No Credit Needed hosted Carnival of Debt Reduction #26.  This week’s Flashback comes from The Common Room: Digging Out of Debt.  The poster attributes financial problems to not having a budget or a plan.  An offshoot of this is that it’s possible to get blindsided by big bills, like insurance or property tax.  Looking ahead to what’s going to be due and planning for it is a key to staying on top of expenses and getting out of a debt hole.

• Debt reduction tip: Make a plan to do something easy It's New Year's Eve and a time for resolutions  It's a time for fresh starts, for new commitments, for laser-sharp focus on all of our ills. It's no better time than the present to make a plan right now, but since this particular right now coincides with the new year,......
• No Debt Plan has posted this week's Carnival A big thank-you to No Debt Plan for hosting this week's Carnival of Debt Reduction!  He's organized the submissions in categories for your viewing pleasure.  His picks this weeks: Help My Money Grow thinks that retirement is not for everyone Early Retirement Extreme tells us why he won’t join the......

• Motivation Tips For Life - A Guide. One of my new favorite sites that I discovered is Zen Habits which is written by Leo in a far away distant land. Recently, he put together an extensive list of his "motivation hacks" that I have found to be of great help in my everyday life of being organized,......
• I Can't Wait To Get My Hands On Some Cash! I've been chomping at the bit to spend some dough! We've been frugal for too long and I need to buy stuff! I can't wait to get my tax refund and my government stimulus check. I can't say it better than Peter Gabriel: Ive had enough, Im getting out To......