[JonoBN41]

AOX81, congratulations on cutting down on your debt (no matter what the religion, as if that matters). The best way to get out of debt is to not get into debt in the first place. There are ways to have what you want without spending so much money. Here are a few suggestions:

Buy boneless, skinless, chicken breasts and steam them for 20 minutes. Makes a nice dinner, then a salad or sandwich for lunch the next day or two. My cat likes it too. Spending $1.99 a pound beats $8.99 at the deli counter.

Someone who smokes two packs a day can save $3,000 a year by buying at the Indian reservation (if they have one) instead of the corner convenience store.

Buy the "oldest" new computer instead of one with all the bells and whistles. I could have paid $2,000 for a computer, but got a new Dell for $600. That was February 2001, and it still runs fine. Saved $1,400.

Change some light bulbs to flourescent. I just replaced the one in my kitchen. It's brighter than the 65 watt incandescent, but uses only 15 watts.

Next Christmas I plan to replace the C9s for my outdoor Christmas tree with LEDs, which will save me $100 for the season in electricity - and they're guaranteed for 15 years.

Do you like chocolate? Buy them on sale after any holiday. I just got $68 worth of Russell Stover for $16 at CVS. Valentine's Day is over. Easter's next!

Do you like to drive fast? Slow down. Every traffic ticket costs more in auto insurance.

Check out a local thrift store for furnishings, picture frames, and clothing. I was in one today and saw a nice sports jacket from Saks Fifth Avenue for $50. Nothing wrong with it.

See something on ebay you just HAVE to have? Wait a bit. A cheaper one will come along.

Stay away from restaurants, unless you're on a date. They are the biggest wastes of money mankind has ever created.

Look at your your phone bill. I pay $30 a month.

Buy winter shoes in the summer, and summer shoes in the winter (time flies).

Finally, bring home a lobster every now and then. You've saved so much money, hell, you can afford it.

Jono