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If you're knee deep in debt, cannot pay your bills and wish to avoid collection calls, you may consider debt settlement..

macysmartuI have all my cash savings at SmartyPig right now, and they just announced a 12% bonus at Macy’s (and other bonuses at Barnes and Noble, iTunes, etc). And I kinda like Macy’s. Quality stuff, and not too overpriced.

So, what the heck should I save for?

They have a ton of nice furniture stuff, but I don’t need any furniture at the moment. But, by next year, I probably will. So hmmm…

You can see all the SmartyPig bonus % and retailers here.

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