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Welcome to the Carnival of Debt Reduction for December 4, 2006. Thanks for stopping by. I’m very pleased to be hosting the Carnival for the first time here at Necessary Virtues Personal Finance.
In reading this week’s submissions I found many to like, and two that really stood out. They are hereby awarded the Necessary Virtues […]

1. A budget is a roadmap. It is a useful tool and guide. It tells you whether you are headed in the direction you want to be headed in financially. It helps you to move from spending on a whim to saving and financial planning. If you don’t have a roadmap for reaching your goals […]

By Charles Haanel
Excerpted from The Master Key System, by Charles Haanel.
Some men seem to attract success, power, wealth, attainment, with very little conscious effort; others conquer with great difficulty; still others fail altogether to reach their ambitions, desires and ideals. Why is this so? Why should some men realize their ambitions easily, others with difficulty, […]

We have a new partner helping to support the site: Mvelopes Personal. They offer complete online personal budget management tools. Did you know that most people spend 10% more than they earn? And it’s primarily because they don’t have a convenient way to keep track. Mvelopes Personal gives you all that you need to take […]

by Steve Diamond
Do you have a manageable debt problem? Maybe a life event, like temporary job loss or sickness, may have put you a bit behind on your payments. Or maybe you just let your small debts add up to the point that you feel they may be getting out of control.

If this sounds familiar, […]

by Gary Vurnum
She sat there dumbstruck.
Here we go again, I thought.
Suddenly a high pitched cackle came from her mouth as the ride went sharply up…then back down again.
She was only four - and she loving every single minute of it. Where else could you pay only a dollar to get a reaction like that, I […]

by Steve Diamond
We’re stressing two parallel streams of content on this site.

Nuts and bolts details about debt reduction, credit cards, budgets, and so on.
Equally specific information about the mental and spiritual habits and exercises that open your life to abundance and prosperity.

I know that many folks tend to concentrate on the first without paying much […]

by Julie Plenty
When you hear the words “abundance” and “prosperity”, what immediately comes to mind?Is it money, fulfilling relationships, a lovely house to live in, peace of mind, a career/vocation that expresses your gifts?
It may be all or none of those things. It may mean something else to you. But if you want to […]

by Vicky White
Your prosperity is directly related to the flow of energy in your environment. Clutter creates stagnant energy flow and prevents abundance from flowing to you.
Clutter is anything unfinished, unused, unresolved, tolerated or disorganized. Clutter is emotional constipation!
Letting go of something that no longer makes your heart sing, can mean letting go of […]