DEBTSMART EMAIL NEWSLETTER
ISSN 1538-6740
April 10, 2002 Issue 23

Tools for financial success!
A Free E-Mail Newsletter from DebtSmart Online and Press One Publishing.

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Publisher: Scott Bilker, mailto:publisher@debtsmart.com
Editor: Richard Crammer, mailto:editor@debtsmart.com 

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For instructions to SUBSCRIBE, and DISCLAIMER, see bottom of this email.

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IN THIS ISSUE

==> Cool Quote

==> Letter from the Publisher

==> Early Payoff

==> Budget Leftovers

==> Household Math(tm)

==> Submit a Household Math(tm) Question

==> Don't Buy a New Computer. Let's Save Money!

==> Low-Rate Card

==> Have You Freebied Today?

==> Payback Time

==> DebtSmart Resources

==> Subscribe/Disclaimer Information

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PLEASE FORWARD THIS ISSUE

If you haven't already done so, please forward this issue to one or two of your friends or business associates.

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COOL QUOTE

"Champions believe in themselves, even when others do not." --Unknown

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LETTER FROM THE PUBLISHER
by Scott Bilker

Three steps to be debt free:

1) Create a plan and become efficient with existing debts. Reduce rates, refinance, begin today and improve your credit history.

2) Track your spending. You may not be able to change how much you spend now however, you must know where it goes in order to budget later. 

3) Make more money! Think about your own business, a side business, a better paying job, or a second job.

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EARLY PAYOFF 
By Scott Bilker

I would like to pay off my 80K-15 year, 7.74% mortgage in 8-10 years? How much per month or year do I have to make to reach this goal?
 --John

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?06&7428 

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BUDGET LEFTOVERS 
By Terry Rigg

It is extremely difficult to setup a budget, especially when you are behind on some of your bills. Even if you can make your regular bills and expenses fit neatly into your budget, what can you do if you don't have the money to catch up?

I have listed several methods and circumstances below that may help manage setting up your budget and begin to pay those overdue bills. Since there are as many different budgets as there are people that try to set them up, this list may not be all inclusive. It may, however, give you some ideas that will fit your individual problem.

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?07&7428 

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HOUSEHOLD MATH(tm)

Test your knowledge by trying to solve these DebtSmart, Household Math problems! After you complete the problem you'll get the solution and explanation.

You're ready to go out and buy another used car. After finding the right car, which cost slightly more than you originally planned, including all the fees, the total amount financed is $16,000. You know that the monthly payment for a $8,000 3-year loan at 8% APR is $250.70. What is the monthly payment for $16,000, if the rate and term of the loan are the same?

Click below for problem:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?08&7428 

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SUBMIT A HOUSEHOLD MATH(tm) QUESTION 

Do you have a really good Household Math(tm) question? Whether it's a problem that you want to share, or a problem that you need the answer to, we are interested!

Click below to submit you Household Math(tm) problem:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?09&7428 

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DON'T BUY A NEW COMPUTER. LET'S SAVE MONEY! 
by Gregory Thomas

Have you been thinking about buying a new computer to replace your 1-2 year old system? If so, let's take a moment to decide if this is the *best* decision to make, or if there are some other options you have to help save a substantial amount of money.

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?10&7428 

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NEW LOW-RATE CARD

Get the new Capital One "No-Hassle" Visa Platinum Card, with a low 8.9 percent fixed APR on all purchases, balance transfers, and cash advances.

Apply Right Now, it only takes a few minutes:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?11&7428 

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HAVE YOU FREEBIED TODAY?

A2zDeals.com is a premium discount shopping and service portal, with hundreds of great online deals, coupons, discounts, and Freebies. And, Membership is FREE! Click Here!

Click below to learn more: http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?12&7428

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PAYBACK TIME
By Gary Foreman

Dear Gary, 
I just finished reading the letter from "Tina", who was upset that she was being "harassed" by a collection agency. Could you address the other angle of this? I'm 32 and I guess I have a big chip on my shoulder about people who run up debts and are then outraged that they would have to pay it back.

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?13&7428 

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DEBTSMART RESOURCES

How to advertise in the email newsletter:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?01&7428 

How to advertise in the online classifieds:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?02&7428 

DebtSmart Books, software, reports, in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?03&7428 

Archive of DebtSmart Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?04&7428 

How to use DebtSmart articles FREE in your ezine or on your web site:
http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?05&7428 

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HOW TO SUBSCRIBE OR UNSUBSCRIBE FROM THIS NEWSLETTER

All recipients of DEBTSMART EMAIL NEWSLETTER have signed up voluntarily for the newsletter via our website.

TO SUBSCRIBE to this newsletter click on the below link and complete the subscription form: http://www.debtsmart.com/cgi-pl/go/020410_en.cgi?00&7428 

Please contact mailto:comments@debtsmart.com with any comments, problems, or concerns.

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The author(s), Press One Publishing, and DebtSmart.com shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to be caused, directly or indirectly by the information contained in this email newsletter and/or at the DebtSmart.com web site. The information, methods and techniques described may not work for you and no recommendation is made to follow the same course of action. Every effort has been made verify the accuracy of all content contained herein. However, there may be mistakes; typographical, mathematical or in content. This email newsletter and the DebtSmart.com web site have been created for your entertainment only. You must always seek the proper professional advice before taking any financial or legal action. You have been warned.

We have done our best to ensure that all sponsors included in the DebtSmart Email Newsletter offer quality products and services. Please let us know about your experience with our advertisers by writing to mailto:comments@debtsmart.com

Copyright (c) 2002 Press One Publishing. All rights reserved. Please do not reprint, or host on your Web site, without explicit permission. However, if you found this newsletter helpful, we grant you permission, and strongly encourage you, to e-mail it to a business associate or a friend. Thank you.