So, you want to buy a new car stereo or that new game system? How about one of those cool new super-flat LED TV's that you're drooling over? OK, open your mind up a little bit and make room for a very cool concept.

What you need to do first is figure out the monthly payments on the purchase of your choice. Let's say you want to buy a new boat, and the monthly payment works out to be $276. Great! Now, instead of trying to figure out how to cut back on your spending somewhere else - or trying t...
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