Thanks everyone for your patience with this week’s Carnival of Debt Reduction. Terry Lange over at From The Unknown has had bad problems accessing his blog. He’s given the good fight, and he’s passed on this week’s carnival here after putting it together. Thanks to Terry for putting this together! Here it goes …

There are never any bad questions, so we will start our carnival with a good question posed by Jen from Picture of Wealth

Jen presents How Truthful are YOU About Debt? The $40,000 Question. posted at Picture of Wealth.

We move from a question to a list.

Grace presents I’m Makin’ a List & Checkin’ it Twice posted at GRACEful Retirement.

We are also given a great reminder from the King of Debt:

King of Debt presents The Temptation Is Always There posted at We’re In Debt.

During the process, motivation and energy are the keys. Also Dave Ramsey has said that “debt reduction is 90% behavior modification”

FMF presents Get Organized, Get Energized, Get Out Of Debt posted at Free Money Finance.

John presents Almost Debt Free: Choosing the Best Emergency Savings Plan For You posted at Queercents.

Jeffrey Strain presents Credit Card Balance Transfer Offers – What To Look For posted at SavingAdvice.com Blog

David presents Pay Off Debt Or Invest – Well, It Depends. posted at My Two Dollars.

Eric Stanley presents Need a Money Making Idea? posted at Personal Finance Blog Articles.

And that’s it for this week! Next week Getting Green hosts!

• Four Pillars has posted this week's Carnival A big thank-you to Quest for Four Pillars for hosting this week's Carnival of Debt Reduction.  His picks for this week from the submissions: Jeff Rose talks about debt consolidation loans. The Canadian Finance Blog discusses the difference between fixed and variable-rate mortgages. Debt Goal reports that foreclosure problems arrive......
• Debt Sucks has posted the Carnival Thanks go out to Debt Sucks for hosting this week's Carnival of Debt Reduction! Here are his picks for this week: My Wealth Builder has achieved zero debt -- including the mortgage! Congratulations! Free Money Finance discusses to five ways to use credit cards wisely. The Digerati Life posted some......

• Is Dave Ramsey Right? Are Credit Cards the Cigarettes of Finance? [ad#468x15-content-links] I've been listening to Dave Ramsey's radio show on my way home form work the past couple of weeks, and I must say I really enjoy it. But he does keep saying something that kind of bothers me a little: "Credit cards are the cigarettes of the financial world."......
• MBH.com is hosting two carnivals next week The Carnival of Debt Reduction and the Festival of Frugality will be here next week! This is a fun part about being a personal finance blogger ... reading all of the great posts submitted to the carnivals!  I'm looking forward to reading your best stuff! The easiest way to submit......