Do not buy anything without shopping for best price, from domain name registration to hosting. It can be found and bargained for. One of my sites was registered for a year with hosting for only $36.00 total!

Make heavy use of templates to set up your site in beginning. They are out there for under $10.00 and advance you on learning curve quickly.

Seek out relevant articles for your site as often as you can. Lets face it, most people come onto Internet for CONTENT, not sales. You need to give it to them. Essentially when faced with mounting debt, you are faced with two choices, reduce your spending to below your means and begin paying off debt, or, increase your means. I recommend latter, it is a lot more fun and stays with you forever. Besides, who wants to be cheap anyway??

401(k)'s & IRA's Time to put these bad boys into overdrive. Start plunging huge chunks of your monthly income into either your 401(k) or your IRA. If your company provides a lucrative compensation matching plan, than hit that 401(k) hot and heavy as it has potential to provide a return of up to 25% 50% and sometimes even 100%!

Stocks & Mutual Funds If you know what your doing, or have an Einstein of a broker, you may want to take a look into this option, as stock market is a proven money maker for those who know game. For those who don't stick with mutual funds and a good broker.

Second Job This is not a pretty one, but drastic situations call for drastic measures.

--------------------- These last two are quoted directly from MSN's "Money Central" and are probably two which are most immediately lucrative choices you have.

"Plan to sell your house and buy a smaller one or get out of real estate market altogether. This is especially true if you're planning to move to a retirement community with lifetime services. If you need your home equity for living expenses, you can always take a reverse mortgage."

"Start a business on side. There are many benefits to this, especially if you're close to retirement. First, you can usually contribute up to 25% of your self-employment income to a tax deductible Keogh plan even if you're already putting money in another plan.

The second benefit is that your new knowledge and experience makes you more valuable to your current employer. Third, if you're laid off or experience job discrimination in terms of a pay raise, you have another income. Also, once you're officially retired from your primary job, you have a nice business that can continue to generate income. It gives you some great tax deductions and still allows you to sock away money for retirement, whenever you finally decide you can afford to slow down."

Your financial future is dictated by choices you make today. Don't let retirement sneak up on you as it has so many others. Make a decision to take action today. Good luck, and enjoy your retirement!

Wishing you success, Michael Bosse mike_jb2@hotmail.com

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