Welcome to the 195th edition of the Carnival of Debt Reduction! The theme of this carnival is building something solid. As I mentioned yesterday, finances, like construction involves putting time and energy together to make a success.

Having the right tools can make all the difference.
Lots of wonderful posts about building your finances up, so let’s check them out!
Editor’s Choice
- Man Vs. Debt submitted a wonderful post on “Pay Off Debt” iPhone App Review. BTW, Baker is traveling to Australia so I hope his family has a safe trip!
- Looking for ways to gather some money to pay down debt? Coupon Tip – Making Sure It’s Always Available has advice from Money Ning.
- Free Money Finance has some practical tips with Seven Ways to Wreck Your Credit.
Actionable Debt Reduction Plans
- Debt Free Adventure wrote a great post on Simple & Strategic Plan for Debt Repayment and Emergency Fund Savings.
- Wealth Pilgrim submitted a post called, My Kid Starts College in September & My Savings are Gone. Now What?
- How to Develop a Plan to Repay your Credit Card Debt is detailed step by step at AmericanConsumerNews.

Planning ahead can save you time and money.
Setting Yourself Up for Success
- 5 Great Reasons to Have Less Debt is explained at Prime Time Money.
- Money Help For Christians shares a plan for a Debt-Free Christmas in 2009.
- Automatic Finances points out some of The Best News Coming Out of the Recession.
- Credit crunch means talking about money and the lack of it is a conversation started by Money Saving Tips.
- My Journey to Payoff half a million in debt is chronicled at Money Stance.
- SuccessHound asks if you are Having Trouble Trying To Pay Down Debt?
Credit Card Debt Reduction

Seeking the help of others can give you a leg up.

Seeking the help of others can give you a leg up.
- Raag Vamdatt shows us How to use a credit card the financially prudent way.
- Looking to pay down debt without having a lot of interest? 0% APR Balance Transfer for 12 Months has a list from The Dough Roller.
- PF Credit Cards also has Zero Balance Transfer Credit Card Offers listed.
- The Digerati Life offers very helpful infromation with Prevent Identity Theft: Some Credit Report Monitoring Services and Options.
Reviews and Questions on Debt Reduction
- Christian Debt Help did a book review of the Complete Idiot’s Guide to Getting out of Debt.
- The Smarter Wallet answers the question. Should You Use Credit Cards To Reduce Your Mortgage?
- Ask Mr Credit Card interviewed Broke Ass Student – A Debt Reduction Story .

Follow guidelines, not hard and fast rules. One size does not fit all.
Misc.
Wonderful posts that defied a category, so they got their own!
- Debt Freedom Fighter presents Increase Your Savings with 5 Simple Tips.
- Savings Toolbox asks, Are you Saving For a Job Loss or Job Change?
Photo Credit: wools, billjacobus1, jphilipg, and Todd Ehlers
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[...] **UPDATE** This article was picked as an editor’s choice in the 195th Carnival of Debt Reduction! [...]
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