Besides keeping up with other PF bloggers on twitter, I also like to keep track of the occasional frugal thing I have done over the past month, call it twitter-ugality if you will. This post is just a look back on my August twitter feed and the things I have done, learned and any links that may be of interest. Enjoy!


You know about my grand dumpster find, the cedar chest - I tried calling the town's commerce department and they had never heard of the company. Getting any history on this chest is on hold for now as the last known info on it, online, is 1920's advertising. Any other ideas on finding some background to it and getting a new latch?

The company I work for had cut back on feeding us for special occasions, so when they do decide to feed us, it is a special event. This last time they over ordered on pizza and quite a few people went home with enough pizza for the next couple of meals. Always nice to not have to take a lunch.

I finally finished up getting my teeth crowned, yet I don't feel much like royalty. However I have found a much cheaper answer to Percocet that is already in my medicine cabinet - call it the poor man's codeine - two acetaminophen and an aspirin and I'm set for the day.

Recently had the wonderful enjoyment of paying off my car and picking up the title at the bank. Paying off a debt that you know won't be showing up again is such a great feeling and nothing beats looking at your car and knowing that you own it, in good times and bad. Now I look forward to seeing the impact on my credit score.

On that note, I also bought a new freezer. I had tried chest freezers but they aren't good for my partner who has a very bad back. Now it is time to fill it. So far she has made spaghetti sauce with meat and with chicken. We will be filling it up with frozen milk as well for the future rise of grocery costs.

Not too exciting for most people, but I'm happy. I recently had a dumpster find of puppy training pads for my Maltese, Hope. She is 8 years old, has no teeth and has a bladder problem; these will come in handy in the winter when she is too cold to go out.

You know the refrigerator is too cold when the eggs freeze up! (Problem fixed now)

I am an habitual checker of vending machine coin slots and I have noticed that in the last 6-9 months the amount of change I have found has dropped noticeable. On one had is it good to see that people are keeping their change in this economy and on the other hand it greatly reduces the jingle in my pocket.

I know there are many people who use search site to gather points and gain free gifts and gift cards. Two of note are swagbucks and mypoints. I have used Mypoints for a couple of years and have been very happy with them. I then heard of Swagbucks and decided to try them out, not so happy with them. It took me twice as long to get a $5 GC from Swagbucks as it does to gain enough points from Mypoints for a $10 or $25 GC.  I canceled my membership with Swagbucks and will stay with Mypoints for now on.

My much beloved library bookmobile has been cut do to budget cuts. If I had the money I would pay to bring it back and save the gas to drive to the nearest one.

☺ Before washing/drying clothes, unbutton all your clothing so rips and tears don't occur along with lost buttons
☺ Did you know you can flash freeze pancakes? Make to many pancakes, freeze 'em and then pull them out for the next morning.

•  Archived post: Can't get to the state fair for funnel cake-make it at home!
• Social Security turned 74 years old this year (a handy little government program) See the Consumer Checklist of MUST -DOs
• If the dish ran away with the spoon, I’m thinking the pot-pie had an accomplice as well. (Not frugal related, just funny)


I love reading Post Secret and when I saw the following secret posted, it pushed my blood pressure up.

Nothing irks me more than a frugal person being crossing a moral line. Stealing coupons out of a paper, not leaving a tip when eating out after the waiter did a fine job, taking the refill cups out of the trash at the movie theater for free refills, taking home the TP rolls or any office supplies from work, buying an item at the store with the intention of taking it back for a refund after using it.

I used to have my paper stolen outright and if web-cams had been common at the time I would have hooked one up to find out who it was and catch them in the act. Not only is the thief NOT being frugal but it hurts two other people, the person waiting for the paper or coupons and the paper delivery person. When I delivered the paper, if someone called in and complained that they didn't get a paper, I was docked the price of the paper from my paycheck.

While I don't see going to the bulk food stores and only eating the samples as stealing because the companies do see this as a way to entice people to buy their product. But I do see a problem with going back for thirds or fourths and making a meal of it.

Some people may see a fine line and others are gray area when it comes to crossing from frugality to thievery. Personally, I think most cases go into the common sense area which means that we need to listen to that small voice in our head that says, "This is going overboard. This is wrong." I believe most people are good people and will listen to that not cross that line, but it still boils my blood to see that some people have erased that line altogether by silencing the common sense and doing whatever they want because it is all about them.

Trent said it well on his site Simple Dollar :
1)In fact, I would go even further and argue that there is never too much frugality, as long as respect for others exists - what actually creates that line between frugal (good) and cheapskate (bad) is our other values.
(2)Stealing is taking something from anyone - a business, a person, even a pet - an item that they’re not freely giving or selling.

I am sick and tired of seeing any kind of bill (debt) show up in my mailbox. Just Sick. And. Tired. I feel like I am swimming against a hurricane wave at times but I am determined to get to the "island of debt-free" that I see in my mind.

What makes me so tired is seeing the debt stop me from getting things at a decent interest rate if only my credit rating were better, the debt makes me mad because I am limited in the activities I would enjoy with others. And all this pent up anger towards my own mistakes and stupidity makes me sick to my stomach.

I have read all the personal finance info via books, blogs and news articles about digging out from debt. The debt issue is pretty simple: Stop using credit cards, live below your means, know what your means are but keeping track of spending and so on. It is actually pretty logical but the action of doing it is like digging out from under the mountain of debt with a spoon!

I've watched the movie Shawshank Redemption about a dozen times and I love part of the movie where Red explains the reason for the endurance of Andy Dufresne as he plans his escape. I initially saw the film as story on hope but as I dig myself out of this prison, I find that the movie is also about taking one's anger and focusing it on a goal to alleviate that anger.

While the character of Andy was in a prison even though he was innocent, I can't say I'm in my own prison and declare innocence. Considering the hell he went through while in prison involuntarily, he took the time to understanding his surroundings, make the best of a bad situation and make plans for getting himself out and as far away as possible, no matter how long it took.

For Andy his means of escaping his prison was a rock hammer. My means of escaping this debt prison is one survey check and rebate refund at a time. I may be digging myself out of debt with a spoon, but I've found a way to focus my frustration and I've got a plan.

This last weekend I visited some friends and we got to talking about how we buy gifts for the Christmas season.

We have two different view on this:
She is more of a yard sale queen who picks up items that she believes will be useful to the person she is buying for. If you collect anything then that is what she will look for, for you.

I am the type that likes to get more specific ideas and hunt for them, whether they be new or recycled. I don't like to buy the same thing every year, unless I am specifically told that they would appreciate it again.

Because of my style of Christmas shopping, I cozy up to friends and family and try to catch keywords that will clue me in on something they want. Those keywords would be, "I wish I had a.." or "I could really use.." or "I can never find time to...". It is these comments that I perk up to and then I know that this is an item that may not be high on their own TO BUY list but one that would be appreciated once they get it.

Of course I still send out my notice of a gift list requirement to some people and I ALWAYS have a backup plan for those people of whom you don't have any ideas for.

Once I have my ideas for people, I start buying it up and of course I make sure I clue others into what I am buying in case anyone else picked up on the ideas, they know I have already secured the present.

The idea of even buying Christmas presents this time of year can be unappealing but when I think about it, I love the feeling of knowing ALL my shopping is done by Halloween or Thanksgiving at the latest!

In the process of one day I could deal with more chemicals than I know how to sound out. From the morning of getting up and taking a shower, cleaning my hair, brushing my teeth to using the toilet and cleaning the bathroom. It is amazing the chemicals that are in our lives without really noticing.

One of the promises I made to myself was to increase the amount of homemade items I use in my house for two reasons:
1. Cut down on the price of groceries
2. Cut down on the chemicals that I have no clue about.

One of my steps towards that goal is to make my own shampoo and rinse instead of spending $4 per bottle of shampoo and conditioner. Plus I have been unhappy with the results from shampoos and conditioners, so instead of spending more money on something new I wanted something cheaper that I understood the ingredients.

Recently I came across a recipe for washing hair and put it in my project folder. However, a couple days later I came across Mary's Debt-Proof Living site which had an answer to a question about "shampoo intelligence" and that reminded me about the shampoo recipe I wanted to try.

Some of the chemicals listed in the DPL answer really made me wonder.
Water (or some fancy name for H2O) will always be the first ingredient, followed by the detergent. Examples that you might find:

Ammonium Lauryl Sulfate - very harsh
Ammonium Laureth Sulfate – harsh
Sodium Lauryl Sulfate (SLS) - still harsh
Sodium Laureth Sulfate (SLES) - mild, great choice
TEA Lauryl Sulfate - gentle, good choice
TEA Laureth Sulfate - gentle, also a good choice

My current shampoo has listed as the 2nd and 3rd ingredients, Ammonium Lauryl Sulfate and Ammonium Laureth Sulfate, which are the harshest of the two detergents.

So instead of going out and buying a shampoo with milder chemicals I decided to try a more natural shampoo and rinse with the total of 2-3 ingredients. I hope to save money with this shampoo and rinse as well as saving my scalp with the more natural ingredients.

My shampoo has 1 part (1/2c) baking soda and 3 parts water
My Rinse has 1 part (1/2c) regular vinegar and 4 parts water with a couple drops of pure vanilla to make the vinegar smell sweeter.

I tried it out for the first time yesterday and was happy with the results. Part of the steps for using the shampoo and rinse is that you have to leave it in your hair for a 1-3 minutes - so I made sure I started my hair first and then washed up, rinsed my hair and put in the vinegar rinse and then waited a bit longer and I was done.

One nice benefit to this shampoo is that I got some in my mouth and eyes and it wasn't the end of the world, I rinsed it out and my eyes weren't burning for the next 5 minutes. I will continue with this project and keep you posted.

The ongoing debate over money versus value popped it's head up recently in a recent article about a Time magazine cover photo that netted the photographer $30 instead of the $3000 that others felt he should have received.

“Who is the IDIOT that is happy he got paid $30 for a TIME cover? I have had TWO EDITORIAL TIME FRONT COVER STORIES and I can tell you that once the money runs out YOU CAN”T BLOODY EAT THE MAGAZINE!“
However it as much as some people may not like the amount of money that photographer Robert took he looks at it from a different perspective.
"yes. I am happy."
"I will frame it"
I have to say that I found Robert's response to the criticism that he didn't get enough money for his photo refreshing. He found contentment in the agreement that he would take $30 for his photo and receive the recognition that comes from a Time magazine cover.

So many times we find contentment in something, no matter the price until we find out that price went down or a newer model came out that is the same price. We no longer have that contentment because we are always looking for that cheaper, newer, or paying better something that is waiting around the corner.

So often we don't put value to items around us no matter the cost unless it is something we lost from our past; like a classic car, an antique dresser or favorite toy that was found again at a yard sale. It seems that we are looking around and what else is out there that we might like better that we forget what we have in our hands to appreciate and make last.

In a way, we can act like little children who are content with a toy until they see something shinier in another child's hands and immediately the toy is tossed down as they go after what looks better.

When I read his response to price he got and the price he could have asked for it, I was reminded of a bible story/parable about a Landowner looking for field workers. If you will oblige me I will post the story below (Matthew 20:1-15):

"For the kingdom of heaven is like a landowner who went out early in the morning to hire men to work in his vineyard. He agreed to pay them a denarius for the day and sent them into his vineyard.

"About the third hour he went out and saw others standing in the marketplace doing nothing. He told them, 'You also go and work in my vineyard, and I will pay you whatever is right.' So they went.

"He went out again about the sixth hour and the ninth hour and did the same thing. About the eleventh hour he went out and found still others standing around. He asked them, 'Why have you been standing here all day long doing nothing?'

" 'Because no one has hired us,' they answered.
"He said to them, 'You also go and work in my vineyard.'

"When evening came, the owner of the vineyard said to his foreman, 'Call the workers and pay them their wages, beginning with the last ones hired and going on to the first.'

"The workers who were hired about the eleventh hour came and each received a denarius. So when those came who were hired first, they expected to receive more. But each one of them also received a denarius. When they received it, they began to grumble against the landowner. 'These men who were hired last worked only one hour,' they said, 'and you have made them equal to us who have borne the burden of the work and the heat of the day.'

"But he answered one of them, 'Friend, I am not being unfair to you. Didn't you agree to work for a denarius? Take your pay and go. I want to give the man who was hired last the same as I gave you. Don't I have the right to do what I want with my own money? Or are you envious because I am generous?'

I have to say I am guilty many times of not appreciating my own things and looking for something better because I compare myself to others and it doesn't seem fair. I need to stop. Think. And remember why I chose what I have and make it last as long as possible.

The new frugality isn't just saving money, it is being content with what we have and remembering why we appreciated it in the first place.

The following is a guest post by Adrienne Carlson


I earn a comfortable living, but even so, I find it hard to be a spendthrift. It may be a souvenir of the days when I had to get by on a shoestring budget or the fact that my parents were never big spenders at any point of their lives, but I have always been careful with my hard-earned money and resisted the urge to splurge on things I do not need. But then, even with this kind of conservative behavior, I ran into a mini financial crisis a month ago – I had put most of my money into investments that I could not touch for the next three years. My bank balance had just enough to get me through the month, but since I was expecting a windfall (an inheritance from a great uncle) in a fortnight or so, I was not too worried.

But then, as fate is often wont to do, it played a cruel trick on me – the ATM machine I regularly use acted up and refused to cough up any money. Cursing my luck, I made my way back home only to discover that troubles don’t come alone – my account had been debited $900 (there were three aborted attempts to draw money). Now I had hardly any money and was in danger of overdrawing my account. A visit to the bank and a complaint to the manager resulted in a lot of words that were meant to soothe ruffled feathers, but when they told me that I would get my money back only after a month (yes, a whole month), I was at a loss as to what to do – you see, I did have money, but I was unable to touch it.

My first task was to arrange for enough money so I could see the month through, but I did not want to take out a loan in order to do that. So I did the next best thing – arranged for a soft loan. If you are ever in such a situation where you need money to tide you over in an emergency or until your next paycheck comes through, here’s what you could do:

* See if you can get a soft loan: I borrowed some money from my dad, an amount that I could repay without interest a month or so later. Look for friends and relatives who are willing and can afford to help you.
* Get by with what you have: If you can grit your teeth and get by with what you have, it’s the best thing you could do.
* Make money by selling stuff you no longer use: While not a long term solution, it does help you get rid of clutter and also make money out of stuff you no longer use or need.
* Consider a payday loan: If you’re really desperate, take out a payday loan but watch out for the interest rate in order to avoid a heart attack when the bills come in.

This guest article was written by Adrienne Carlson, who regularly writes on the topic of accredited online universities. Adrienne welcomes your comments and questions at her email address:

Every time I leave to go to work and when I come home from work I always check to see if the dumpster at our apartment complex has any treasures. A few days ago a treasure did show up in the form of a cedar blanket chest.

I love nice wood furniture and this is another wonderful gift from the residents of my apartment complex. In previous finds I have picked up a wood/bamboo side table, an oval table and 4 chairs, a coffee table a couple of dressers (one sold and one fixed up)and now this cedar chest.

Some items are cleaned up, cosmetically fixed and resold and other take a place among the craigslist items and other dumpster finds. This cedar chest is sticking around for awhile because I've always wanted one but they were much to expensive to purchase.

I'm still trying to find out information on this cedar chest as the maker of it doesn't seem to exist any longer. The last known information for Piedmont Red Cedar Chest Co. out of Statesville,NC. is from the 1920's. Update: Local city commerce department has no knowledge of them.

There are a couple of reasons to find out about this cedar chest:
1. History/age of chest
2. To get parts replaced

This chest needs a new lock and I want to get it replaced, because there is something about having a chest with a lock that is broken that is incomplete, even if I did get it free.

I did some research online and it appears that Lane furniture may have bought the company so I called them to see if they had any parts - I am waiting for a call back as the agent could not find my chest listed with only the digits #6701 on the bottom and nothing that stated a serial number and she had not heard of Piedmont Red Cedar Chest Co.

Until the part is found, the chest has been sanded a bit and old English polish was used on it to maintain a more raw look to it. I may have damaged it but I still like the look- I picked it up for it's usefulness and not for it's resale value.

The bottom picture is the before with all the scratches and the two top pictures are the after effect of some sanding and polish put to it.

Most all personal finance sites with suggest keeping an emergency fund handy, from 3 - 6 months. This money is supposed to cover the monthly expenses that may arise. I don't disagree with this ideas but sometimes socking away 3-6 months is hard to do when debt is high or work hours have been cut.

It is at these times it is a matter of managing the unexpected emergency when there is no savings to draw from. If putting away an emergency fund won't work in the budget, there are some other ways to prepare for what is ahead.

Taking the time now to put yourself in a position to spend as little as possible for a least a month after the emergency will give you time to think and get a handle on your situation.

Stock up on sale items with a long shelf life, such as canned vegetables, fruits, stews and meats. Drink mixes, powdered milk and boxed side dishes that need only water added will also help. Keep track of expiration dates to make sure you use them up before the date and replace them as you go.

If you have pets, stock up on food for them as well in advance. I personally buy 3 months worth of food for my dog (wet,canned food) which has an expiration date that is over a year out.

Put aside toothpaste, bath soap, deodorant, laundry detergent and oil and filter for the car so you can change the oil in the car.

Set yourself up on an average payment with the water, gas or electricity and pay ahead a month if able.

Other Areas:
• Know within $10 how much you will need to survive each month without cutting any expenses, but mark the area that you would be able to reduce in order to save money. If the time comes to cut back you will have that extra money to use in other areas.

• Make yourself aware of groups and services that would be able to assist. Whether they are job aid services, food programs and state social services.

• Check into free services available in your area so that you can find them later with more ease. Know what your library offers, free food services, and living shelters.

• Put yourself into a mindset that you are down to your last $5, how would you take care of of yourself? Where would you go, who would be of help and what areas are necessity and what aren't. Picture yourself with your scarcity switch on and you need to survive and prepare for that as best you can.

Managing the unexpected emergency requires thinking of the worst case and making sure that every dollar counts for something. Once you are done preparing take a step back and be thankful for what you DO have.

A customer walked into the auto parts store looking for a flat washer.
"That will be 15¢," the cashier said.
"15¢ for a washer? Are you crazy!?" the customer yelled. "I'll drill a hole in a quarter and make my own."

My friend has a $10,000 watch. If I had that kind of money, I wouldn't buy a watch. I would strap a wad of bills to my wrist and when I wanted to know the time I would peel off a bill and pay a stranger to tell me.

These jokes come from the reader's digest and show a small snippet of life and how we value money and sometimes how it isn't all that rational when we think about sometimes, such as the case with the 15¢ washer.

But the most important thing I think is that we can take a break from the stress that money can seem to cause and realize that our reaction to it is actually quite funny. Money is funny.

The funniest part is really our reaction to it's value. Everyday we are reminded how valuable our money is by advertisers, the number of digits in our bank account and by the new things we buy or end up giving away.

It's nice to take a step back and view money from a different perspective, and a funny one is always easier to swallow then more "in your face" reminders.

Recently, a man walked into my barbershop asking how much for a haircut. "Eight dollars," I answered. "And for a shave?" "Five dollars."
"All right," he said, settling into the barber chair. "Shave my head."

As an airline reservation agent, I took a call from a man who wanted to book a flight for two but wasn't happy with the price of $59 per ticket. "I want the $49 fare I saw advertised," he insisted, saying he would accept a flight at any time.
I managed to find two seats on a 6 a.m. flight. "I'll take it," he said, then worried his wife might not like the early hour. I warned there was a $25 fee per person if he changed the reservation. "Oh, that's no problem," he said dismissively. "What's fifty bucks?"

Sometimes it seems we flip-flop around like a fish when it comes to money, we want to save money but we don't want to be cheap and we want to get something that is good quality but we don't want to spend more than xx dollars. Sometimes I wonder why we don't laugh more at ourselves and the crazy way we act around money.

My mother, who is 93, lives simply but comfortably in an assisted-living home. Even though she has ample savings, she is always worried about the state of her finances. My brother-in-law tried to ease her mind by telling her, "I've calculated that, given your expenses, you have enough money for at least the next 16 years." "That's fine," Mom replied, "but how will I manage after that?"

At times the things that grieve us most are the best one to take a step back from and find the funny, quirky or laughter in in order to medicate ourselves through the trouble, because we all know laughter is the best medicine and we can't take the money with us anyway.

Lying on his deathbed, the rich, miserly old man calls to his long-suffering wife. "I want to take all my money with me," he tells her. "So promise me you'll put it in the casket."

After the man dies, his widow attends the memorial service with her best friend. Just before the undertaker closes the coffin, she places a small metal box inside.

Her friend looks at her in horror. "Surely," she says, "you didn't put the money in there."

"I did promise him I would," the widow answers. "So I got it all together, deposited every penny in my account, and wrote him a check. If he can cash it, he can spend it."

Just a reminder to laugh and smile a little, it helps!
My extreme gratitude to the submitters of Reader's Digest Laugh lines and jokes.

At the beginning of a new month I like to look back at the previous month to see what ideas caught my eye, stories grabbed my attention and if I did anything frugal as some months are better than others.

To start it off, some quotes -
"Junk, someone once said, is what you throw away two weeks before you need it."
~Letty Cottin Pogrebin

"We have not inherited the world from our forefathers - we have borrowed it from our children."
~Native American Quote

"Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like."
~Will Smith

"Guerrilla Frugality: you and your family against the numerous marketers and sales people of the world"
~Jonathan Chevreau

unFluffy Towels- Pour vinegar in the rinse cycle or run another rinse cycle to remove build up of detergent that sticks to towels [cheaper than fabric softener]
Cleaning Shower-head - Heat pan of vinegar under boil, turn off and let showerhead soak in pan for 30-60minutes.
Can Opener- Clean it with a toothbrush and baking soda to make it last longer
Keep track of AC adapters by writing on them with a white permanent marker to which electronics they belong - cell, vid. camera
When you have ice left in your cup, don't throw it down the drain or in the trash, dump it on a plant.
Save all your food receipts for a month. Highlight any unnecessary expenses[soft drinks,candy,junk food,alcohol] via @DebtDiva
Buying a Mattress looking for discount - Go to large chains, in out of the way places, on a Tuesday night - get up 50% off

♠ I wrote a guest post over at Five Cent Nickel on 401(k) Rollover Mistakes
Free 70Pg Ebook - Renewable Energy 101/ Solar, Wind, and Hydro Electric
A Bloggers Face-Off from June 2007 - J. D. Roth (getrichslowly) vs. Trent Hamm(thesimpledollar)
♠ 10 ways empty soda bottles can save you $2,000
♠ Hate the Penny? Here is your answer to making them useful
♠ I wrote about using a timer to take my showers - I got a response from @extremejacob about saving more hot water by simply switching to cold showers. It takes two weeks to adapt
Boy sells toys to help family - the comments were the most interesting
Woman bakes her way out of foreclosure

Anything Frugal:
☻ My car's new side window, thanks to a mis-aligned window. Duct Tape rules!
☻Got a free year of HBO w. Comcast for the asking... I chatted in and I live in Colorado
☻ I bought that Gevalia coffee maker and coffee for 14.95 - I canceled the membership a week later- keeping the coffee and maker - well worth the price and nice to have coffee when I wake up.
Dumpster find! - found at least 100 dog pads for my Maltese- handy for winter when she refuses 2 go out.

Personal finance podcasts and radio shows are starting to make their way out to the fore-front and there are a number of them to choose from, from professional, studio shows to the "home" show. More great ways to get your frugal and personal finance information for free via audio
Most blog podcasts are able to be pulled from blog talk radio, podcastalley and iTunes.
Let me know if I left anyone out:

-- Active Frugality Podcasts --

1. Frugal Coast2Coast - w/ Jenn of Frugal Upstate and Lynnae of Being Frugal
Monday at 8:30p EST (5:30 PST) - Live
They share tips, tricks and techniques to help you live a great life while spending less
Live chatroom and call in line (long distance)

2. Frugal WAHMs Talk Radio - w/ Melissa, Multi Tasking Mama and Creative Cathy
Every Tuesday and Thursday 10:00a EST(11:00 CST) - Live
Talk about many subjects related to parenting, working from home, living frugally and life in general.
Live chatroom and call in line (long distance)

3. Frugal Yankee Radio Show - w/ Garen Daly
Sporadic throughout the week - recorded
Enjoying Life, Spending Less

-- Retired Frugality Podcasts --
Keeping it Centsible
Consumer Queen
Life: Frugal and Simple

-- Active Financial Podcasts --

1. Personal Finance Hour - w/ JD Roth (GetRichSlowly) and Jim Wang (Bargaineering)
Monday at 4:00 pm EST - Live
They discuss personal finance topics and take caller's questions
Live chatroom and call in line (long distance)

2. Consumerism Commentary Podcast - hosted by Tom Dziubek, a former podcaster with the Wall Street Journal
Every Sunday - recorded
Each week, the show offers commentary about money management, getting out of debt, budgeting, consumer issues, investing, and the economic issues that touch individuals in the United States and all over the world.

3. Kiplinger Personal Finance - w/ Editor Janet Bodnar
Updated every other Tuesday - recorded
The most trustworthy source of information available today on savings and investments, taxes, money management, home ownership and many other personal finance topics.

4. Money Girl's Quick and Dirty Tips Podcasts - w/ Laura Adams
Once a week on Tuesday - recorded
Provides short and friendly personal finance, real estate and investing tips to help you live a richer life

5. WSJ Your Money Matters (feed link)
Weekday podcast - recorded
Get your personal finances in shape with advice on budgeting, credit card debt, college tuition, retirement and more.

6. NPR Planet Money - Planet Money blog
Appears to be M-W-F
On NPR's Planet Money, you'll meet high rollers, brainy economists and regular folks -- all trying to make sense of our rapidly changing global economy

7. Millionaire or Bust - w/ Your hosts David and Talli
Monday - recorded
Millionaire or Bust (M.O.B.) is a not so common, common sense show that teaches you how to think about your finances.

-- Retired Financial Podcasts --
Living Large on a Small Budget
Ask Mr Credit Card

Debt Interviews - Daily -recorded by Steve Rhode
Totally free help and honest answers from the Get Out of Debt Guy

Marketplace Money (rss)- Weekly on Friday
With expert advice and information on topics and issues affecting your wallet.