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Jean Chatzky has been working with viewers of NBCs Today show for a yearlong series on how to get out of debt once and for all. Her method, both on TV and in this book, is simple yet powerful: the key is saving just $10 a day that you currently waste. It doesnt sound like mucha movie ticket or lunch for two at McDonalds but $10 really can take you from debt to wealth in just a few years. And because it doesnt feel like an impossible goal, people are more likely to stick with Chatzkys plan than an extreme regimen of spending cutbacks.

Chatzky is focusing on debt because its the single biggest threat to our financial health. The average American family has sixteen credit cards and high-rate debt of more than $8000, not even counting car loans and mortgages. They pay more than $1000 a year in interest alone. Debt makes people feel depressed and overwhelmed, leaving them without enough money for the truly important things in lifeeducation, retirement, owning a home, feeling secure.

Chatzky, one of Americas most popular personal finance experts, writes in down- to- earth, woman-next-door language about how to get started right away, without giving up the things that truly give you pleasure. She offers practical, accessible strategies to help readers find the money to pay off their bills, lower their interest rates, and improve their credit scores. Featuring real-life examples of people featured on her Today show series, Pay It Down can transform debtors into future millionaires.