One of my favorite carnivals is the Carnival of Debt Reduction – getting out of debt has been a long term goal of mine, and I know that it’s a goal of many to pay off their debts and live the debt-free lifestyle.  I do apologize for the late publication of the carnival- it was due out yesterday but after traveling for several days, it just slipped my mind that I was given the honor to post this week’s edition!  So, let’s just get to it!

The Carnival of Debt Reduction: As Suze Orman might do it (if she did carnivals, anyway, instead of things like the Oprah show!):

Quotes from Suze Orman’s book, “Young Broke and Fabulous”:

Listen, I know dealing with money, especially the lack of money, may not necessarily be high on the list of priorities.  But something motivated you and brought you to this page…

Laura, from No More Spending, has made the commitment to getting out of debt, and shares her story in  Tunnel Vision, Focus, Going Gazelle, anything will do, just get out of debt

Heidi presents A Penny Saved is More than a Penny Earned! posted at Little People Wealth.

Ashley from the Wide Open Wallet shares Debt Reduction for 2008, a snapshot of how much she’s paid and how much of those payments went to principal and how much went to interest.

Jennifer Derrick presents Financial Regrets From This Past Year and What I’ll Do Differently In ‘09 posted at Saving Advice.

Young people have the greatest asset of all on their side – time.

Deposit Accounts teaches us that Learning to Live on 70% of Your Income posted at Deposit Accounts, is a great way to find money to repay debts or invest.

Tom Tessin presents How People Cut Out Debt posted at FSC Blog.

MoneyNing presents Do You Switch “Frugal Mode” On When You Come Back from Vacation? posted at Personal Finance Blog by Money Ning.

Tristan presents When Should I Change Mortgage Lender? posted at Debt Consolidation Quote.

Carson Brackney of Personal Finance Analyst asks the common question, Investing vs. Paying Down Debt – Which Way Should You Go?

Broke is: paying your rent with a cash advance from your credit card.

Debt Freedom Fighter presents 3 Methods to Discover the Best Company For Credit Card Debt Relief posted at Discover Debt Freedom.

David presents Keep Emergency Fund Or Pay Off 0% Balance Transfer Credit Card? | My Two Dollars posted at My Two Dollars.

apply4-credit presents 5 Secrets the Credit Card Companies Don’t Want You to Know posted at Apply4-Credit.

Bob at Christian Finances was surprised to find They cancelled his credit card because he has good credit and his account was in good standing.

Broke is: treating credit card bills like kryptonite – you don’t open them because you’re afraid they will destroy you.

Debt Free Destiny presents Bankruptcy Has Far Reaching Effects on Your Life posted at Debt Free Destiny.

Sam presents Things to check when looking for credit card posted at Fix My Personal Finance.

Curtis from Money $ Liberty talks about paying off debt, in Ah, the catharsis of paying off large swaths of debt.

You know what you need? You need advice that deals with your reality.  A set of solutions for the problems you have.

Matt Caldwell presents 5 Reasons to Track Your Expenses posted at 15minutestoriches.com.

Jessica Karels presents How to Eliminate Your Debt (Without Spending More) posted at Words of the Shadow’s Kin.

FMF presents Free Money Finance: What to Do When Relatives Ask for Loans posted at Free Money Finance.

MoneyNing presents Do You Switch “Frugal Mode” On When You Come Back from Vacation? posted at Personal Finance Blog by Money Ning.

J. Money presents Today’s the last day to grab those Charity tax write-offs! posted at Budgets are Sexy..

DianeDean presents Where To Make Your 1040-ES Payments;Addresses posted at Need IRS Help?.

Silicon Valley Blogger presents Best Coupon Sites For Online Shoppers posted at The Digerati Life. Lower your debt by finding the best coupon sites to use before doing any spending or shopping!

The Smarter Wallet presents Going Shopping? Avoid The Layaway Plan posted at The Smarter Wallet.

You know what else you need?  You need a plan. You need to believe you can make it way past broke and come within reach of the dreams and goals that are yours to achieve.

Trisha Wagner from Empowering Mom Blog wonders Are You Waiting for Your Ship to Come in? and wants you to stop waiting for tomorrow to make your dreams a reality… you never know if tomorrow will actually come.

Destroy Debt gives you the steps you need to Make Your Own Debt Reduction Plan.

Scott Crawford presents DebtGoal
9 Steps to Achieve New Year’s Debt Reduction Goals posted at DebtGoal.

KCLau presents Redefine Retirement: Lifestyle Design of the New Rich posted at KCLau’s Money Tips.

NCN at No Credit Needed helps motivate us all to reach that debt free lifestyle, with 20 Things That Rock About Being Debt  Free