By R.J. Bowman
The average American has approximately $33,000 in debt--and that's not counting the mortgage. If you are tired of working hard all week just to make your minimum payments, it is time to get serious about paying off debt. Making short-term sacrifices will leave you with the long-term reward of a debt-free life. With no credit card or car loan payments to make, you will be free to do just about a