Amortization Calucaltor:  Live Debt Free

1. Save an emergency fund to cover all Credit and Bills over a six-month period. Income loss insurance may help, plus money from GolfVoid.com Annual Profit Sharing.

2. Shop around for the lowest interest rate; Make the largest down payment possible; Increase payment frequency and exceed minimum payment if no financial penalty.

3. If you have multiple DEBT; Pay bills completely from the smallest to largest.  Cancel Credit Cards in writing BEFORE paying them off in full to avoid identity theft.