It’s blog carnival time again. This week, we have three more carnivals to share.

First, the Carnival of Personal Finance #224 hosted by My Life ROI. In addition to my post about flood insurance, I also recommend Pragmatic Environmentalism’s lesson on caulking to save energy. It won’t keep out flood waters, but it will keep you warm.

Next, the Festival of Frugality #197 hosted by Funny about Money. In addition to my post about handmade Christmas gifts, I also recommend Make It From Scratch’s instructions for fleece mittens and scarves.

Finally, the Money Hacks Carnival #84 hosted by the Military Finance Network. In addition to my post about renter’s insurance, I also recommend Lazy Man’s new method for deciding whether to buy something. It’s WAY better than the Latte Factor.

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