Welcome to installment 93 of the Carnival of Debt Reduction! I’ve included a little over half of the articles submitted through the BlogCarnival.com form to keep the Carnival close to topic. So enjoy this week’s posts in the Carnival and be sure to check each one of them out!

• MoneyNing shares some experiences as Wells Fargo woos him with an upgraded no-limit credit card. He doesn’t see this as a “benefit,” and neither do I.
• Getting out of Debt highly recommends using a snowball method calculator to weigh your options as you get out of debt.
• Do you crave money? If so you’ll want to read this post by Compelled by Reality.
• I’ve Paid for This Twice Already (love that name!) shares a quick post on paying debt down by the penny.
• Forming relationships and support networks really matter when undertaking debt reduction, as The Happy Rock discusses.
• Here are thirteen ways to tackle that mountain of debt, from Stop The Ride.
• My Debt Relief Plan marries some advice on getting out of student debt and building up other skills to to accelerate the debt repayment.
• The Simple Dollar answers a reader’s question about withdrawing from a 401(k) to pay off credit card debt. Lots of discussion about Trent’s answer, so grab a cup of coffee!
• Home Finance Freedom discusses the decision to pay down a mortgage or invest. Not doing it correctly could result in a $200,000 blunder.
• No Credit Needed presents five options for determining which debt to pay off first.
• And finally, Bootstrapper serves up five reasons to get out of debt fast. They’re not all financial reasons!

Thanks for all of the great submissions this week! I appreciate your time!

• The Carnival is Up at Mighty Bargain Hunter The Carnival of Debt Reduction goes back home to Mighty Bargain Hunter this week.Some picks for this week out of the great submissions:Scott on Money with an interesting suggestion on getting debt reduction for Christmas.War on Credit Cards says don't pay the minimum!Tricia had a little extra help not using......
• ABCs of Investing has posted the Carnival Thanks to ABCs of Investing for posting an investing-related Carnival of Debt Reduction.  He makes a nice tie-in to how debt reduction enables sound investing practices.  As much as I like the carnival to be only about debt reduction, it's part of a bigger whole:  once you've reduced your debt......

• Credit Cards that Help? Not for me just yet I have discussed in the past that being that I am not out of debt, a rewards card is not a good decision...right now, but every so often I think about the rewards associated with credit cards. Regardless of my personal situation, I found an interesting article  in Wall Street......
• Back to Basics: Reduce your debt Being in debt simply means that at one point you borrowed money to fund some purchase, and are now paying it back over time.  (For the purpose of this post, I'm not going to lump in "profitable" or "good" debt that is used to make money reliably for the borrower......