DEBTSMART® EMAIL NEWSLETTER
ISSN 1538-6740
June 18, 2003 Issue 54

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

==> Reviewing DebtSmart.com

==> How to Stick to Your Budget

==> Household Math™: Cell Phone Plans

==> Easy Come Easy Go

==> DebtSmart® Help Center

==> Single Stay-At-Home Mom

==> Subscribe/Disclaimer Information

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COOL QUOTE

"In times of change, the learners inherit the earth and the learned find themselves beautifully equipped to deal with a world that no longer exists."
--Eric Hoffer

Click below for quotes from all previous newsletters:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?04&7428 

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LETTER FROM THE PUBLISHER 
by Scott Bilker

Hi,

Special thanks to June, Lisa, Gerri, and Barbara for your kind words about DebtSmart.com you posted at Alexa.

Also, thanks to everyone for letting me know what you thought about Wealth Destiny™. I'll be talking more about that in future email newsletter issues.

Regards, 
Scott

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REVIEWING DEBTSMART.COM

Thank you all for your wonderful comments over the years about DebtSmart and the Email Newsletter! We're all very proud of what we do here and love reading your reviews!

There is now another place to post your comments/review about any web site. Alexa ranks all web site and provides its readers information about almost any online site.

You can review DebtSmart by clicking below:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?05&7428 

THANKS!

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HOW TO STICK TO YOUR BUDGET 
By Terry Rigg

I've had a lot of people tell me that setting up their budget was simple, but when it came to living by it payday after payday, they admitted losing interest in a very short time.

Let's face it. The day-to-day drudgery of trying to figure out how to best spend your money isn't the most interesting aspect of our lives.

Let me see if I can make the budget process a little more appealing to you. I don't have any...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?06&7428 

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HOUSEHOLD MATH™: CELL PHONE PLANS 
by Scott Bilker

Brandon is getting his first cell phone and is trying to decide which plan to take. After review all the details the cost comes down to two options: (Plan 1) $59.99 per month for up to 500 minutes and (Plan 2) $89.99 per month for up to 1000 minutes. Both plans cost an additional $0.35 per minute if he goes over the monthly limit. Brandon wants to know, the minimum number minutes he must use, to make it worthwhile to select plan 2 over plan 1?

Click below to solve problem:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?07&7428 

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EASY COME EASY GO: NEW SURVEY FROM LAWYERS.COM REVEALS AMERICANS TAKING FEW MEASURES TO REDUCE CREDIT CARD DEBT 
by Martindale-Hubbell

New York, New York - Half (48%) of all Americans have credit card debt, yet one third (30%) of debtors have taken no steps beyond monthly payments to reduce it in the past eighteen months.

That's the finding of a new survey from lawyers.com, the online consumer and small business legal resource from Martindale- Hubbell. The survey assessed Americans' attitudes about and behavior towards their credit card debt.

"Credit card debt has reached staggering levels," observed attorney Alan Kopit, lawyers.com's legal editor. "Yet this new survey demonstrates that many debtors...

Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?08&7428 

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DEBTSMART® HELP CENTER 
By Scott Bilker

Hi,

Helping you with your debt is very important to me personally! If you've been reading my articles, you know that I always encourage self-help as a first step. However, being buried in debt can be very overwhelming, which is why you may want to explore other options.

One of those options is professional, ongoing help with credit counselors. I've started to personally check out certain companies so I can recommend the ones that are worth considering!

If you would like to speak with a representative from a...

Click below to read more:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?09&7428 

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SINGLE STAY-AT-HOME MOM 
by Gary Foreman

Gary, 
Do you think it is realistically possible for a single Mom of a 15, 12, and 6-year old to stay home with her children? I do not have a profitable skill, a degree or money in the bank. All I know is that a tired, stressed-out mother is not what I want for my kids. They deserve more of me.

I currently hold a temporary job that has lasted over a year so far. It covers the monthly expenses, including car payments for a pre-owned car I just purchased this past November. Their Dad kicks in his share, but not enough for us to live on alone. Any suggestions? 
--Sue

Sue has plenty of company. Over 1 million couples get divorced each year and roughly one third of all families are headed by a single parent. According to Raise the Nation, an advocacy group, there are over 13 million single parent households raising 20 million children. They also estimate that only 1/4 receive... Click below to read article:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?10&7428 

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DEBTSMART® RESOURCES

DebtSmart® Books, software, reports, in-print and downloads:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?01&7428 

Archive of DebtSmart® Email Newsletters online:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?02&7428 

How to use DebtSmart® articles FREE in your e-zine or on your web site:
http://www.debtsmart.com/cgi-pl/go/030618_en.cgi?03&7428 

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HOW TO SUBSCRIBE TO 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/030618_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 © 2003 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.