A couple of days ago, we took a dive into debt, when it's OK, when it's not, and how to begin eliminating it. You also used my Debt Payoff Calculator to figure out how much you need to pay per month in order to eliminate your debt within your goal. If you haven't figured that out yet, you can access that here. Today, I want to help you conquer a huge step in eliminating your debt, but one that people often overlook very easily - optimizing your spending. Are Your Personal Finances … [Read more...]