A big thank-you to Green Panda Treehouse for the fantastic feast of a Carnival this week, from hors d’ouvres to the desserts.  What’s more, there were five entrees:

• Digerati Life gives ten frugal steps to help survive an economic crisis.
• No Credit Needed describes how credit card companies calculate minimum monthly payments.
• Erase Debt shows how to get rid of debt with less stress.
• Finance Tips 101 reports on dealing with credit repair.
• Cash Money Life explains how this year’s credit crunch affects you.

Enjoy the good fixings!

• Me vs Debt has posted a solstice carnival Many thanks to Me vs Debt for hosting Carnival of Debt Reduction #118.  This week's carnival has a winter solstice theme, complete with pictures of constellations that will be visible on the shortest day in the northern hemisphere.  Very clever! Her "Ursula Major" editor's picks were: Being Frugal's Twelve Days......
• Gather Little By Little has posted the Carnival! A big thank-you to Gather Little By Little for hosting this week's Carnival of Debt Reduction!  Two posts on student debt caught his eye and rose to the top: Art of the Coupon presents emotes with a law student's lament. Tough Money Love calls the college student debt machine a......

• 0% APR Balance Transfer Credit Card Offers Are Back! It has been a while since I get a 0% APR balance transfer credit card offers in the mail -- actually, any kind of credit card offers period. Perhaps this is a sign that the financial sector is recovering, or at least, the credit market is freeing up a bit.......
• There is Life After Debt One of the greatest myth's people have bought into is the benefit of bankruptcy. This idea brings us to the fourth Biblical Financial principle, which is the understanding that there is Life after Debt. Understand God’s Ownership (Psalms 24:1) Learn to Save Money (Proverbs 21:20) You Must Live on Less......