Lastly, thank you to everyone that submitted an article. Enjoy!

M is for Money submitted a post called Can a Spender Become a Saver?

If you’re reading this post then I’m assuming you want the answer to be yes. It all depends on your mindset going into it – do you really want to climb from debt or do you still crave spending?

The Smarter Wallet submitted a post called Credit Crisis and Subprime Card Traps

Stricter credit card regulation is coming in early February, but that doesn’t mean you still can’t get hurt.  This post goes into some of the credit card options available to those with credit trouble. The deck is stacked against the debtor – I would suggest walking away from the plastic as much as you can, for as long as you can.

Get Rich Slowly submitted a post called Sweating the Big Stuff

An example of cutting larger things from your budget to improve your cash flow (and your life).  Actually a guest post from Sierra at Childwild.com, this story goes beyond the popular “just cut your morning coffee” suggestion that most PF blogs hold as the golden rule.

Financial Highway submitted a post called Basics of Credit Score and Credit Report and How often to Check.

Typically, I check my credit score once, at the beginning of each year, from one of the three reporting agencies.  It’s a good idea to track it – regardless how often though.  This post quickly goes over some of the basics.  My tip: I would never pay for “credit report alerts” or anything else they’re selling – instead, be active and be your own alert.

PT Money submitted a post called 5 Ways to Improve Your Credit Score

Now that you know what to look for in your credit score, here’s 5 ways to improve it.

Budgets Are Sexy submitted a post called Students! Manage Your Debt.

I thought this post was good since my decent in to debt began right after I graduated college.  Having a good (i.e. realistic) understanding of finance and debt management is crucial when you’re starting out – it’s easy to fall behind.

Bargaineering submitted a post called Dave Ramsey’s Total Money Makeover Review.

I’m using the debt snowball technique to attack my debt and I’ve written a post or two on Dave Ramsey, so I found this review of his book and the comment thread to be interesting.