Buy a New Car?

• Penelope Pince from Our Fourpence Worth has come up with Monopoly Game Expansion to teach the kids about savings accounts and interest.  Absolutely love this!
• Ron from The Wisdom Journal shares a story based on actual events. Bad debt leads to a bad job and a rough life.
• Debbie from American Consumer News discusses protecting your medical information from theft.
• Patrick at Cash Money Life reminds us to think twice before canceling credit cards
• Money Answer Guy asks whether renting can ever be an investment
• Debbie the Debt Destroyer has some tips for controlling medical costs.

• Jennifer Derrick from Saving Advice presents  Quit Complaining About Fuel Prices and Do Something
• Silicon Valley Blogger from The Digerati Life presents Our Financial Progress Over The Last 10 Years.
• The Writer’s Coin presents Saving for Retirement vs. Living Your Life
• American Consumer News presents  Tips for Teaching Kids Better Money Management.
• Money Answer Guy from Money Answer Guy presents Is it Possible to Save Money on Gas?
• Debbie from Debbie the Debt Destroyer presents Go on Vacation Without Adding More Debt

• Money Lessons for Generation X, at American Consumer News.
• Graduating? Calculate Your Tax Withholding, at Poorer than you.
• The Hidden Costs of Growing Up, by One Chance to Live.
• Looking for Extra Money to Pay off Debts? Here are 10 Things You Can Do To Free up Money, by DestroyDebt

There are a ton of blog posts included this week, and many of them will help you reduce your debt and manage your money better, so be sure to head over to “Canada” and check them out.  Here are a few to get you started: 

American Consumer News explains Automatic 401k Plans.

Accumulating Money tells us What to do before age 30 to set you on a firm financial path.  I am running out of time, only 2 years left to conquer this list!

Debbie from DestroyDebt.com, about Managing Your Money with a Preparation Account. 

Mighty Bargain Hunter warns us that $12-$15 per gallon of gas is coming… Pay $15 for Gas Now to prepare for it.  Can you even imagine that?  No- but ten years ago, could you imagine paying $4.09 for a gallon of gas?

Thanks to the Carnival host for including Discover Debt Freedom and our 5 Financial Rules to live by.

See them all by visiting The Carnival of Personal Finance #154.

•  Create Your Own Bill Organizer, at DestroyDebt.com
• The Real Cost of Withdrawing Retirement Funds Early, by Cash Money Life
• Micropayments Make Cents, at Financial Zip.