If you’re not already using the power of your computer to meticulously track your finances then the long road out of debt is going to be very bumpy for you.

One of the best tools out there is the online service Mint.com which keeps track of your income, spending and debt with reports and recommendations.  It’s a free service, and they also have a great blog.  That’s where I found this gem, a graphical depiction of several business models that feed off of people struggling to pay their bills.

budget planner – Mint.com

When you know how the game is played and how these folks really make their money, you can avoid losing your shirt to them.  The thought of fast money is appealing when you’re in a bind, but remember this: The devil has the power to assume a pleasing shape.
-William Shakespeare