Here is a list of some of the best articles from my favorite personal finance websites. Spend some time digging through the Millionaire Money Habits archives and the links below to improve your financial literacy, and learn how to become a millionaire.

Spotlight: Head on over to the Blueprint for Financial Prosperity to download his new, College Grad Money Guide, and don’t forget to check out the new Personal Finance Buzz – a personal finance social network.

Saving:

• 26 Ways To Make Extra Money While Keeping Your Day Job at The Wisdom Journal
• Find The Cheapest Gas In Your Zip Code at Prime Time Money
• 29 Free Or Low Cost Ways To Save Energy & Money at My Two Dollars
• Frugal Tips I Can’t (or Won’t) Do at My Dollar Plan
• Baking Soda: My Favorite Frugal Substance at The Simple Dollar

Credit and Debt:

• Teeny Credit Cards and Big Problems – Are Credit Cards for Tweens and Teens a Good Idea? at beingfrugal.net
• 10 Easy Ways To Stay In Debt at Paid Twice
• What do You Think of Bankruptcy? at plonkee money

Investing and Money:

• Teaching Your Kids About Money at the Dough Roller
• What’s Your Financial IQ? Here’s A Test at Moolanomy
• The Roth IRA as Emergency Fund at Credit Withdrawal
• Invest in What you Know at brip blap
• From Bad Investing Habits To Investing Sins: Many Unhappy Returns at Digerati Life

Personal Finance Carnivals:

• Carnival of Personal Finance
• Money Hacks Carnival
• Carnival of Everything Finance

Millionaire Money Habit: To help you become a millionaire, you need to perpetually improve your financial literacy. Digest as much information as possible and stick to a plan that works for you. Be sure to subscribe to the RSS feed or by email to be notified of new articles posted here.

Rural real estate seems to be a hot trend for investors, but is it really a good investment?

The thought behind buying rural real estate seems to be there is only so much land, and therefore the value can only go up in price. By buying a quiet property out in the middle of nowhere, you can live peacefully and possibly earn a nice return on your dollar if suburbia expands.

Unfortunately it seems many people are duped into buying rural land and end up stuck with a piece of property that is virtually worthless. Take Paula, who shared her biggest financial mistake. Paula and her husband were newlyweds invited to enjoy a nice vacation and take a look at some land in Colorado. The hosts got them excited about the opportunity to make money as a “soon to be ski resorts” was in the works, and they took a gamble and bought the rural real estate. It’s now 10 years later, and they are still trying to pay off the land they can’t even build on.

There are countless other stories just like this where couples go on a vacation and find a nice quiet lot with a for sale sign and think how wonderful it would be to get away from the busy life. Only after they buy their rural piece of land do they find out they over paid for property that is essentially worthless.

If you are going to buy rural land as an investment, don’t do it on a weekend binge, and make sure you do your own due diligence. There are certain things that you have to take into consideration that may not even cross the suburbanite’s mind, such as:

• Is there a well for water?
• Is the property accessible during the spring when it rains, or does the land around the property flood?
• Does it have public access to sewage, septic, electricity and roads?
• Will the public school bus come out there?
• Is the land suitable to build on, or is the ground too soft?
• What will it cost to get the phone company to come out there, and is there any way to get internet access?
• What kind of wildlife will you have to ward off?
• Are the boundaries clearly defined?

If you think you are getting a great deal on an inexpensive piece of rural real estate, check with the city on the items listed above. Generally speaking, the farther away you are from civilization, the more expensive it will be to build and have these services brought out to your property. There’s a good chance your great deal might have been someone else’s headache.

Millionaire Money Habit: With any kind of investment you make, it is critical that you do your own due diligence and fully understand what you are getting into. Don’t buy something with your hard-earned money on emotion. Take your time, sleep on it and make sure everything checks out. “Opportunities of a lifetime” can end up being your biggest nightmare.

One of the most obvious ways to produce more cash flow and create more wealth is to increase your income. You can do that by getting a raise or a promotion, finding a higher paying job, or by starting your own part-time, work from home job. You never know. That little greeting card business you start could just turn into a six figure salary.

Here’s a list of 12 part-time, work from home jobs that you could start today to earn more money:

Cake Decorator: If you’re into baking, that’s a unique skill and people love to spend top dollar on personalized gifts. Put your decorating skills to work and start making some extra money.

Tutor: Parents are often willing to spend a few dollars to keep their kids occupied, and what better way than to make them complete their homework and study to keep their grades high. It wouldn’t take long for you to brush up on your basic math and science skills to be able to help elementary kids study.

Freelance Writer: There’s always work for someone who is a good writer and willing to do some research. You can charge by the hour or by the project if you have the skills. Use sites like elance.com to place a work-for-hire ad.

Online Auctions: Believe it or not, people are still making a living by selling things on eBay. Start with some household items that are just collecting dust, and then branch out to sourcing products from wholesalers to turn a quick profit.

Dog/Cat Sitter: Nobody likes to leave their little puppies alone too long. Turn the animal lover inside you into a money making machine.

Child Care Service: Child care prices are outrageous. If you’re already a stay at home mom, why not add a couple of the neighbor’s kids into the mix to bring in some extra spending cash.

Video Game Tester: There is actually a demand for people who can sit in front of the TV and test out video games. Check out Only 4 Gamers to sign up and get paid to play.

Wedding/Party Planner: Anyone that has gotten married or helped plan an event knows how stressful it can be. If you are creative and organized, you can help alleviate that stress for others.

Legal/Medical Transcriber: If you can type, you can make money. Whether it’s transcribing medical and legal notes, or documenting an interview, there is work that needs to be completed.

Virtual Assistant: Even though many jobs are sending people home to do their work, there’s still a need for someone to do some basic office work. Most of which can be done online or over the phone.

Survey Taking: Those online surveys that keep filling up your spam box do actually pay, but you don’t have to pay a hefty membership fee to join them. Companies like Survey Adventure have free memberships and will pay as much as $50 to review a movie or fill out a survey.

Mortgage Broker: All you need is a telephone and a product, and you can start selling mortgage packages to new home owners or people looking to refinance their loan.

Millionaire Money Habit: Imagine what a few extra hundred dollars a month towards your investment fund could become over time. There’s certainly no shortage of work that you can do to produce some extra income from the comfort of your own home. Think about what you enjoy doing, and put those interests into action.