One Paycheck at a Time Launches Web-Based Debt Reduction Program

San Diego, Calif. – January 5, 2005 – One Paycheck at a Time Inc. made available today One Paycheck at a Time™ eTools, a web-based application designed to enable individuals and families to sensibly get out of debt and manage their finances. The eTools application may be found on the Web at www.OnePaycheckataTime.com. As the company name communicates, the foundation of One Paycheck at a Time products is based on achieving debt free status – incrementally, paycheck by paycheck.

One Paycheck at a Time eTools, a subscription-based service came to fruition after the One Paycheck at a Time book hit the market in 2004. The eTools are designed as a supplement the book’s principles, but also work well on their own.

It’s the primary objective of the eTools to help people achieve their financial goals by providing interactive tools to:

• Design a personalized debt reduction plan based on individual income and expenses
• Manage spending choices in just a few clicks
• Measure success each pay period
• Receive savings tips, ideas, and inspirational stories, along with a monthly newsletter

One Paycheck at a Time’s eTools are distinctly different from other debt reduction solutions. The differences between these eTools and other money management software applications include:

1. There is no software to install as it is a Web-based application.
2. The wizard shows how to design a debt reduction plan step-by-step.
3. It tailors a personalized debt reduction plan for any income.
4. The program recommends a sensible approach to become debt free.

Most money management software applications direct customers through creating a monthly budget as this typically is the timetable on which expenses are based. “We have been well trained by our creditors to pay them once a month even though we are paid on a different schedule,” states Kimberly A. Griffiths, president and author of One Paycheck at a Time. “More times than not this approach to budgeting creates a cash flow deficit,” she added.

What’s more effective is how One Paycheck at a Time’s eTools guides subscribers through creating a budget and bill payment system based on their pay periods.

Griffiths adds, “If you are struggling to make ends meet paycheck to paycheck, consider budgeting your money differently. Whether you are paid weekly, twice a month, or every other week, eTools will help you time the payment of your expenses in coordination with your pay periods. Although a subtle difference, this shift of money allocation typically improves a person’s cash flow after a few months of applying the principles to their budget.” Once debt free, eTools customers may advance to allocating additional money into the eTools savings program.

The monthly cost of the One Paycheck at a Time eTools subscription service is normally $16.95; however introductory pricing of $12.95 for the first month is being offered for a limited time. Subscribers can save money by purchasing a 3-month subscription for $30, and also will receive the One Paycheck at a Time ebook (value $9.95) free when they sign up.

Don't just budget your money, become debt free, One Paycheck at a Time.

About One Paycheck at a Time
One Paycheck at a Time Inc. is the leading source for sensible debt reduction solutions. Its products include the One Paycheck at a Time paperback, as well as an ebook format (ISBN: 1591133327), and the eTools program. The author of the book and president of the company, Kimberly A. Griffiths, has been through the vicious cycle of debt herself and has made it her personal goal to share her experience to help others. More information can be found about the company and its products at www.OnePaycheckataTime.com.