..... CRMA found. "You can even change tactics midstream -- for instance, pay down a high-balance credit card first, then, when that balance is below 30 percent, switch to paying the card with the highest APR. The greatest challenge will be resisting the temptation to backslide toward making only minimum payments."

I know this is an unusual selection for a book club, but I've been reading the newsletter for some time and just thought it was so well written and easy to understand that it's a must-have to help you navigate the world of personal finance.

It's easy to be a member of the book club. We don't meet -- at least not in person. We come together for a live online discussion. Join me Oct. 22 at noon Eastern time at www.washingtonpost.com/discussions. Perrotta will join me to answer your personal finance questions.

Every month, I randomly select readers to receive a copy of the featured book, donated by the publisher. This month the publisher is offering a limited number of 12-month newsletter subscriptions. For a chance to win, send an e-mail to colorofmoney@washpost.com with your name and address. If you don't win a subscription, there's still a chance you may get a copy of the current October issue of the Consumer Reports Money Adviser.

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Readers can write to Michelle Singletary c/o The Washington Post, 1150 15th St., N.W., Washington, D.C. 20071. Her e-mail address is singletarym@washpost.com. Comments and questions are welcome, but due to the volume of mail, personal responses may not be possible. Please also note comments or questions may be used in a future column, with the writer's name, unless a specific request to do otherwise is indicated.

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