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One of the unavoidable – and sometimes most painful – steps in the journey to become debt free is setbacks.
We had been looking forward to becoming debt free in about 12 months, but our schedule has been delayed due to the bout of unemployment. I could tell you that I’m not disappointed… and I [...]

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I found this interesting chart on Gizmodo about how Blu-Ray players are basically following the same price trajectory as traditional DVD players:

I don’t have a Blu-ray player myself, and I’m sure glad I didn’t buy one at $300. Hopefully this means that the discs will become dirt-cheap just as quickly. I can wait.

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Do you have an ING Direct savings account with unused referrals? I usually have lots of $25 bonus links available, but have been falling behind again. The first 25 people who comment below tonight and leave a working contact e-mail (real name not required, e-mail will not be shared publicly) will get one filled by me for free, which is $10 for you. (All done!)

As a bonus to my always-helpful commenters, if you’ve also left a comment with the same e-mail address ever on any post before, you’ll get an additional referral filled for free.

Due to comment moderation, your comment may not show up right away. One referral per person. Look for a message from me to your e-mail address with further instructions later on. This usually goes fast, so thanks for helping me out!

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Want to check your credit score to start off the new year? Here’s a current coupon for real FICO scores and all other credit products at myFico.com. Use the promotional code SURVEY30 to get 30% off and a FICO score for about $11, the best discount currently available:

The code is good until December 30th, 2009 (although try it as it may still work even after that date). As a backup, you can also get 26% off with the codes DECEMBER26 or 26UNTIL2010 until 12/31/09.

Experian no longer allows Fair Isaac to sell FICO scores to consumers at all, even though lenders still buy and use them. They sell their own FAKO (”FAKE-O”) version now. But since lenders almost always use real FICO scores in their decisions, those are the only ones you should pay for – if at all – in my opinion.

For the diligent, a cheaper alternative is to sign up for a free 30-day trial of Scorewatch, which includes two free Equifax scores and reports. Just remember to cancel as soon as you grab those scores. You are allowed to cancel online, without having to even call in. As always, you can always request your credit reports (not scores) once every 12 months at AnnualCreditReport.com.

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Here’s to wishing you and your families a safe and happy holiday season. I also hope that we can all take some time to reflect on 2009, which was a very hectic year in our household.

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