A Penny Saved is a Penny Earned

A Penny Saved is a Penny Earned -
Benjamin Franklin

Reducing Debt

I believe you can accomplish anything in life as long as you have a plan. It may be a six month plan, a year or even ten, but as long as you're working toward a goal you can accomplish it.

Getting out of debt takes time. In nine years I had paid off all my debts, including mortgage. The tool I used the most was an Excel spreadsheet to keep track of my spending and goals.

Getting Out of Debt
Paying Off a Mortgage
Reducing Debt
Beware of Debt Resolution Companies

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