Get out of debt faster! 

Best ways to get out of debt quickly.

• Stop spending! This sounds simple, but it is the hardest part of all. If you can stop adding to your debt, you will already be far ahead of the game.
• When you need to make a purchase, be sure to use cash. This can mean using a debit card, but be sure that you have the money. Learn to buy only when you can truly afford to.
• Move your credit card balances to lower rate cards. Do this even if you have to switch cards every 6 months to a year. The savings you will get in interest will be well worth the effort.
• If you don't qualify for a balance transfer, call your credit card companies and ask for a lower rate. You will be surprised how often they are willing to lower your rate. They know that they have competition, so they will do what they can to keep you.
• Find a method that works well for you. Some people like the "snowball" method, and others perfer to pay off the littlest balances first. Do what will give you the best sense of accomplishment so you will be motivated to stick with it.
• Cut up all your cards, except one for true emergencies. This will insure that you won't use them. The card you keep should be put in a Ziploc full of water and stored in the freezer. This will help you only use it in a real money crunch.
• Value the things that matter most. Value your money and freedom more than the stuff you can buy. Remember that you are not your debt, and that you can do this!
• Make extra income. There are two ways to increase your income to help you get out of debt faster. First, cut back on your expenses somewhere. Second, get another job of some sort. You can even make money online in your spare time.

Make Extra Money 

Make money to pay off debts faster.

Survey Savvy

Earn money by taking surveys online. They also have a very good referral program which allows you to earn money each time your referral takes a survey. This is the best survey site I have found.

My Survey

Another good survey site. This site pays you in points that can be redeemed for goods, money, or raffle tickets. They also have a referral program which earns you points when people sign up.

InBox Dollars

Get paid to click on emails. You can also earn $5.00 just for signing up! They also offer other ways to earn money, such as surveys and shopping, even games. You can also earn $5.00 per referal, so I would love it if you signed up through this link!

CafePress

Design and sell your own shirts, mugs, and more!

MyPoints

Earn points for clicking on emails, shopping, and surveys. Redeem your points for gift cards.

Gather

Earn points for posting and commenting. You can redeem your points for gift cards, or cash depending on how many you have. This is a great site!

Review Me

Another way to earn money with your blog is by writing reviews of websites for Review Me. The pay is based on your blog popularity.

What Not To Do 

• Don't move your credit card debts to a home equity loan. Don't put your home on the line for unsecured debts.
• Unless you earn an APR on your savings that is higher than your highest credit card APR, don't put money into savings yet. Put that money directly to paying off debts fast, you get a better return this way.
• Don't give up. It's easy to get discouraged, especially when you have a lot of debt to pay off, but you will get rid of your debts and it won't take forever.
• Don't be afraid to ask for good deals, lower rates, and help if you need it. You can't get what you don't ask for.
• Once your out of debt, don't let it happen again!

Money resources 

Online resources for getting out of debt, and making the most of your money.

Suze Orman

Take charge of your own personal finances by getting to know Suze Orman, an internationally acclaimed personal finance expert.

SmartMoney.com

SmartMoney has daily stock and mutual fund recommendations, hourly market updates, personal finance investing research tools and advice, and up to the minute stock and mutual fund quotes and charts.

MSN Money: CNBC

Features investment tools like stock quotes, charts, a portfolio manager and much more. Plus business and financial news and commentary from CNBC.

Missing Money Free Search for Unclaimed Property - Officially ...

Officially endorsed by NAUPA and the participating states, FREE national search for your missing money.

CNN Money: Money 101

The basics.

ING DIRECT - Save Your Money!

Get a great return on your savings when your debts are paid off.

Frugal Living 

Ways to maximize your dollars!

Deal News

All the best deals on the web and off. By far the best site for getting deals, they also have a coupon section that offers online coupons and printable coupons for in store use.

Cool Savings

Find online deals and printable coupons for grocery stores.

MyPoints

Earn points for shopping through their links, then redeem those points for gift cards. You can also earn points by reading emails, which is a great way to earn points!

Best Books 

The finance books I like the best.

The Courage to be Rich: Creating a Life of Material and Spiritual Abundance

by: Suze Orman

A must read, it addresses the emotional side of money as well as the financial side. If you just read one, read this one.

Amazon Price: $10.20 (as of 12/05/2008)

Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money--That the Poor and Middle Class Do Not!

by: Robert T. Kiyosaki, Sharon L. Lechter

A nice overview, not many specifics, but it has enough information to make a difference in how you look at work and money to be a worthwhile read.

Amazon Price: $11.53 (as of 12/05/2008)

The Only Investment Guide You'll Ever Need

by: Andrew Tobias

Once you are out of debt, it's time to put that money to work for you. This is a great guide to making wise choices, especially for when you are just getting started.

Amazon Price: $10.78 (as of 12/05/2008)

Tell me what you think!