Debt-free living

Do you whip your credit card out at the drop of a hat to pay for anything and everything under the sun whether you need it or not?

For a few months of the year electric bills are as extreme as the temperatures outside. The rest of the year an electric bill is simply painful to open.

With the economy in current disarray and an ever-growing crisis in the housing and fuel markets, people are constantly looking for more effective ways to save money.

Debt, and in particular credit card debt, is not a good thing. The interest that you are paying on credit card debt wastes hundreds, even thousands of dollars of your hard-earned money.

Ok, so you're admitting you're in over your head. Believe it or not, this is good! Not that you have all this debt, but because you've taken your head out of the sand and acknowledged that your finances are out of control.

If you ever really think about it, there are some pretty convincing reasons we should avoid using credit cards.

If you are determine to find a way to become debt free once and for all, but you don't know where to start.