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  1. Avoid credit while shopping this holiday season! http://bit.ly/5GWEki
  2. I posted 5 photos on Facebook in the album "Community Outreach" http://bit.ly/6afCyT
  3. S.W.Y.M. Tip: Open all the blinds, shades and drapes during the day (if sunny) and close them at night. Let the sunlight warm your place.
  4. Why DebtWave? DebtWave Credit Counseling is ISO Certified
  5. S.W.Y.M. Tip: Close the doors and the Heater vents in rooms that are being used. Concentrate the hot air to only the rooms where people are.
  6. Want to know how to get out of credit card debt? http://www.debtwave.com
  7. Why DebtWave? DebtWave Credit Counseling is ISO Certified
  8. S.W.Y.M. Tip: Expecting Parents - Evaluate and understand what your health plan covers during pregnancy to maximize your benefits.
  9. Want to know how to get out of credit card debt? http://www.debtwave.com
  10. S.W.Y.M. Tip: Install a programmable water heater timer. Program the heater to turn off during hours you'll never be in the shower.
  11. S.W.Y.M.Tip: Take advantage of restaurants' happy hour prices. Most restaurants offer great discounts on apps. and drinks before 6 or 7pm.
  12. Find out how DebtWave can help with your credit problem - Call toll free (888) 686-4040
  13. Why DebtWave? DebtWave Credit Counseling is ISO Certified
  14. Want to know how to get out of credit card debt? http://www.debtwave.com
  15. Rebuilding Your Credit: Fox News San Diego http://bit.ly/T6ikP
  16. Find out how DebtWave can help with your credit problem - Call toll free (888) 686-4040
  17. S.W.Y.M.Tip:Look for coupons for your favorite local restaurants. Clipper magazine is a great place to find good deals in most areas.
  18. Why DebtWave? DebtWave Credit Counseling is ISO Certified
  19. Want to know how to get out of credit card debt? http://www.debtwave.com
  20. New FICO scoring more lenient on small, missed payments http://bit.ly/4nIkJC