The injury had her worried. How could they do it on one income?

Somehow, THEY MADE IT. All bills were paid on time. They didn't take any drastic measures like canceling cable or pulling apart 2-ply toilet tissue to get 2 rolls out of every one.

This gal was amazed and tremendously EXCITED because her husband was going back to work soon and she was going to be able to put a large chunk of one entire income toward eliminating all their debt using my program. (Do you have it yet?) Two thousand dollars a month put under your mattress or towards paying off a debt is $24,000 per year or $120,000 after 5 years.

This family was forced to break Parkinson's law and you see how it dramatically improved their lives. The silver lining in cloud.

Don't be forced to break law...do it voluntarily starting today. If you are a two-income household pretend that one of incomes is now gone. If you are a one-income household advertise for a wealthy widow or widower and then pretend that your income was slashed in half.

Keep track of every penny you spend...write it down...put it in your Quicken, Microsoft Money or any spreadsheet program...just get it on paper so you can see it.

Be brutal about it and I'll bet you can live on half of what you now make. Take "missing" half and pile it on your debt. (you know which debt don't you?)

Break Parkinson's law and you'll never be sorry!

Leo J. Quinn, Jr. owner of www.LeoQuinn.com is a financial educator from the Albany, NY area. For over eight years he has been helping thousands of people get control of their finances and get out of debt in a fraction of the normal time. He has a special offer for readers of this newsletter at http://www.1shoppingcart.com/app/adtrack.asp?AdID=132551

If you are earning money in a savings account at 2% and paying anything over 2% on your debts you are sliding backwards financially and you'll never get ahead. It's basic mathematics.

If you earn 20 bucks for five years in your savings account you'll have $100. If you pay $190 in interest on your $1,000 credit card after five years you will have paid $950 in interest charges.

In other words you have wasted, lost, burned or flushed $850 by having a savings account. ($950 - $100 = $850) OUCH!

What can you do? Pay off that credit card and use that as your emergency fund. It's not best way to do it but it's better than earning 2% and paying anything over 2%.

So, while stock market is on it's roller coaster and economy is challenged your best investment, bar none, is your debts! Get them paid off!