Free Credit Report Repair Guide

I use Microsoft Money to track my finances. I bought the program 3 years ago and have resisted upgrades because it still does the job. MS Money  has a great debt tracking tool included. If you are just getting started in your journey to pay off your debt, the last thing I want to do is encourage people to go out and spend money.

There are many online tools you can use for free. I found this one on bankrate.com
Check out this past post with more tools.

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If you need a free online tool to evaluate your debt to income ratio check out this site on money central, it give you a step by step to input debts.

Debt evaluation calculator, debt evaluator, debt ratio - MSN Money

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… is to STOP using your credit cards. I have an idea you shuld cut them up just like this young lady did! I applauded her! Every journey starts with a first step and not using your credit is the first step in becoming debt free. Watch and learn.

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Don’t buy stuff you can’t afford! While it’s a spoof, it’s very acurate! Enjoy then take steps to get out of dbt now!!