http://www.cnbc.com/id/33584424
Please comment if you plan to participate. About 2 months ago, I went to the envelop system, cancelled most of the automatic purchases to the credit card, switched to using debit card for purchases/payments when necessary.
If you want 2009 to start out with great numbers, cancel the automatic purchases/memberships in the month of December. Then, your January statement will start out right.
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