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In need of a Money Makeover? Let America's most popular cheapskate show you how to go from financial chaos to freedom and security--painlessly and in less time than you ever imagined. Mary Hunt has helped thousands live a debt-free life with her popular newsletter, "The Cheapskate Monthly." In "The Complete Cheapskate, Mary puts all the very best money advice she has in one place. Becoming a classy, dignified cheapskate is not all that difficult, and Mary shows how with her user-friendly principles of saving, restraint, and living debt-free. This book will teach you how to: - Create--and stick to--a monthly spending plan - Live well off 80% of your income - Climb out--and stay out--of debt's hole - Stretch every dollar to its absolute maximum - Manage savings and investments - Lower bills on clothes, food, and gifts without lowering living standards - Live within a financial plan that includes a margin for fun and spontaneity With hundreds of tips on cutting expenses, "The Complete Cheapskate is the indispensable guide for people ready to regain control of their finances, relieve the stress money has created, and prepare for their future.

Debt consolidation - Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Debt-free money - Debt-free money is simply the creation of new money into the economic system. Governments already do this by the issuance of paper, and coin.

Risk-free bond - A risk-free bond is a theoretical bond that repays interest and principal with absolute certainty. In practice, government bonds are treated as risk-free bonds, as governments can raise taxes or indeed print money to repay their domestic currency debt.

TN status - TN status is a special United States immigration status unique to citizens of Canada and Mexico. TN status was created by virtue of the 1994 North American Free Trade Agreement (NAFTA).

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