The financial situation all over the world doesn’t seem to bright, but that doesn’t kill the optimism of the personal finance bloggers. Maybe because your own wealth depends more on yourself than on anything else. Maybe because we just like to believe so.

Tricia @ Blogging Away Debt has published some interesting thoughts about the other costs of making homemade food. With the everyday increasing energy prices will it become cheaper to buy ready food?

On the contrary Jim @ Blueprint For Financial Prosperity has discovered that home grown vegetables taste better.

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Why do most personal finance bloggers write about saving small amounts of money?

Maybe because they have nothing else to say? Not exactly. Most people probably talk about saving few bucks in the grocery store because that’s all they do for improving their finance. It doesn’t take much effort - buy brown rice instead of white, buy from Costco, carpool to save gas, buy used stuff and save $5. Tremendous.

Photo by Daniel Y. Go at Flickr

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It’s hard to get people talking in the August, that’s why I haven’t published any blitz interviews in the last 1-2 months. But now the silly season is over and I am back with a nice one. This time my guest is a girl again - Tricia from Blogging Away Debt. Sweet, I like girls because they talk more *grin*.

Her blog is focused mostly on avoiding debt, saving and frugality. Let’s hear what she has to say:

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If you are not willing to get rich quick through hard work or don’t have the luck and chance to do it in the other ways, don’t worry. There are still few options left. Do you want a less risky one this time? OK, use other people’s money.

The Summary

Conventional investing and business rare make people rich unless they have large startup capital. If you earn 10% yearly profit on your $50k savings, it’s going to take a lot of time before you become rich. But if you can earn only 1% of 50 millions you will be rich right now.

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I don’t know why everyone calls it “9 to 5″. Here it is usually “9 to at least 6″ with one hour lunch break if you are lucky to get it. Anyway, I am not going to argue about the exact duration of the typical working day - I prefer to talk about its alternatives.

Photo by Jele! at Flickr

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If you are reading this blog from the beginning you may remember that it had a strong focus on managed trading accounts and especially forex. I invested quite a lot of time and energy to research, review and follow the performance of various managed accounts.

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A couple of months ago in a guest post for Cash Money Life I spoke about investing in yourself as your best asset (in agreement to Patrick). If you have not realized yet that you are your greatest asset and are still hunting for the big money in forex, maybe you’ll prefer to skip reading further.

Photo by Melody Campbell at Flickr

If you are still here, you may want to dig further what investing in yourself is all about. While seen in general it all comes to personal development, let’s distinguish a few main directions.

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The first way to get rich quick hides significant risks and requires hard work. The second way reduces the hard work in exchange to even higher risk. The third way we are going to discuss now. It is flexible enough and lets you trade risk for hard work or money for risk.

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August is the laziest month in my part of the world and it’s no surprise there have been less posts on this blog this months. But the fellow bloggers don’t sleep - or at least not as much. They have provided a lot of interesting articles. Let’s check them out:

Connie at Blueprint for Financial Prosperity thinks that babies are expensive. Can you argue with her?

If the dropped prices of the houses are still too high for you, check out what does it cost to build a house yourself. Carl’s blog have a lot of information about that as well.

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