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In this issue: Making getting out of debt your New Year's resolution; plus - the Debt Diva's new blog; tools for 2008 planning; and more...
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Make Getting Out of Debt Your New Year's Resolution

There seems to be a running joke that New Year's resolutions never last. But if you take the right approach to a resolution such as "getting out of debt", there's no reason you can't be successful. The best way to get started is to: get organized, assess your current situation, develop a strategy that works for you, and make sure your goals are realistic.
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Quiz: Diagnose Your Debt IQ
True or False: The only way to view your credit report is to purchase a copy from one of the three major credit reporting agencies (Equifax, Trans Union, or Experian.)
Quick Tip - Small Changes Can Yield Big Savings
To make the most of your monthly budget, you should track your expenses over a 30-day period to see exactly where your money is going. You should be able to identify where you can save money by making minor changes. For example, a cup of coffee purchased each weekday morning could cost you $400.00 over the course of a year. The point of this Pointer: Cutting back on little expenditures can add up to big savings when you look at them over time.
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Debt Diva's Blog
Debt Diva Read how our Debt Diva plans to hit the ground running in 2008 with New Year's resolutions to save and get out of debt.
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Share the Wealth Share the Wealth
It's the New Year, and everyone's thinking about resolutions. What New Year's resolution do you plan to make (and keep!) to help you get out of debt?

Answer this question and you will have a shot at a $250 gift card.

See how last Month's winner, Stacey H., from Laurel, DE keeps their winter utility bills manageable.
View Winner's Circle
Calculator Have you tried our Budget Calculator?
To stay on track financially, it is essential to establish a budget - and then resolve to stick to it! If you haven't already made a budget, or if your current one could use some up-dating, check out one of our calculators to help you get started.
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Ask an ExpertAsk the Expert

I wanted to know how I would know if my creditors have accepted the proposal from CareOne? When will CareOne send out the letters, before or after my 1st payment withdrawal from my account? Will CareOne send me some kind of information letting me know which creditor has accepted or denied the proposal?
- tsmelson123
See the Expert's Answer
Stay on Track with CareOne Online Resources
Ongoing Support Ongoing Support is the place where you'll find valuable tools, tips, expert advice and much more on debt and money management issues. Bookmark this page!   Debt Management 101 Debt Guide 101 is full of free and useful information about debt management.
Debt Management Discussions Debt Management discussions is where you'll meet others like you sharing their insights and experiences.   Tip Jar Tip Jar offers you the best tried and tested tips to help you save every day.
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