I was surprised and pleased that you posted my email on your site.
 
Here's a technique my wife uses that I thought you may want to pass 
along to your readers.
 
Many department stores require you to use their credit cards in order to 
get advertised discounts.  Since many of these cards are run by Citi, 
they have huge interest rates and late payment fees.  The idea is to 
entice you to use the cards to get the discount but to get it all back 
when you miss a payment!
 
What many people don't realize is that you can make payments on these 
cards AT THE STORE! 
 
The way to get the discounts and not the card penalties is to buy your 
items with the store credit card, and then PAY OFF THE CARD BEFORE YOU 
LEAVE THE STORE.  This way, you have no credit card bill, you get the 
discount, and you don't buy more than you can afford.
 
I hope this helps and keep up the good work.
 
Dave