We’re always happy to have No Credit Needed host the carnival, and here is this week’s! Three groups of seven posts apiece on personal debt reduction stories, credit issues, and sharpening the saw on debt reduction tools.

Check it out!

• Welcome to Carnival of Debt Reduction #119 Good morning!  Thanks for stopping by, and I hope and pray that you and your family have a blessed Christmas. Welcome to this week's Carnival of Debt Reduction! A number of good articles this week, so let's get started. Some of my friends have consolidated their debt with a home......
• Carnival of Debt Reduction is up at No Credit Needed My bad for being extremely tardy announcing this one.  The Carnival of Debt Reduction is up over at No Credit Needed!NCN did a great job painting a picture of how to accomplish debt reduction with this week's submitted posts.  It strayed a bit from stories strictly about debt reduction but......

• Four and twenty Debt Reductions, baked in a pie Two dozen Carnivals of Debt Reduction already, and it's back to home base. Thanks for all of the great submissions! Here we go! Five Cent Nickel heads off the pack with some chat about Dave Ramsey's Baby Steps -- apparently he has a soft spot for some of Dave's ideas.......
• Debt Reduction is more Important than Your Credit Score If you are a baby boomer with a pile of consumer debt, you are not alone.  Many economists and members of the younger generations are blaming us for the dramatic rise in the use of consumer credit.  We baby boomers are also accused of inflating then collapsing the housing bubble.......