Are you in debt now and want to be debt free in 2013? Maybe not that easy, but here's a list of things suggested by DebtConsolications.com that you can do to cut down your accumulating debt:

1. Leave your credit card at home

We second this approach if you're not a disciplined shoppers and tend to buy more with a credit card in hand. However, for disciplined shoppers, a cash-back credit card with no annual fee save you money rather than costing you more, if you always pay credit card bill on time.  

From $45 to $560, choosing the proper bike rack for your vehicle should be easy. Refer to the following guide to find which bike rack will work for your vehicle. See below for a quick summary of using a hitch or a root mount.