Debt Freedom in 10 Simple Steps

Debt-to-Income.com announces free access to Richard Gorham’s new book, 10 Steps to Conquer Debt.

Poor spending habits and bad financial decisions, along with job loss and a crippling economic recession, have created the perfect storm, causing millions of consumers to find themselves deep in debt.

In tough financial times, consumers have two basic choices, to give up and declare defeat (aka: bankruptcy), or take ownership of the situation and fight for a brighter financial future.

The 10 Steps to Conquer Debt free downloadable program is available here.

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Tags: bankruptcy, choices, consumers, debt freedom, economic recession, financial decisions, financial future, financial times, free access, free downloadable program, gorham, job, perfect storm, simple steps, spending habits

Time Share Solutions for Time Share Owners

Timeshare owners get angry and disappointments rule the day for tens of thousands of timeshare owners. Timeshare is a booming industry with an estimated $12 billion dollars in sales in 2008 and over seven million families using timeshare for annual vacations.

Timeshare Surgery is a place where it all comes together giving owners real advice, piece of mind and ethical business practice. Whether it is a first time buyer, the experienced owner, someone looking to purchase or one of the hundreds of thousands looking to sell an unwanted timeshare, Timeshare Surgery provides the answers and the advice that is sorely needed.

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Tags: billion dollars, business practice, disappointments, ethical business, first time buyer, hundreds of thousands, piece of mind, share owners, share solutions, source time, tens of thousands, time share, timeshare owners, vacations

Zenjo Press Launches with Book of Financial Self-Defense

Zenjo Press is proud to offer as its first title Common Cent$: Getting Off the Financial Roller Coaster, by Gerard J. Andrews. In a time when everyone’s financial well-being is threatened, if not already compromised, Zenjo Press recognizes that people need help dealing with financial problems in terms that are easy to understand.

Financial advisor Jerry Andrews has put together just such a book, a self-help manual in plain English that’s different enough to really guide its readers through tough times.

Finances don’t have to be a ride through the Tunnel of Terror. Let Jerry Andrews help you step off that financial roller coaster.

The Common Cents: Getting Off the Financial Roller Coaster is available in paperback from zenjopress.com and amazon.com. Also available in an environmentally friendly version on Kindle.

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Tags: amazon, financial roller coaster, j andrews, launches, plain english, self defense, tough times, tunnel of terror

Credit Card Chaser Launches Cash Back Calculator

In response to consumer demand for an easy way to perform cash back savings comparisons for multiple credit cards on the fly the consumer credit card comparison website CreditCardChaser.com recently launched a cash back credit card calculator with detailed 25 year savings statistics.

The cash back credit card calculator combines a mix of AJAX and other cutting edge web technology to allow consumers to select their average monthly spending amounts in various categories and then the tool will calculate the amount of cash back they could earn from the top cash back credit cards instantly and in real time.

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Tags: ajax, cash back credit cards, chaser, comparison website, consumer credit card, consumers, credit card calculator, credit card comparison, cutting edge, edge web technology, fly, real time, statistics, time press

Saving money on your new years party!

With Christmas just gone people everywhere are feeling light in the money area. Sadly for many though that will only keep coming especially since the biggest party night of the year is around the corner. So if it is your turn to host the annual New Years Eve party then these money saving tips should be just the thing you need before the big night!

For a start, keep it simple. No matter how many people you have invited the best party you will have will be in your own home, less expense and a better atmosphere so think small for the venue. There is no need to waste money sending out invitations, the word of mouth travels faster not to mention texts and emails which you can send to groups of people at once.

A new years eve party tends to happen in the evening so why not stick to appetizers and finger food to help people get into the party mood, it does not make you to full, break the bank or slow the evening down so its the perfect food plan. Crisps, Dips, Sandwiches and healthy snacks will be loved by your guests!

Make sure you keep your decorations up to make the party remain festive, there is no need to add anything extra. For the entertainment, why not look into karaoke machines and the classic board games or cards. Everybody loves them and you can really have a lot of fun without overspending. Enjoy your money saving new years eve!

Tags: biggest party, classic board games, finger food, food plan, healthy snacks, karaoke machines, money saving tips, new years eve, new years party, sandwhiches, saving money

Coupon Christmas Shopping

With Christmas just 4 days away it should be time to do the annual Christmas shop for the big day itself and some days after that, depending on your family and the people visiting chances are its going to be a large occasion with many people to cater for, so if you want to save some money on this years shopping then start with coupons.

For a start, you need to begin collecting some, your best chances are the weekend or weekly papers and of course the free magazines that generally come with the papers. You could also try online, there are a lot of websites that offer many free coupons which you can just print out and use right away. If the worst happens and you fail to find many, why not ask around, there is no shame in seeing if people have any that they are not using, it is Christmas after all.

Next you have to plan where you are shopping and what for, if you are just going for food then it makes it easier. You just need to collect all your coupons, plan ahead and make sure you are reading all the small print so you know what you are entitled to. Plus while you are there make sure you check for some in store specials along the way so you do not waste a coupon on something that is already on special! The trick is to stay organized and plan ahead, then you are on your way to a money saving Christmas!

Christmas!

Tags: christmas, christmas shop, christmas shopping, free coupons, free magazines

Basic tips for saving extra money

With Christmas just around the corner its the perfect time to hope for some extra change to fall in front of us. Now if you are willing to cut back on a few things then the extra money you require could be right before your eyes, all it takes is some common sense. For a start how about shopping around before you rush to buy something? Many people tend to just buy the first thing they see, this is a bad mistake as more often than not there is a bargain right around the corner.

We all enjoy the odd night out, but how about some nights in this season. You will be saving money on transportation, drink and food, so switch one night out for one in and the difference in savings will certainly soon show. Plus this can also be applied to someone who has an expensive hobby, there a lot of fun free activities you could easily change to.

One of the most expensive things tends to be household bills, but does it really need to be that large and problematic? For example if you run water to long, or leave the television on what you are out of the room, not to mention leaving lights on in different rooms all the time, this will all add up to some very expensive bills so be aware and cautious. All these tips and more should add up to some extra savings and money for the Christmas season, enjoy the difference!

Tags: christmas, christmas season, common sense, extra money, household bills, perfect time, saving money, shopping, television

Save money at the supermarket

The current economic situation is not helping anyone so people are looking into more ways to save money in their regular day to day lives. Grocery and Supermarket shopping has to be done at least once a week so its a simple yet effective plan to think about ways of saving money there, check out the following clever ways to save!

Firstly before you even head of to do your weekly shop you should think about saving coupons which you will find in newspapers or magazines, try to find coupons with special offers for the foods and items you tend to purchase a lot. It all adds up so get started on the coupon search before you go shopping.

Next you need to write out a list, be sure to only buy what is on the list, a lot of people get caught up looking at everything on the aisles and wanting to buy a lot of extra stuff which you really do not need. Do not make this mistake just buy what you need from the list, be strict with yourself.

Have you ever thought of comparing prices? Many grocery stores are in competition and tend to drop prices from their competition so maybe instead of always going to your local you travel further and check out the fellow stores, you might be in for a bargain.

Finally be sure to check out the specials, there could be a lot of two for one, or buy one get one deals which helps you save longterm, so be wise plan ahead and save on your weekly shop!

Tags: bargain, current economic situation, grocery stores, magazines, newspapers, saving coupons, shopping, special offers, supermarket, ways of saving money, wise plan

Saving money on long distance calls

Over the last few years technology has increased greatly giving people more options to keep organized, find work and even keep in contact with friends or family who are away. If you are spending a lot of money on long distance calls then your local phone company and indeed technology could both help you to save money on your long distance calls.

Firstly, if you are a computer user and you have internet then you must have heard of skype. It allows you to make cheaper long distance calls to anywhere in the world, also if that person you are calling has skype then you can both talk for free. Now this is a simple option and one of the best so if you have a working internet and computer then look up skype and start saving your money.

Now, sadly not everybody has the access to the internet always so if you have to make your long distance calls from a phone then firstly you need to do this. First check out your recent phone bills and see your patterns, how much exactly are you spending on long distance? How many minutes? etc. Then you need to call the customer service line and ask about what days and times are off peak, meaning the call will be cheaper.

If you are not happy with what your current company are offering you then check out the other companies in your area and ask about deals for long distance calling. The important thing is that you can make your calls without financial stress so be sure you are with the right phone company.

Tags: computer user, current company, customer service line, financial stress, local phone company, long distance, phone bills, saving money, skype

Paying bills online

There is something stressful about bill paying, firstly you have to sort out all your cash, collect what you need, write down all your bills and then make the journey to your nearest bank where you will more often than not be stuck in a long queue. There is a simpler way to pay bills, that is online.

More people are turning to online in order to shorten the time wasted on shopping and paying bills so if you are looking for a way to shorten your bill paying time then its time to go online. Firstly, all you need to do is go to your banks website, every bank should have an official website so go there, have all your personal bank details ready. You either need to register all your details or simply just log in. If you need an email then create a personal one for use with the website only.

The website should then take you through the process step by step, you can then schedule the bills you wish to pay now or the ones you want to go back to later. It is usually free to do all this but in this case where there might be a charge it is usually very low. The bank will receive the payment as soon as you have finished and you can check on your status in your account page so you can make sure the payment has gone through. Be sure to save all the personal information in the rare case of errors.

Tags: bank details, email, journey, paying time, personal bank