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1. Save three months of income in super safe investments. Before aggressively paying down your debt, I recommend you pay yourself first by having three months income in a savings account or other no risk investment that you can get to in an emergency. Do not put off any longer having this emergency saving. This is what you need for real emergencies. With this money, you should be able to raise..

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In many places, governments have passed laws (at the urging of the credit card industry) to make this illegal. Despite this, some retailing sectors flout this regulation, especially in areas of very competitive, commodity products such as personal computers, where the fine print of an advertisement states "prices already cash discounted â€” surcharge for credit card". Other retailers offer incentives or bonus coupons for using cash, such as Canadian Tire Money. Australia is currently acting to reduce this by allowing merchants to apply surcharges for credit card users. In the United Kingdom, merchants won the right through The Credit Cards (Price Discrimination) Order 1990 to charge customers different prices according to the payment method, but few merchants do so (the most notable exceptions being budget airlines and travel agents). The United Kingdom is the world's most credit-card-intensive country, with 67 million credit cards for a population of 59 million people.[1]

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