It's pretty straightforward, actually: http://www.hulu.com/watch/1389/saturday-night-live-dont-buy-stuff http://www.hulu.com/watch/1389/saturday-night-live-don

It's pretty straightforward, actually: http://www.hulu.com/watch/1389/saturday-night-live-dont-buy-stuff 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 http://www.zilchworks.com/zilchstandard.html If ReadyForZero offers users similar functionality and the pricing is fair, it will more than pay for itself.