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Save Money - Make Your Money Go Further
There are two times when saving money is important. One is when you need to get out of debt. The other is when you want to increase your savings and investments. Basically this means it's always important.

Is Your Money Falling Through the Cracks?
Does your money just seem to disappear? Well it doesn't jump out of your pockets by itself now does it? The following has been provided by Barbara Dixon. She was a recent guest of the I Hate Debt radio show. She is a success coach, has written several books and is the creator of The Mindful Millionaires Game.

  1. Make your own coffee for your commute. Use a spill-proof thermos to keep it hot.
  2. Drink water instead of purchasing sodas from vending machine. For you bottled water people, buy in bulk.
  3. Give service gifts like babysitting, housecleaning, mowing someone’s lawn, cooking, etc.
  4. Camping is fun and inexpensive; much cheaper than a resort vacation.
  5. Buy in bulk the things that you frequently use; it saves time and money.
  6. Stop subscriptions for magazines that you don’t read. If you are a couple of months behind on your reading, you will probably never get to it.
  7. Always shop from a list and don’t deviate.
  8. Use coupons and actually save the money!
  9. Make “spending less” a game; have fun with this process.
  10. Take a vacation in your own home town. You will see it with new eyes and appreciate it more.
  11. Get a free checking account.
  12. Pay your bills on time, avoid late fees.

These tip have been provided by Barbara Dixon. They and many more can be found in her book "Is Your Money Falling Through the Cracks?".

Stretch Your Money
You can make your money go further. And you can do it painlessly. And you can have fun too! The following has been provided by Kimberly A. Griffiths. She was a recent guest of the I Hate Debt radio show. She shares her personal experiences while getting out of debt so that others can benefit from her successes. Listen to Kimberly's interview here.

10 Ways to save $50 per month: The art of pinching a penny until it screams

  1. Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc.
    Savings: $5 per month
  2. Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events.
    Savings: $10 per month
  3. Bring your lunch to work once a week instead of eating out.
    Savings: $7 x 4 weeks = $28 per month
  4. Don't go to the coffee shop on the weekends.
    Savings: 2 visits @ $2 = $4 per week x 4 weeks = $16 per month
  5. If you carry a balance on your credit card, and you're only able to afford paying the minimum monthly amount, pay weekly installments instead of one monthly payment. For example, if you owe $100 per month, pay $25 per week. Because credit card companies accrue interest daily on your balance, paying only once a month is a huge detriment to your fiscal health.
    Savings: $10 - $100 per month (or more!)
  6. Instead of a family night out, consider having an old fashion picnic together or a bike ride. Curbing entertainment costs doesn't mean curbing the fun.
    Savings: $25+ per month
  7. Spend a day cooking meals that can be frozen for later use for your family. Once-A-Month Cooking, a book by Mary Beth Lagerborg and Mimi Wilson, features grocery lists and recipes to prepare and freeze a month's worth of food for you and your family. Not only are you able to purchase the food in bulk, this method prevents having to throw away any spoiled food.
    Savings: $50+ per month
  8. If you are a regular monthly book buyer, stop the habit and visit your library instead! If you insist on buying books, buy it used at your local store or online at merchants such as www.half.com or www.amazon.com. Even a better idea, how about selling the books you have that you don't need!
    Savings: $5 - 15 per month
  9. Use less expensive gasoline. If you live in North America and have Internet access, you are able to search for the cheapest gas price in your neighborhood with Gas Buddy, www.gasbuddy.com.
    Savings: $5 - 15 per month
  10. Use two-for-one coupons when dining out; search for these in local newspapers, flyers, and in your "junk mail." If you are a group of four or more people, consider buying dining certificates at Restaurant.com, www.restaurant.com. After choosing your city and state on the Website, you will be presented with a listing of restaurants vying for your dining dollar!
    Savings: $5- $50 per month

This is an excerpt from One Paycheck at a Time by Kimberly A. Griffiths, ISBN: 1591133327. ONE PAYCHECK AT A TIME, a 200 page workbook, contains budget management exercises for an entire year of paychecks. The author, Kimberly A. Griffiths, has been through the vicious cycle of debt herself, and provides a no-nonsense system to managing your money paycheck to paycheck. You customize the journal based on your pay schedule and learn the necessary tools for making ends meet.


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Debt Calculator

See how long it will take for your debt to get paid off with one of these four options. We have listed a standard debt amount as a default on the debt calculator. You will need to enter your current personal or business debt amount below to see what your debt payoff amounts will reflect.

What's Best For You: Minimum Payments?

Debt Consolidation?

Credit Counseling? Debt Settlement?
Total Unsecured Debt $30,000.00 $30,000.00 $30,000.00 $30,000.00
Months To
Get Out Of Debt
430 60 60 36
Interest Rate 18.9 % 12 % 10-12% Ave None
Total Interest Paid $49,978.53 $10,040.01 $21,300.00 None
$900.00 $667.33 $855.00 $458.33
Total Cost
To Be Debt Free
$79,978.53 $40,040.01 $51,300.00 $16,500.00
Monthly Payments   Months To Get Out Of Debt   Total Cost To Be Debt Free
Minimum Payments Debt Consolidation Credit Counseling Debt Settlement
Enter Your Debt Information Here:
Your Total
Unsecured Debt:
Your Average
Interest Rate:
Months To
Be Debt Free:


PLEASE NOTE: This calculator gives you an estimate of how much it will cost you to get out of debt, how long it will take and how much your monthly payment may be with the different options to pay off your debt. Keep in mind "Minimum Payments" assumes you NEVER make any further purchases on your credit cards and the credit card companies NEVER raise the interest rate on your cards in the future from the rate calculated above. The "Debt Consolidation Loan" example is usually only possible when taking out an "equity line of credit" or "second mortgage", which involves securing your unsecured debt with your home. This is a very risky option for most people because the home could be foreclosed if you cannot make the payments.