Are you thrifty? I am looking for coupon ninjas and tips on how to manage money and pay off debt?

Yes I am. If you are interested in couponing, I would recommend couponmom.com. This site helps you match up manufacture coupons with sales at local grocery stores.

This way you get a super good deal- sometimes even free items. The first step to managing your money is to know what's coming in and what's going out. Start with the things that don't change every month.

Like rent/mortgage, car insurance, etc. Then try to figure out what you need for the variable expenses- such as eating out, fuel, etc. Then figure out what you want those variable expenses to be at. For example, maybe you spend $50 a month eating out, but you'd like to cut it down for $30. When you get paid, take $30 out and put it into an enveloped marked "eating out.

" Once that money is gone it's gone. Also it will feel good to know that you have that money to eat out, even if your checking account has a zero balance. There are two ways to get out of debt- which way is best for you depends on your personality.

The absolutely best way to get out of debt is to pay off the highest interest debt first. Once that is done, take what you were paying towards that debt, plus the minimum payment to your 2nd highest interest rate debt and pay that off as quickly as possible. Then you combine those two payments and start working on the 3rd debt.

Keep going until your done. The other way to pay off debt is to order your debts from smallest to largest, regardless of interest rate. Pay the minimum payment on everything but your smallest debt.

Put every extra cent you have towards that debt. Once you've paid it off, take the payment for your smallest debt, plus the minimum payment for your 2nd smallest debt, and attack it until you've paid it all off. This one isn't quite as effective, as paying the highest interest off first, but it does get you some quick wins which helps keep you motivated to keep going.

Hope that helps :D.

You can try with credit repair companies like vercity . At this page you I found some vercity coupons. Good luck!

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