pay it down!

ok you're going to kill me. i finished another one. i know, i know... i finished pay it down! in one night. well... first off, it isn't that large of a book. literally. it's 9in x 6in. max. and there's only so much text per page. second, it's mostly how to calculate your daily savings on items like credit card interest, coffee from a cafe, or using coupons or discounts.
i don't know if this book spoke to me. i love jean chatzky's style. it's very forthright and easy to understand. she even includes a dialogue for when you want to call your credit card company to get a reduction in interest rate. but i don't know if this is really applicable to my life. yeah, as stated before, i am in debt, but a) i'm broke and i've cut my expenses as far as they go and b) it's mostly in student loans which are much easier to pay off then credit cards where the interest can make your payments ridiculous.
probably the most applicable thing in the book is the section about knowing your credit score. i can imagine that they have been explained in greater detail mostly just to confuse the reader further. but jean chatzky does an amazing job explaining such a complex concept. and how you can improve yours. she tells you how to get your credit report. you are now allowed to request one credit report on yourself each year for free. which makes keeping track of it easier. and you are also able to fix mistakes on your credit report online or by mail using one of their downloadable forms. i am definitely going to keep track of mine from now on.