Blogging Away Debt Our Journeys to a Debt-Free Life

by Tricia

Hi Everyone! Welcome to the 74th Carnival of Debt Reduction.

We’ll start off with a few highlights:

Sarah Winfrey presents Bad beliefs and emotions that lead to debt.

“…I realized that the good beliefs weren’t directly connected to money, they were connected to my confidence, happiness with my life, and security in myself and my choices. To grow financially, I had to grow in all of those areas first, before I could even begin to look directly at the weird urges to spend…”

David presents Living Below Your Means – What It Really Means To Me.

“I guess what I am trying to say is that what you own, what you drive, where you live, what your job is, or where your kids go to school should not be important to anyone else but yourself.”

And here are the rest of the submissions:

Stephanie presents Race Towards Financial Freedom.

“Since the two of us are both trying to clean up our finances, I developed a little game that I hope we both stick to.”

Golbguru presents Getting Rid Of Your Debt Without Worrying About The Latte Factor.

“In my opinion, we fall for the “latte factor” quickly because it is much more visible than other subtle (sometimes bigger) problems.”

Paul presents Borrow to get out of debt – a smart move?

“Spending more than you make is a very bad habit to be in – and make no mistake, it is a habit.”

Mr Credit Card presents Debt Reduction Steps.

“My friend Stacy recently took some steps to reduce her debt. She discussed her situation with me and we also talked about steps for her to take.”

Maria presents Debt Reduction Tools.

“As a part of my strategy to rid myself of my debt, I have designed a couple of tools to track my progress. My Debt Reduction Graph and my Debt Reduction Record.”

Martin presents Which Debt to Pay Off First.

“With all this money coming in, I will be paying off a lot of my debt and I will need to choose what loan to pay off. Do I pay off the lower amount or the higher interest loan?”

Simple Guru presents Debt Free in Three Steps.

“Today we are going to show you an effective way to pay off all your debts, and its tailored to your financial personality.”

FMF presents Don’t Loan Money to Friends and Family Members.

“When I was in college, my grandmother “loaned” me several thousand dollars to help pay for my schooling. We both knew that it was a gift.”

Silicon Valley Blogger presents Of Loan Refinancing, Debt Consolidation And LowerMyBills’ Dancing Cowboys.

“It discusses a company in the loans and debt services industry and covers their advertising campaign.”

bluntmoney presents Debt & the Grand Canyon.

“In many ways, getting into & out of debt is like hiking the Grand Canyon using Bright Angel Trail.”

Steve Faber presents How The Red Flags of Debt Can Save You.

“These will tell you in advance when debt is about to become a real financial problem for you.”

David presents 11 Tips to Get Your Prosper Loan Funded.

“Now that Prosper and its network of everyday lenders is helping me, I did some research into what factors contribute to a successful loan request.”

Kevin presents Use Prosper.com to Repair Your Credit.

“Repairing damaged credit is a critical step in reducing debt since better loan rates mean more principle can paid off for the same amount of payment. Can one really repair one’s credit with Prosper.com alone?”

Big Cajun Man presents RRSP Season.

“I think personally I should be paying down debt, but it also does feel good having some money put away for your retirement, or for a rainy day.”

Kirby presents How to stop nickel and diming yourself into the poorhouse.

“…by following the above plan I was able to cut out a HUGE chunk of my expenses. By doing so, I was able to accelerate my debt payments and sleep better at night.”

NCN presents Avoid 10 Common Debt Reduction Mistakes

“If you want to get out of debt (and stay out of debt) pay close attention to the following.”

Sagar Satapathy presents Old & In Debt

“According to recent statistics, across the nation, seniors are becoming the face of the indebted.”

Jeffrey Strain presents Downright Scary Debt Collection Tactics.

“When it come to recovering zombie debt, debt collection agencies will go to great lengths to try and pressure you into paying back the debt even when you are no longer legally responsible to do so.”

jim presents How To Lower Your Credit Card Interest Rates.

This one isn’t actually written by jim, it’s written by me as a guest article on his blog. He sent it for inclusion in this week’s carnival 🙂

That’s it for this week. Twenty-one articles. I hope you enjoy, and stop by Money, Matter and More Musings for next week’s carnival.