by Scott Bilker

Hi,

I hope you had a very Merry Christmas yesterday! I'm out in Minnesota right now enjoying a week with family. Oh how I love the holidays, but not the holiday bills.

It won't be long now before the bills are rolling in--mounting on your desk--popping up in your email. So what's the plan? The best plan is going to be to pay them off in full. (Okay, stop laughing at me.)

Yes, in full. Even if you don't have the cash, you need a plan to pay off those cards with the highest rates. And that plan is to use low-rate cards to transfer balances. Call any credit cards you have with a zero balance, and ask them for a low rate for transferring your holiday debt to that card. If you cannot find low rates with your current cards, then go to my

Credit options are your weapon against the banks! The key to success is using your credit lines to save money--not to go crazy spending! (I know you won't go crazy spending because you're DebtSmart, but I had to mention that anyway.)

I've found a few more good credit deals that I want to bring to your attention. If you have high-rate debt, then you should apply online now and transfer your balances to some of these cards. (Or search through the entire list.)

by Scott Bilker

It sure does--especially when you're paying back debt.

How many times have you walked out into the parking lot of a supermarket and spotted a penny on the ground? Plenty of times no doubt. You might bend over to pick one up if you see Lincoln staring at you, but for the most part you just keep walking by.

I mean, after all, with the cost of inflation over the years, what is a penny worth? It really isn't worth that much as far as buying something tangible like a television, is it? What's a penny going to add toward that purchase (besides one cent)?

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by Nancy Twigg

Does it ever seem that no matter how hard you try to save for the future, all your kids want to do is spend, spend, spend?

Shopping at the malls, dinners at McDonald's, birthday parties at the arcade. None of these expenditures seem very large, but put them all together and the dollars add up fast. Before you know it, the month is gone, and so is the money you intended to save.

Does this sound familiar? If living and spending more frugally is on your list of things you'd like to accomplish, the time to enlist the support of your kids is now.

"A ray of sunshine: your books arrived! They are exactly what I hoped they'd be, and they tempt me to ignore all else, as I devour them. I'm starting with Talk Your Way Out of Credit Card Debt, and, although I ordered it to learn how to help my sister and brother-in-law, I'm finding information that I can use to help myself, too. You were right to 'guarantee' that your 'books will help.' To paraphrase you, I've gotten mad, I'm getting smart--thanks to you--and I'll soon pick up that phone! My only regret is that I didn't think to ask you to autograph the books before you shipped them. Perhaps I'll have the opportunity to meet you someday, and I'll remedy that omission. Now, back to your phone calls..."

Enthusiastically,
Anne

by Scott Bilker

How much is a penny really worth? When it comes to repaying debt, it is certainly true that every penny counts! Say you have a $100,000 mortgage at 7% for 30 years. The monthly payment is $665.30. How much money would you save by adding just one cent to your monthly payment?

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Banks and other institutions who take your money, ruin your credit or deny you the money you need are very powerful. They make a business out of hurting people like you to make more money for themselves. And, the more they hurt you financially, the more powerful they become. But they won't be able to hurt you anymore! With the Credit Secrets Bible, I'll show you how to stop them dead in their tracks!