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It's pretty straightforward, actually:

http://www.hulu.com/watch/1389/saturday-night-live-dont-buy-...

Seriously though (on second thought, that was pretty serious), about 5 or 6 years ago this offline app helped us become completely debt-free (and saved us a bundle on interest fees in the process):

http://www.zilchworks.com/zilchstandard.html

If ReadyForZero offers users similar functionality and the pricing is fair, it will more than pay for itself.




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