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Everyone in debt has at one time or another vowed to change their ways and start down the road to getting out from under.

But where to start?

It can be difficult, at times like this, to see the forest for all the trees standing in the way. The obvious can escape us.

But the first step is that obvious, if not that simple: Stop spending!

Now that you're on your way, continue reading to find more and better ways to keep more of what you earn, spend less, and get yourself financially sound.

2004 Debt Guide
30 yr fixed mtg 3.79%
15 yr fixed mtg 2.94%
5/1 jumbo ARM 3.30%
See Also
Calculate your payment on any loan
How much house can you afford?
Can you borrow from your home equity?

First response

Are you self-destructive with spending? -- Are you unwittingly putting yourself in financial jeopardy by committing self-destructive acts?

5 ways to stretch your paycheck -- Hang on to more of your salary with these tips.

331 ways to slash family expenses -- Discover new ways to cut costs on everything from insurance to energy to travel to financing.

Curing a spendaholic -- Like any addiction, a spending habit requires a slow, step-by-step approach to break, says Steve Bucci, the Debt Adviser.


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