This may sound a little bit corny, but ask yourself:

“What will it be like to be debt free?”

You may be experiencing pain from being in debt, from not having enough paycheck for your month, from watching time slip away with unfulfiled dreams.  Getting out of debt to avoid this pain may work, but also remember to look forward to the things you can do when you’re not saddled with so much debt.

If you can’t possibly imagine what good things can come out of being debt free, check out No Credit Needed’s post on twenty things that rock about being debt free.  These are happy thoughts from someone who’s gotten out of a fair bit of debt himself.  The light at the end of the tunnel is nice and bright.

• Carnival of Debt Reduction: Happy Martin Luther King Day! Here are this week's submitted on-topic posts: Reduce Debt Faster gives options for consolidating unsecured credit card debt. Canadian Finance Blog discusses consolidating debts after marriage. Studenomics debates whether student credit cards are a good or bad idea. The Digerati Life offers solutions to break the debt cycle. Bible Money......
• Carnival #100 highlights I promised to comment on the posts for Carnival of Debt Reduction #100 that caught my attention, and here they are.  I'm partial to the personal debt reduction stories mostly, since those were the kinds of posts I envisioned when I started the carnival up nearly two years ago:We're in......

• Very, Very Best Money Saving Tips Over at No Credit Needed (updated link), the blogger has come up with a great idea of summarizing some of the best money saving tips from all around. There's nothing like combining the knowledge of many people and taking the best 5% of that. I read through them and was......
• Your Credit Score Matters So Check it for Free with Credit Sesame If you every plan on buying a house, car, applying for student loans, applying for a credit car your Credit Score matters. Even if you aren’t in the need of debt any time soon one should take responsibility, and, at the very least, have an idea as to what......