More Money Friday: Personal finance around the web

Five interesting stories from around the web:

• The U.S. unemployment rate cracked double digits this morning. Clusterstock takes a look at the cities where it is hardest to find a job. [The New York Times, Clusterstock]
• Report: Hundreds of credit cards are still using "unfair or deceptive practices." Cards are upping interest rates, penalties and fees ahead of regulatory changes coming in February. [MarketWatch]
• Why do so many people fail at making a budget? It's because, according to Wise Bread, they omit a crucial task: Tracking what they spend. Here's a step-by-step guide to getting started. [Wise Bread]
• The National Association of Realtors' seasonally-adjusted pending home sales index rose for the eighth consecutive month in September, but Move.com says it didn't see its usual spike in listings last spring. The site says visitors are browsing, but not buying. [Hot Property]
• Princeton professor Daniel Kahneman discusses attitudes toward gains and losses, and why overconfidence hurts individual investors. [Nightly Business Report]