"What is the impact of making extra payments on my debt?" calculator in the debt section of this website. It is amazing what just an extra $25-50 a payment can do to reducing your debt. I think people sometimes feel too overwhelmed but this calculator really helped. Just taking baby steps consistently really makes a difference. Hopefully, I can tackle my Christmas spending balance :)

Who is going to do alot of shopping online for Christmas? Me! I have found some ways to save money while saving my sanity. :) I like to start by going to www.ebates.com and clicking through to the stores I am going to be buying from. I typically get 4-8% cash back. Just the other day I received a $50 check back from ebates just for clicking through them to get to my store's site. They have a ton of different stores: gap, Ralph Lauren, Sephora, etc. I also like to check on www.retailmenot.com for any codes that I can use when I check out.