DEBT FREE LIVING

Close your eyes and picture a life without any debt: no mortgage payments, credit card bills or auto loans. In today's shaky job market, the image holds particular appeal - impossible though it may seem.

On a national level, Americans are incurring more debt and saving less than ever. The average U.S. household with at least one credit card carries $8,523 in debt, according to Cardweb.com, and the savings rate is at a historic low - around 1 percent, according to Standard and Poor's.

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