Welcome to the Aridni edition of Carnival of Debt Reduction #39. This week we’ve got a bunch of articles for you to read through. You don’t have to do them all today, you’ve got a whole week to go over them! You could read through two a day if you wanted.

Look forward to the Carnival being hosted next week at Finandom

Kevin Surbaugh at Becoming & Staying Debt Free presents Revisiting Consolidation Loan Scams
As anyone who listens to Dave Ramsey or John Cummuta knows, the reason you don’t get a consolidation loan is 2 fold. One you may get lower intrest rates, but people tend to roll all their debts into it, including those with even lower interest rates. Two, consolidation loans usually take unsecured debt and secure it with your house. It is just plain stupid to gamble your house that way.

Wenchypoo at Frugal Wisdom from Wenchypoo’s Warehouse presents Here’s to Luxury Creep
Punk rockers teach us a lesson–albeit way too late!

FMF at Free Money Finance presents Another Evil House Loan: 50-Year Mortgages
Another loan to add to the “bad” list.

Dan Melson at Searchlight Crusade presents Practical Applications: Credit Cards versus Home Equity Line Of Credit

King of Debt presents Day 44: Pinch and Pay posted at We’re In Debt.

supermom_in_ny presents The Online Income Experiment Figures posted at Getting Out of Debt.

Amy Allen Clark at The MotherLoad presents College Coupons
Getting into debt over gifts isn’t something that I am about. I decided to create a free printable download that readers could use as a gift to graduates that wouldn’t break the bank!

Tricia presents Where My Debt Came From posted at Blogging Away Debt.

Chuck Russell presents Car Buying Tip-Check Into Leasing An Auto posted at buyanauto.

mbhunter presents Pay it down, or ING it? posted at mbhunter.

J.D. @ Get Rich Slowly wrote an article No temptation, no debt!
It basically describes how to make credit card offers stop coming in the mail.

Harrison Loke at Journey To Financial Freedom presents Some Information About Auto Loans

Financial Reflections at Financial Reflections presents 30 Day Trial: Zero Charges To Credit Cards I’m paying down my cards, but I noticed that I still have a few charges going on them. I’m putting that to a stop to see if I can live without a credit card at all.

Paul at Paul’s Tips presents My eight best negotiation tips Negotiation is a part of life we all have to deal with. Being able to do so successfully can make a big difference to our outcomes. Here are eight tips that have helped me.

Steve Faber presents Don’t Get Taken When You Buy a New Car posted at DebtBlog.

Chuck Russell presents Tips To Improve Your Credit Score posted at Car Buying Tips To Save You Money.