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.

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Carnival Of Debt Reduction 200

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.

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No Credit Needed Will Host 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.

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Carnival of Debt Reduction

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.

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No Credit Needed Will Host The Next Carnival Of Debt Reduction

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.

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The Only Carnivals That I Really Like

Welcome to the 129th edition of the Carnival of Debt Reduction.

Personal Stories About Debt And Debt Reduction -

DebtFree Revolution is debt free!  Read this post and celebrate this awesome accomplishment.

College of Cash has created a plan to attack debt.

BeingFrugal has an interesting post about ‘waking up’ and a financial epiphany.

Antishay presents the first in a three-part series about getting into and out of debt.

ThriftyFloridaMama suggests that giving kids an allowance can help with debt reduction.

SmartEasyMoney has begun to implement the ever-popular snowflaking technique.

Me Vs. Debt has a debt snowball dilemma.

Thoughts About Credit Issues -

Bible Money Matters has 7 tips for improving a FICO score.

Free Money Finance writes about mortgages and refinancing.

Squawk Fox has some thoughts about ‘good debt’.

PTMoney has some some thoughts about the role of credit.

Funny About Money has some thoughts about the current mortgage crisis.

Not The Jet Set has some thoughts about delaying a purchase.

Paid Twice reviews the idea of a debt snowball.

Ideas For Improving Finances -

The Happy Rock reminds us to go big or go home.

American Consumer suggests some ideas for living on one income.

Butler Project has suggestions for resisting the urge to spend money.

Small Cents reminds us that the little things can really add up.

Debt Prison has some ideas for saving money.

No Debt Plan writes about using a budget.

Destroy Debt reminds us the power of using a budget.

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Carnival Of Debt Reduction #129

No Credit Needed will host Monday’s Carnival of Debt Reduction -

If you have written an article about debt reduction, please submit it via Blog Carnival.

Savings Chart Update - 

I have created a non-retirement savings goal and I am tracking my progress over at the No Credit Needed Network.  Click here to view my updated progress – NCNSavings2008.  I have managed to save 37.5% of my goal.

I should have a new episode of the No Credit Needed Podcast in the next few days.  I have been very, very busy at work – and I haven’t had the time it takes to record and release a new episode.  But, I hope to be able to sit down tomorrow or Monday and record.  In the meantime, checkout the site and listen to a few of the archived episodes.

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News And Notes From NCN (Alliteration, Baby. Alliteration.)

Welcome to the 114th Festival of Frugality.

What’s a blog festival?

A collection of articles about a specific topic – in this case, frugality – from various writers, compiled and organized, and presented in an easy-to-follow format.

The Festival of Frugality moves from site-to-site and you can find links to all past festivals by following this link.

I hope that you will think about bookmarking this page so that you can come back often and read all of the following articles -

Saving Money While About Town -

Getting Ahead writes about how to create an effective grocery list.

Cheap Healthy Good writes about brand loyalty and how to love generic.

Mommy Gets Paid writes about being frugal and fashionable.

Million Dollar Journey writes about eating in before you eat out.

Being Frugal writes about sales that aren’t really sales.

Money And Values writes about being a frugal baseball fan.

Pennies To Nickels writes about Publix and their penny deals.

Free From Broke writes about how we can save money using our feet.

Saving Money While On The Road -

Stop The Ride writes about saving money when going on vacation.

Wise Bread writes about how to save money when seeing the sights.

Traveling Mamas writes about having a fabulous, frugal vacation.

Me, My Kid, and Life writes about currency exchange rates.

Beat The Gas Pump writes about saving 14% off your gas costs.

Money Crashers writes about buying a new house in a new city.

Saving Money At Home -

The Digerati Life writes about slashing a budget by 25%.

Free Money Finance writes about frugal ways to outfit American Girl Dolls.

The Frugal Duchess writes about the shocking results of an energy audit.

Money Blue Book writes about ten purchases to avoid if you want to save money.

My Two Dollars writes about making a wallet out of duct tape.

Chief Family Officer writes about buying an appliance at a deep discount.

Savvy Frugality writes about ten easy ways to save money on household bills.

Uncommon Cents writes about using the web to find deals and discounts.

MoneyNing writes about saving money when moving.

Value For Your Life writes about frugality and calories.

Prime Time Money writes about rebate headaches.

The Sojourner writes about a frugal, filling meal.

Be Thrifty Like Us writes about home repair and calling a repair specialist.

Allie’s Answers writes about making your own cat liter.

The Wastrel Show writes about setting financial priorities.

Erica writes about renting verses buying.

Squawkfox writes about beans, beans, and beans and how they can change your life.

Monevator writes about how much you need to retire.

Finance Blog writes about saving money and saving the environment.

Greener Pastures writes about freebies and free stuff.

Funny About Money writes about building a weekly – not monthly – budget.

Paid Twice wries about snowflaking and the snowflaking revolution.

Sound Money Matters writes about saving money when filing taxes.

Mrs. Micah writes about budgeting and not buying stuff.

Small Cents writes about selling books.

A Penny Closer writes about creating sentimental, useful gifts.

Lightning writes about environmentally-friendly, frugal cleaning.

Dimples writes about saving money when purchasing groceries.

Free Fab Stuff writes about finding free fragrances for men and women.

Millionaire Money Habits writes about how to find a financial adviser.

Ask Mr. Credit Card writes about credit cards and rewards.

My Dollar Plan writes about free points from my points.

Thoughts About Frugality And Saving Money

Frugal Dad writes about teaching your kids about money – using four quarters.

Rather Be Shopping writes about being frugal and being cheap.

Not The Jet Set writes about being ‘extravagantly frugal’.

Smart Easy Money writes about consumerism and frugality.

Quest For Four Pillars writes about the true meaning of ‘the good life’.

But Why Doesn’t It writes about inflation and spending less money.

Millionaire Mommy Next Door writes about bringing dreams to fruition.

Think Your Way To Wealth writes about taking extreme measures to save money.

Early Retirement Extreme writes about voluntary simplicity and ultra-marathons.

We’re In Debt writes about saving first and then buying second.

Campus Grotto writes about the pros and cons of working while in college.

Just Shoot Me Now writes about frugal habits.

Unclaimed Money writes about patience and frugality.

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Festival Of Frugality #114

Welcome to the 121st Carnival of Debt Reduction – A collection of posts about debt reduction, debt repayment, and debt avoidance.

On to the posts (which should open in a new window when you click them) -

Savvy Frugality has great ideas for how to use a financial windfall to reduce debt.

Free Money Finance writes about the age old question – retirement funding or debt reduction – or both?

Debt Free Revolution has an inspiring 2007 rap-up post.  Check out that awesome progress!

Motherhood 101 Plus reminds us to pay our bills, on time.  Yes, mam.

Debt Reduction Formula writes about… a debt reduction formula.

Paid Twice has a great post about dealing with debt reduction ups and downs!  (Editor’s choice)

Being Frugal is in the black!  Great job!

The Digerati Life has some thoughts about folks who have major debts.  Interesting read.

We’re In Debt suggest that you make more money so that you can quickly reduce your debt.

Finance and Fat has some information about debit cards.  Are they safe?

Bankruptcy Lawyer’s Blog writes about bankruptcy.

I want to thank the bloggers who submitted articles for this week’s Carnival of Debt Reduction.

Articles which were off topic were not included.

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121st Carnival Of Debt Reduction

Here’s a quick reminder for all readers and personal finance bloggers.

No Credit Needed will host tomorrow’s Carnival of Debt Reduction.

Bloggers, please click here to submit your recent debt reduction article.

Readers, please check back at 8AM Eastern on Monday for the 121st Carnival of Debt Reduction!

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No Credit Needed Will Host Tomorrow’s Carnival Of Debt Reduction