It’s New Year’s Eve and a time for resolutions  It’s a time for fresh starts, for new commitments, for laser-sharp focus on all of our ills.

It’s no better time than the present to make a plan right now, but since this particular right now coincides with the new year, it’s an especially good right now.

What is the one specific action that you could start right now that would help you reduce your debt? It doesn’t really have to be big; in fact, the simpler, the better.  Maybe you’ll pack your lunch one more time a week, and add $10 per month to your credit card payment.  Something manageable, something easy, and something that you can stick with.

It doesn’t have to be the last thing you do toward your debt reduction.  Hopefully it won’t be.  But a plan to do something very easy will lead to plans to do other things that will build upon one another.

• Welcome to a windy and rainy Carnival of Debt Reduction We're in hurricane season, and early last week there were five named Atlantic storms on the map:  Gustav, Hanna, Ike, Josephine, and Karina.  Hanna is flying up the east coast of the United States as I'm putting this Carnival together. Thankfully Hanna wasn't much where I was on Saturday but......
• Welcome to the Carnival of Debt Reduction Welcome to this week's Carnival of Debt Reduction!  The personal ones are up on top since I've always felt that personal stories on debt reduction are what make the carnival unique.  Enjoy! Debt Reduction Stories No Credit Needed's parents are debt free! Ask Mr. Credit Card interviews Man vs. Debt......

• Tips For Paying Off A Mortgage Early One of the biggest financial responsibility a person can have is a mortgage. While it is a loan that has the lowest interest rates in terms of other financing, it is also one of the longest you’ll be required to make payments on each month. An early mortgage payoff, if......
• Money Management Questions and Answers How can money management techniques be applied to my life? - The first step is to realize that you could possibly have an overspending problem. This is the number one reason why people get over their head financially. You can easily consult with a money management counselor that will help......