The average American today has over $9000 in credit card debt yet spends over $4.00 per day on coffee. Think about that for a second...

What that stat tells you, is that even when we're in bad financial shape, Americans don't want to give up on life's little luxuries in order to cut costs.

With that in mind, we have compiled a list of 101 tips to help you trim your debt without having to give up too much. Some of these tips only get you small savings every day, but keep in mind that all together these savings really add up...

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Rest of the list for "101 Painless Ways to Cut Spending" can be found here:

www.creditcardlowdown.com