Yu-Yevon:

You have to go to the bottom of the page and click "Continue to Deviant Art."

PS a lot of my teachers have frowned on smuding, because it looks dirty, finger prints can be left behind, it's very uncontrollable (you'll get darker areas and lighter areas in planes that should be equal) However, if smuding is really your thing you should get a smudge stick. It's pretty much like a softened rolled up paper that you use to spread colour in whisps... instead of hard lines like the fingers. (with fingers and smudging you may get permenent lines in your work from the edge of your fingers that is difficult to eliminate without involving an eraser... and erasers are usually tools that are seen as a clean up for light lights... =( I've made more messes than fixes when it comes to erasers.
Different people have different opinions. The majority isn't always right. As for using your fingers to smudge, that's generally not what people are talking about when they say "smudging." People use stomps/torillions to smudge pencil in most cases. Fingers are more commonly used with pastels because the oils on our skin can be helpful. Yes, it can look messy... if an amateur is doing it. If you're experienced it will look very smooth, and very clean. It's especially useful for realistic work.