MATERIALS NEEDED:

Dice

Six or twelve pots and pans

Small pieces of paper

A magic marker

Tape

A bean bag or small soft ball

ACTIVITY STEPS

1. Count dots on each of six sides of one of dice

2. Write numbers 1 to 6 on separate pieces of paper

3. Tape one of numbers to each one of six pots

4. Roll one of dice and match number that comes up to printed number on pot

5. Stand a few feet away from pots which you have placed on floor and see if your pre-schooler can throw beanbag in pot that has number on it that matches spots on dice

6. Continue playing game taking turns with your child to see who can match most numbers as dice are rolled

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Your next step is to determine how much you can afford to pay toward eliminating debt. Since you are already making at least minimum payment, you can start by adding minimum payments for all of your credit cards. Then check your budget (See The Complete and Bill Organizer to setup a simple budget. It's FREE. http://www.homemoneyhelp.com/BBOonline.html) to see if you can afford to add any money to your minimum payments. At bottom of payoff schedule you will find a table to help determine how much you can pay. Once you have determined how much money you have to put toward paying off this debt, list it at top of form.

Your next step is to establish your scheduled payments for each credit card. It is best to set a constant payment at or a little more than minimum payment to all of credit cards except one you are currently trying to pay off. Keep paying this constant payment month after month even though your minimum payment will go down. This alone will make your balance go down faster than paying minimum payment.

Refer to sample payoff schedule. You will see that Visa Card will be paid in 4th month, requiring only a $15 payment of pay off. These figures are only estimates because they do not include interest.

Notice that also in 4th month an additional amount is added to Mastercard. To arrive at this figure, you simply add $15 you paid toward your visa to $35 you pay on discover and deduct it from your allowed amount. Example: $15+$35=$50; $130-$50=$80

One of key points to make this system work is that you have to make a commitment not to use credit cards. Each purchase will throw you further behind.