Moneyning was the editor of the week for the April 7 Carnival of Personal Finance.

Here are some of the posts you’ll find on the showcase:

• I’ve Paid Twice for This Already presents Budgeting on An Irregular Income: “The easiest way to do this is to come up with your average earnings over an at least 3 month if not a year period.” This concept will help you factor in the unpredictable overtime pay, temporary layoffs that put a wage earner on unemployment, or self-employment pay.
• Money Under 30 presents The Annual Cost of Pet Ownership: “The costs of brining an animal into your home go far beyond any initial adoption fee, which can vary from nothing at all to hundreds of dollars.” I saw a similar chart about two years ago that the Humane Society of Monroe County distributed about caring for kittens and using local adoption, medical and misc. expenses.
  
• Discover Debt Freedom presents: Ten Facts Credit Card Companies Don’t Want You to Know: “If you haven’t figured it out yet, the credit card exist for one reason and one reason only—to put you into more debt.” If you have a need for a product or service, figure out the least expensive way to accomplish that goal so there are fewer reasons to use a credit card in the first place.
• You Might as Well Burn $5 presents: The $37 latte. “We start to play beat-the-bank, thinking we’ll deposit more before the transaction clears, and we begin to believe that it’s ok to overdraft.” Here’s more food for thought. In addition to what the bank may charge you, some businesses add their own fees to your bounced checks or will refuse your check in the future because of the nuisance they have in collecting the funds!
• Think Your Way to Wealth presents Top Ten Ways to Aggravate Your Spouse or Significant Other With Your Frugality: “Shut off the hot water heater while your spouse is in the middle of a long shower.” Hmm. That would not go over well. Besides, it is probably fair to say that, overall, my husband is more frugal than me.
  
• And Monroe on a Budget presents Financial Lessons from To Kill a Mockingbird: “How does character relate to finances? Well, when times are tough and finances are limited, who will you choose to do business with?” I wrote this piece for my local audience in support of The Big Read and submitted it as my “blog article of the week” for a mention on page A3 of today’s print edition of The Monroe Evening News. But this is such a well-known book I thought the piece would also be of interest to the national personal finance audience.