Welcome to the 2nd Carnival of Everything Credit. WOW, did we have a great turn out this week or what? We received close to 50 submissions for this weeks carnival. Thanks to everyone that took the time to submit an article. If you have a personal finance site you can submit your article to be included in the next carnival. Lets get started:

General

Debt Free Destiny presents 5 Money Changes to Keep More of Your Money posted at Debt Free Destiny.

Debt Freedom Fighter presents Simple Steps For Funding Financial Emergencies posted at Discover Debt Freedom!.

Savings Toolbox presents Save Up For College With FreshmanFund’s 529 College Savings Plan Gift Registry posted at Savings Toolbox.

Destroy Debt presents 3 Basic Principles for Good Personal Finance Habits posted at Destroy Debt.

Credit Card Assist presents What College Kids Might Not Know About Credit Cards posted at Credit Card Assist.

apply4-credit presents Your Divorce and Your Credit Are Your Prepared? posted at Credit Card Applications Expert | Apply4-Credit.com.

Deposit Accounts presents Will Opening a Deposit Account Affect My Credit Score posted at The Money Blog.

Fiona King presents 10 Obscure Currencies Affected by the Credit Crunch posted at Currency Trading.net.

Travis presents You Need A Budget posted at Christian Money Mountain.

Debt Free Destiny presents New Year’s Resolution: Get Out of Debt For Good posted at Debt Free Destiny.

Matthew Paulson presents Should You Consider Social Lending? posted at American Consumer News.

American Entrepreneurship presents How to Avoid Late Fees on Credit Cards posted at American Entrepreneurship.

Budgeting

The Investor presents Three new ways to control your spending posted at Monevator.com, saying, “Is Christmas hitting your wallet? Here are three different methods to help you stop spending money on stuff you don’t really need.”

One Family presents Frugal Living – Ten Great Gift Ideas for Frugal Families (Christmas Holiday Shopping Tips) posted at One Family’s Blog.

Scott Crawford presents DebtGoal » Blog Archive » Setting Financial Goals As A Couple posted at DebtGoal, saying, “Many couples find that setting goals as a couple can be challenging and frustrating. We outline a process that couples can use when setting goals and how they can move past differences to find common ground.”

Chris presents Get through recession with household survival tips posted at Home I Own, saying, “Get through recession by eating better for less”

Credit

Scott Crawford presents Your Issuer Can Impact Your Credit Score by Closing Your Unused Cards posted at DebtGoal, saying, “Card issuers have been closing dormant cards in an attempt to lower default risk. How this can impact your credit score and what you can do about it.”

Jacob presents Access to credit: Why the young generation should avoid it posted at Early Retirement Extreme.

Mr Credit Card presents Guest Post: Becoming Mileage Agnostic and Why It?s Liberating, by Brett Snyder of The Cranky Flier posted at Ask Mr Credit Card.

Sam presents 8 Steps to Protect Yourself from Identity Theft posted at Surfer Sam and Friends, saying, “In the electronic age, your identity is represented by the set of numbers and codes that describe you. Name, date of birth, Social Security number, credit card numbers and mother’s maiden name are all that’s necessary to impersonate you and make transactions in your name. A new breed of criminals who don’t carry weapons are exploiting the system for their own benefit. Their crime is called identity theft.”

Credit Cards

Jesse Wojdylo presents They Should Have Let Citi Fail! posted at Subprime Blogger.

Raymond presents Reviews Of The Best Discover Credit Cards and Offers posted at Money Blue Book.

Silicon Valley Blogger presents Best Cash Back Credit Cards: Your Rewards For Spending posted at The Digerati Life, saying, “Thanks!”

FIRE Getters presents Best Gas Credit Cards posted at FIRE Finance.

David presents 5 Gotchas Credit Card Companies Don?t Want You to Know About posted at Credit Card Offers IQ, saying, “Here are 5 credit card gotchas the card companies don’t want you to know.”

Buildify presents Credit Card Health 101 posted at Credit and Personal Finance Blog | Credit Karma.

Nora Dunn presents Top Seven Reasons why I use my Credit Card for Everything | Wise Bread posted at Wisebread.

Raymond presents Reviews Of The Best Capital One Credit Cards and Offers posted at Money Blue Book.

Raj Patel presents Credit Card Reform: Be Careful What You Wish For posted at DebtGoal.

Debt

Scott Crawford presents DebtGoal.com Launches Revised Payment Module posted at DebtGoal, saying, “DebtGoal.com has launched an new version of its industry-leading debt snowball application allowing users to create and track to a plan to pay off debt.”

Livingalmostlarge presents Credit Default Swap posted at LivingAlmostLarge.

Michael Bass presents Will debt follow you abroad? posted at Debt Prison, saying, “Can you be arrested in the country you’re moving to for the debt you leave behind in the U.S.? Can you be deported back to the U.S. for debt? Are there secrets for making a clean getaway? Apparently these are complex questions and there is little information on the web that provides a complete explanation for leaving debt behind.”

Heather Levin presents The Benefits of Paying Off Your Mortgage Early posted at The Greenest Dollar.

Michael Geoffrey presents Pay Off Debt Or Invest Your Money? posted at Debt Smackdown, saying, “If you suddenly find yourself with some extra money, does it make more sense to invest it for the future or to pay off debt with it today?”

Finance

Donald Latumahina presents Diversify Your Income to Prevent Financial Problems posted at Life Optimizer.

Investing Angel presents I?m Betting On Oil posted at Stock Tips, saying, “What to do in a time of recession.”

Keira presents How to Become Prosperous the Easy Way | Rich Credit Debt Loan posted at Rich Leverage.

Sandy Naidu presents Bernard Madoff’s Ponzi Scheme posted at FutureNestEgg.

KCLau presents Christmas On A Budget posted at KCLau’s Money Tips, saying, “This post is contributed by Jacquelyn Sarah Wong, the co-author of The Secrets to Writing an Ebook in Three Easy Steps. It is about how to be frugal this christmas season with the economy down.”

Brian McKay presents Mortgage Rates Finally Fall posted at MonitorBankRates.com, saying, “The Federal Reserve Bank has been consistently lower rates to jump start the economy but mortgage rates have barely gone down because of the housing crises, that is until last week”

That concludes this edition of the Carnival of Everything Credit. Our next carnival will be in two weeks after the start of the new year. Happy holidays everyone.

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