[Stacy Ott]

Auto draft or auto savings may be a good option for you. If you’re taking 10% or 20% off of the top of your paychecks, you’ll very likely not even notice it. This would allow you to build savings while you’re still paying down your debt the way that you currently are.

[Stacy Ott]

I actually disagree with taking no-spend anything for the vast majority of people. They seem to be billed as (for the most part) a one-stop fix all for broken budgets instead of a way to boost savings. In reality, they are a crutch to help people get through a tough time, but for the majority, they do little to fix the actual issue that got them into budget trouble in the first place.

Bad spending habits. For people or families that have a spending issue, no amount of no-spend anything is going to fix their finances.

(I will concede that this isn’t true for all people and that some folks do benefit from them, but it is my opinion that it is true for an overwhelming majority.)

[Stacy Ott]

Swap is another good one for kids/womens clothes and things like DVD’s and toys. They limit you to (3) 50lb (max) shipments per month, but they photograph, store and ship everything for you so it makes things fairly easy. All you have to do is ship to them and price your items.