Necessary Virtues has posted this week’s Carnival of Debt Reduction!  A number of great articles in this carnival; here are some favorites.

• Matt Hutter tells how to avoid using credit cards.
• Credit Cave outlines his debt repayment plan.  (Keep it up Andy!)
• Free Money Finance shows how to pay off a boatload of debt quickly.
• WallerBlog reduces debt with a snowball.
• Binary Dollar continues the race to owing nothing.
• No Credit Needed has a sure-fire debt reduction process.

Next week Blunt Money hosts, so submit your post for next week’s carnival here!

• Picks from this week's carnival As promised, here are some of my picks from this week's Carnival of Debt Reduction: Searchlight Crusade does his usual thorough job with this post on forty- and fifty-year mortgages. New and creative ways to goad people into taking on more debt than they can handle so that they're forever......
• Flashback: Choose carefully which debt you repay first Free Money Finance hosted Carnival of Debt Reduction #12, and the post by Retire at 30 entitled Don't Repay Your Student Loans isn't exactly the crux of the post, but the point inside is a good one.  Some loans are worth paying off early.  (Actually, all non-productive loans are worth......

• RCDL Roundup - On the First Day of Xmas My True Love Gave to Me... lots of link love. Banking, Credit, and Debt Credit Karma asks Is a Credit Union Right For You? NCN posts Up, Up, And Away - Check Your Credit Card Statement! Cash Money Life blogs Two Financial Goals - Less Debt, More Income. Guest Post:......
• Money Hacks Carnival #13 -- Money Saving Hacks Edition Welcome to the "Money Saving Hacks" edition of Money Hacks Carnival. We have over 60 submissions this week, so this is a fairly long carnival. Let's start off with the editor's picks, and don't forget to check out money saving tips. Editor's Picks Smart Moves To Lower Your Health Care......