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Impulse purchasing can be one of the main causes of out of control debt. It's hard to imagine how much your dollars really worth. One of the best was to visualize this abstract concept is to compare it to your hourly wage.

The idea is simple. How long do I need to work to pay for something? The answer is not so simple, and that's why I created this site, to simplify the calculation and to make it easy for everyone to simply plug in a few numbers and get a fairly accurate result. Fairly accurate you say? Well yes... I'm sure you don't want to spend the day entering all your personal finacial details just to increase the accuracy by a couple minutes. I have however provided enough functionality to give you good results.


What's the world saying about our applications?

"It's actually a genius lesson in how to manage your spending money."

- Glamour Magazine


...if you take the added interest that accrues on the increased balance of your debt into account, over time that price quickly grows—and that's the dollar amount The Real Damage focuses on.



A free online calculator at may help you say no to new spending...

- Wall Street Journal


Do you have a big screen TV on your Santa wish list? How about an Xbox 360, or a new iPad? You might rethink some of those wishes once you check a new website.