Welcome to No Credit Needed and the 200th edition of the Carnival of Debt Reduction.

Credit Scores:

Several of today’s articles deal with credit scores.

Moolanomy has instructions for getting a free credit score from Annual Credit Report.

Five Cent Nickel asks – What is a good credit score?

Green Panda Treehouse has several ideas for fixing an inaccurate credit report.

The Digerati Life answers – What does your FICO score mean?

Credit Cards:

Two of today’s articles deal with credit cards.

My Life ROI writes about ways to avoid credit card costs.

Ask Mr. Credit has suggestions for dealing with rising credit card minimums.

Personal Stories:

Five of today’s articles deal with the personal side of personal finance.

Ready to Change is following Dave Ramsey’s Baby Steps.

M is for Money is determined to pay down consumer debt.

Debt Kid reminds us of the importance of the emergency fund.

Money Help for Christians is writing a series about steps towards debt reduction.

One Million and Beyond is focusing on one goal – improving personal finances.

I want to thank those who submitted relevant articles to this week’s carnival.  I’ve writtend several articles about debt reduction, including how to get stated with Debt Reduction 101 and a free Debt Reduction E-Book.  If you like the look of my site, consider subscribing to daily updates via RSS or free daily Email.  And, if you use twitter, you can follow me here.

Monday, No Credit Needed will host the 200th Carnival of Debt Reduction.  If you are a blogger, click here submit a recently written debt reduction-related article before Sunday at 5:00 PM Eastern.  As incentive to submit articles and promote the carnival, Mighty Bargain Hunter (the carnival’s creator) is giving away some pretty sweet prizes.  Thank you in advance for your submissions, and please check back Monday at 7:00 AM for the 200th Carnival of Debt Reduction.

Welcome to the Carnival of Debt Reduction.  Below, you will find links to articles about debt, debt reduction, credit, credit management, and frugal living.  I want to thank those who submitted articles.

Clever Dude has made a change in his debt reduction strategy.  It’s always good to take a look at alternatives to your original plan.

Fiscal Liberty reminds us to ask ourselves how much we are really spending.  Having an accurate budget will help ensure that you know exactly how much money you have available for debt reduction.

Engineer A Debt Free Life is reducing debt by brown-bagging it.  It’s amazing how little amounts quickly add up.

Fix My Personal Finance has suggestions for dealing with credit card debt.

Free Money Finance has an interesting article about young people and the financial struggles they face.

The Happy Rock has an interesting take on Rich Dad, Poor Dad.

Cash Money Life compares carbs and credit.  Remember when a baked potato was health food?  The good old days…

Credit Addict has some ideas for how to find a zero percent credit card offer.  Surfing your balance can really help to reduce interest, but be careful.

Hello Money finds an online calculator and changes a debt reduction plan.

Ken Nubo has a tongue-in-cheek top 10 ways to reduce debt.

Art of the Coupon reminds us of the power and necessity of the good old Emergency Fund.

Five Cent Nickel has a list of credit cards that will give you zero percent and not charge a balance transfer fee.

Everything Finance writes about your debt free future.

Frugal Dad suggests that it’s a bad idea to pay credit card payments if you can’t pay your mortgage payment.

Tough Money Love jumps into the middle of the good debt / bad debt debate.  I like my rule – No debt!

The Digerati Life (still the coolest blog name around) has some tips for living a debt reducing, frugal life.

Personal Hack has a philosophical post about debt reduction, weight loss, and happiness.

Harvesting Dollars has a very interesting post about which debts to pay off first.  I really, really like this article.

Again, I want to thank those of you who submitted articles.  If your article was not included, one of two things happened.  Either, it was so off-topic that I couldn’t find a way to work it into a carnival about debt reduction, or, I didn’t receive it because Blog Carnival’s site was down.  If you have questions about why your submission wasn’t included, feel free to hit my contact button at the top of the page and shoot me an email.

For those of you who are new to my site, welcome, and I hope you’ll take a minute to view this handy debt reduction guide, complete with a free e-book.

No Credit Needed will host the next Carnival of Debt Reduction.  If you have a blog and you have write about debt reduction, click here to submit an article for inclussion in Monday’s carnival.  Articles should be submitted before 6 PM Eastern, Sunday.

I’m not a big fan of carnivals.  I just get kinda weirded out by all of the noises and the smells and high prices.  I can’t remember ever coming home from a carnival and thinking, “Man, I had a great time!”.  No, usually I’m thinking, “How did I get talked into going there in the first place?”.

But, there is a type of carnival that I really dig – a blog carnival.  And, this week, I submitted articles to two of my favorite blog carnivals – the Carnival of Debt Reduction and the Carnival of Personal Finance.  I’m pleased to report, both articles were named editor’s choice by their respective carnival hosts.  Rock on!

Click on over to Mighty Bargain Hunter to view this week’s Carnival of Debt Reduction, featuring several articles about debt reduction, including mine, Five Free And Inexpensive Ways To Reduce Your Debt.

Then, head over to Squakfox to view this week’s Carnival of Personal Finance, where you’ll find links to dozens of personal finance articles, including mine, Yet Another Motivation For Keeping My Financial House In Order.  I also really liked this article from My Two Dollars – Following The Rule Of 10%.

By the way, if you are new to blogging, you might be unfamiliar with the term blog carnival.  Basically, here’s how a blog carnival works -

1. Bloggers submit articles about a specific topic.

2. A host blog compiles those articles and presents them in list-form, linking back to the original articles.

3. The host blog changes from week to week, thus the use of the term carnival.