Relatively small steps to pay down debt and increase saving can have profound effects on your finances, especially if they are carried out consistently over time. Here are some links that may give you some ideas for small steps you can take to improve your financial outlook.
See how long it will take to pay off credit card debt at Cardtrack. Don’t be discouraged. Even a little bit of extra payment can shave off months and years.
You can make a similar calculation for your mortgage at Bankrate. CNN Money has a similar calculator and a debt reduction planner.
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