Welcome to the January 13, 2009 edition of Festival of Frugality hosted here at Credit Withdrawal. It’s still cold here in the mid-west, but there’s a sprinkling of good recipes, good ideas, and great reading to help you take some of the chill off.

Favorite Posts

Chris presents The Joy of Owning Nothing posted at financial reflections, saying, “I take a lesson from the life of a multimillionaire who says “no” to most any purchase.”

The Shark Investor presents How To Live The Life Of Your Dreams (Visual Guide) posted at The Shark Investor

savingadvice presents I Want to be a Frugalista! posted at SavingAdvice.com Blog

MoneyNing presents 5 Surefire Ways to Stop Thinking Your Paycheck is Never Enough posted at Money Ning

Joanne presents 21 Ways To Create An Emergency Fund posted at Simply Saving.

Lazy Man and Money presents How to Stock a Bar posted at Lazy Man and Money.

J. Savings presents Would you take a 10% pay cut if it meant saving an employee? posted at Budgets are Sexy.

Cheap and Free Stuff

Carma presents How to Find Deals on the Web posted at Standard Deviations.

Kathy Hester (GeekyPoet) presents Finding Organic Coupons « Geek, Poet, Housewife Wannabe posted at Geek, Poet, Housewife Wannabe.

Adam Hagerman presents Frugal Wedding Tip: Save the Date Cards posted at Your Money Relationship.

Andrew Schultz presents Skype vs. Verizon – Saved me $631.70! posted at Andrew-Schultz.com

Myscha Theriault presents Meat Money: Grocery Saving Tips for Carnivores | Wise Bread posted at Wise Bread

Jim presents Free College Money: The FAFSA on Blueprint for Financial Prosperity posted at Blueprint for Financial Prosperity.

Dan at Everydayfinance presents How I Saved $250/Year for Life with Comcast posted at Everyday Finance

ChristianPF presents Free Franklin Planner templates posted at Money in the Bible | Christian Personal Finance Blog

Andy presents Five Things You Should Get for Free posted at Tight Fisted Miser.

Kelly from Almost Frugal presents Frugal Gifts For New Parents and New Babies posted at Almost Frugal.

Great Tips and Advice

Shaun Kavanagh presents Use Your Credit Card for Everything You Can! posted at Kavmerica.com.

FIRE Getters presents 12 Tips To Lower Your Heating Bill posted at FIRE Finance.

juicefairy presents New Year, Better Credit Score: Post 1 posted at Juicefairy.

Cooupon Artist presents 15 Minutes a Day Toward a More Frugal Life | artofthecoupon.com posted at artofthecoupon.com.

GrrlScientist presents Survival Skills 101: Frugal Living posted at Living the Scientific Life

Morrison presents Only 1 New Years’ Resolution. posted at ALL DOORS CONSIDERED..

FMF presents Reminder: Pay Attention to Scanners posted at Free Money Finance, saying, “Simple way to save money — pay attention!”

Madison presents 16 Ways to Do It Yourself posted at My Dollar Plan.

Dave presents Beater Bucks – 7 Tips To Keep Your Car Running posted at Cheapo Groovo.

RC presents Creating a Household Budget and Why it is Important posted at Think Your Way to Wealth.

Rob presents Negotiating Car Purchases posted at Negotiation Training Info

Doctor S presents The World Learns to Live Frugal in 2009 posted at Finance Your Life

Nicki presents The Timeless Art Of Sewing posted at Domestic Cents, saying, “Thank you!”

Ray K presents Save Money By Always Being In A Contract posted at JustSaver.com

Super Saver presents Stretching our Dining Out Dollars posted at My Wealth Builder

Savings Toolbox presents Reducing What You Waste Will Save Some Cash posted at Savings Toolbox.

TH in SoC presents Digital Television and Frugal Entertainment posted at The Well Run Dry

Silicon Valley Blogger presents 21 Deal Sites and Online Tools To Help You Save Money posted at The Digerati Life

Jill presents Top Coupon Tips | posted at Jill.

The Smarter Wallet presents Smart and Frugal Tips To Shop For Clothes Online posted at The Smarter Wallet

Resolutions and Budgeting

Roshawn Watson presents 3 Financial Decisions for a Great 2009 posted at Watson Inc

Bryce presents Number One New Year’s Resolution posted at Save and Conquer

Michael. presents Living on a Budget: Reasons and Motivations posted at Michael Emilio.

Todd presents Budgeting Basics posted at HarvestingDollars

Other Neat Stuff

TStrump presents 6 Ways to Adopt the Freegan Lifestyle | The Strump posted at The Strump – Financial Blog,

Praveen presents My Simple Trading System: Joy of the Down Sell posted at My Simple Trading System.

Condo Blues presents Organize Your Life with Six Pack Containers! posted at Condo Blues

Aryn presents Top Ten Frugal Winter Foods posted at Sound Money Matters.

Chuck Russell presents Hyundai Assurance Program; Buy Back Your Car posted at Car Buying Tips To Save You Money.

HowToMe presents How To Bake Rusks posted at HowToMe, saying, “Rusks, a double-baked sweet biscuit, are usually dipped in one’s morning coffee, hot tea or hot chocolate before they are eaten, but they can also be enjoyed as they are for a snack. Reportedly, rusks can also be helpful to a teething child.”

vh presents Snookered! posted at Funny about Money.

Destroy Debt presents Debt Got You Down? Turn That Frown Around posted at Debbie’s Debt Advice.

Scott Crawford presents DebtGoal » Blog Archive » New Year Debt Resolution Step 6: Simplify For Success posted at DebtGoal

Stephanie presents Guilty as Charged posted at Stop the Ride!.

nemesis presents How to save more money posted at Wealth Gears.

Livingalmostlarge presents Winter is good for the pocketbook posted at LivingAlmostLarge.

Paula Wethington presents Kitchen prep you can do on the weekends posted at Monroe on a Budget.

Miss M presents Frugal Traditional Skills posted at M is for Money.

Shadox presents Where Did Our Money Go in 2008? posted at Money and Such, saying, “Looking back at 2008 and how our family of 5 spent its cash.”

Ms. Smarty Pants presents How I Plan to Save Money on Holiday Gifts with My Discover Card posted at Ms. Smarty Pants Know It All

SJ presents Alternative Fuels – Are They Really The Boon Of The Future? posted at Save Money On Gas

Zantor presents How to Take Control of Your Finances posted at Open Road Open Mind.

The Investor presents Stanford researchers prove you can spend 20% less on gifts for the same result posted at Monevator.com

The Happy Rock presents Out with the Old, In with the New – Switching Phone Companies posted at The Happy Rock

Megan presents Unusual food sales? posted at Counting My Pennies.

nickel@fivecentnickel.com presents Free Antibiotics (and Prenatal Vitamins!) posted at Money Tipper.

nickel presents Books are a Bargain posted at fivecentnickel.com.

Lisa Spinelli presents Successful Free Swap Sites for Books, DVDs, and CDs posted at Greener Pastures: Personal Finance

PatrickCML presents Free Disney Tickets for Military Members and Retirees posted at Military Finance Network

PatrickCML presents Introducing Money Saving Deals posted at Cash Money Life,

kathryn presents Basic Ideas for Balancing a Budget posted at Out of Debt Christian

Elizabeth Goldstein (Modern Gal) presents Surprising Frugal Advice: Stop Being so Obedient posted at Modern Gal

Dana J. presents Frugal Weight Loss Tips posted at Not Made Of Money.

Dana J. presents Recession Survival: Clipping Coupons and Shopping The Sales posted at The Family Wallet.

Curt presents Why Wages Don’t Fall During a Recession posted at PennyJobs.com.

Pamela Grundy presents Post Cereal Coupons; Stock up on Milk, NOW! posted at Personal Finance Analyst.

Mr. ToughMoneyLove presents Save on Investment Expenses and Losses: Fire Your Financial Planner posted at Tough Money Love » Hard Truth and Tough Love for Money Problems and Personal Finance

David presents Decision Making 101: Step One The Way We Make Decisions posted at Personal Finance Ology

Penelope Pince presents Save Money and Get More Exercise With a Mini Home Gym posted at Pecuniarities

Heather Levin presents How To Have A Green Valentine?s Day posted at The Greenest Dollar

That concludes this edition. Submit your blog article to the next edition of Festival of Frugality using the carnival submission form. Past posts and future hosts can be found on our blog carnival index page.