Get-out-of-debt resolutions for '13

These 8 easy-to-achieve goals can help ensure that you’ll be on stronger financial footing come next holiday season.

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Dec 24, 2012 4:56PM

Please forward these to the White House:

1. Reduce your credit card debt

2. Track your spending

3. Create a budget

4. Check your credit report

5. Avoid new debt




Dec 25, 2012 1:03PM

The new American Dream:

Become a Congressman.

Become a Senator.

Work for the Givernment.

Get on Disability.

Get on Welfare.

Win the Lottery.

Dec 28, 2012 4:30AM
It is this simple. "Stop spending more than you make, save for your retirement, and pay off those you owe". The End!
Dec 25, 2012 1:30AM
Aren't these the same tips over and over again?  
Dec 25, 2012 7:08PM
Brilliant!  Never would of though of any of these on my own.  The best one would probably be:  If you're in the hole with debt, stop digging!
Jan 1, 2013 10:45AM
Need a job first--there are a lot of workers let go between the ages of 52-62 and can't find work-
people that rises families and were never never unemployed --people that took car of aging parents without gov't assistance and now they find themselves without income, debt they want to pay off and can't and in many cases without hope.
Too many people, jobs overseas, and no jobs for them because the 20+ with the degree takes the prize--
Jan 2, 2013 2:06PM

why would you print this article?  Most everyone in America supports  a government that disregards debt and money accountability?  You think they run their own lives differently?


Here's an idea America..........quit being stupid! 





Jan 2, 2013 3:16PM

Thinks you can do to save money and use it to pay off your Debt.

1. Cancel your cable Bill, and signup for Netflix or similar, monthly savings 50%+

a. Get rid off DVR or expansive rented equipment, some of the times you may not actually need it.

2. Cancel Home phone (landline), There is no need to have it since everyone has cellphone those days and if you dont just get a prepaid cell phone and have it in the house its will cost you alot less. Land Line phone companies tell you that you needed or a law requiers it but there is no law that sais you need to have a home Land Line.

3. Cell phone bills. Switching to Pre-Paid those days may save you money as they offer Unlimited everything and price usually starts at $45, all depending on what phone you want.

4. Costly Car repair. Talk to your local repair shop, See if you can get the parts your self, and have them replace it. Most of the time you can get parts online cheaper and better and save allot by having your mechanic just replacing the part instead of placing a markup on it as well.

5. Balance transfer to lower interest on the cards, This can save you Thousands over long run.

6. Shop for better internet provider, Major ISP will give you promotional offers if you switch to them, so if every year you switch let say between Verizon and Comcast, your bill would be shrink almost in half.

More options can be on my website, follow the links


Dec 25, 2012 11:25AM
LORD HELP US ALL......!!!!!!!!!!!!
Jan 2, 2013 3:47PM

Obviously the author of this article, Micheal Cheney, did not do his full research when quoting Dave Ramsey.  He has misquoted Dave Ramsey.  Dave Ramsey says the first thing you do is establish your baby emergency fund of $1,000.00 for foreseeable emergencies like your car breaking down, having to replace appliances, or unexpected medical bills so you do NOT add to your credit card debt.  Once you have paid off your debt Dave Ramsey recommends doing a fully funded emergency fund with 3 to 6 months of living expenses. 


If anybody is serious about getting out of debt I would highly recommend Dave Ramsey's Financial Peace University. 

Dec 24, 2012 9:54PM
I guess you needed something to fill a space up.
Jan 1, 2013 1:48PM
People keep saying to those that are layed off or lost their jobs....ohhh go get a job...where are the jobs exactly...all of McDonalds is taken...
Jan 2, 2013 3:09PM
and if everyone in america just sends me $1, my problems are solved!
Why not give each member of Congress, AND,  lets not forget our President---  a copy of this? As Attorneys and Millionaires (for the most part), they all could use a refresher course. All 535 of the thieves.  
Jan 2, 2013 3:01PM

i resolve to make more money than i spend in 2013.


there,  done.

Jan 2, 2013 2:24PM
How about something new - I think this was the same list for 2010 - 2011 -2012
Jan 2, 2013 2:47PM
I have worked hard all my life and I make a good living I wanted to expand my business by two stores this year. Uncertainty is a killer for small business there are 60 people that wont be employed this next year and 30 that are very nervous. Obama is the most dangerous president in history. I'm just saying the way it is.
Jan 2, 2013 2:18PM

I don't think we had these problems generations ago.


What gives?

Jan 2, 2013 3:04PM
I believe that Ramsay says start with a $1000 emergency fund.  He also goes on to state that you save up 6 months of living expenses.
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