Debt-Proof Living: The Complete Guide to Living Financially Free (Debt-Proof Living (Paperback))

Debt-Proof Living: The Complete Guide to Living Financially Free (Debt-Proof Living (Paperback))
Average customer rating:

Jesus saves... and pays his credit card bills!

Debt proof living

Best Budget and Money book out!

This book will change your financial life!

Ideas that work for everyone!

Debt-Proof Living: The Complete Guide to Living Financially Free (Debt-Proof Living (Paperback))
Mary M. Hunt
Manufacturer: DPL Press
ProductGroup: Book
Binding: Paperback

General | Business & Investing | Subjects | Books
Budgeting & Money Management | Personal Finance | Business & Investing | Subjects | Books
Credit Ratings & Repair | Personal Finance | Business & Investing | Subjects | Books
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ASIN: 0976079119

Amazon.com

There are plenty of heavily pedigreed personal-finance experts dishing out good advice, but not many who know what it's like to have to eat ramen all month to make a car payment. On the other hand, there's Mary Hunt, a recovered credit card addict whose free-spending ways landed her family in the middle of $100,000 of unsecured debt in the early 1980s. Pulling herself out of that morass gave Hunt the courage to strike out on her own as a writer, motivational speaker, and the brains behind The Cheapskate Monthly, a newsletter and Web site (www.cheapsk8.com) dedicated to promoting the art of living within one's means, a message that grows ever more urgent as the average American family struggles each year to pay $1,200 in interest alone on revolving, unsecured debt.

While Hunt's previous books have echoed some consistent themes--debt bad, saving good--they've addressed a hodgepodge of different areas: building financial confidence in women and kids, doing Christmas without a stack of credit cards, tips for gourmet cooking at low cost. In Mary Hunt's Debt-Proof Living, Hunt finally puts together a financial primer for all--whether retirees trying to decide when to start drawing Social Security or teenagers ready to sign for their first college loans. Security, according to Hunt, is built with simple tools: tithing, saving, paying off debt, creating a contingency fund for emergencies, driving used cars, owning a home, having insurance.

Although Hunt's "been there, spent that" zeal and warmth have turned her into the Ann Landers of personal finance, she's not just an agony aunt for spendthrifts--business experts will find her a savvy marketer who's using her name and story to build, somewhat ironically, a very effective brand. That doesn't negate her sincerity, however, or the fact that her advice is sound, her formulas work, and her Rapid Debt Repayment Plan has kept increasing numbers of families out of bankruptcy. And finally, Mary Hunt's Debt-Proof Living is just a joy to read--its clarity and lack of condescension make it a perfect gift for anyone just starting to understand the basics of money. --Barrie Trinkle

Book Description

Getting out of debt is only part of the plan. The reader learns how to give, save and build wealth using the Contingency Plan and Freedom Account along with the authors sound and proven principles.

Customer Reviews:

Jesus saves... and pays his credit card bills!.......2007-09-11

There is nothing original in the prescriptions Mary Hunt gives to eliminate debt. On the bright side, it is easy to read and takes almost no effort to understand. On the other hand, I found the references to God and Jesus nauseating. No doubt Ms. Hart loves her religion, but mixing her religious beliefs with the simplistic ideas detailed in this book doesn't add anything. Try "Managing Debt for Dummies".

Debt proof living.......2007-08-24

Everyone should read this book and follow her steps. This is a great way to get out of debt.

Best Budget and Money book out!.......2007-07-16

I first checked this out of the Library but after the third time decieded I needed my own copy. Positive and not degrading like some of the other budget cash only spokes persons.

This book will change your financial life!.......2007-02-24

Pros: Common sense advice that anyone can follow! It WILL help you get your finances in order and help you change your perspective about the monetary side of life. They should make this a mandatory class for high school and/or college students. The website is extremely useful, as well.

Cons: For me, it was disheartening that I could not put the spending plan into immediate action. For someone who is in serious trouble, the advice she suggests may seem too daunting and too difficult to follow. I do not think this is a flaw on Hunt's behalf, but is more an indicator that people with high debt who are spending beyond their means truly need to make more serious and drastic changes to their way of living.

I have posted my personal experience with Hunt's Debt-Proof Living for you if you'd like to read about the positive possibilities that following Hunt's plan offers.

I read Debt-Proof Living two years ago. At that time, we had about $30,000 in credit card debt, we were paying nearly $3000/month on our mortgage, and my husband and I were both driving around in gas-guzzling shiny vehicles. The financial strain was beginning to take it's toll, putting strain on our relationship, our health, and on every aspect of our life. We were living beyond our means, sinking fast, and I reached for this book in desperation.

We were unable to start the spending plan right away because we did not have money to start it with. Every paycheck that came in went right out to keep bills paid just barely on time. As Mary suggested, this was a warning sign that we were living beyond our means and would need to make more drastic changes in order to get to a financially secure place.

First, we traded in my gas-guzzler for about $9000 and I bought a more economical $4000 used car. I still have it, and other than routine maintenance, we have incurred no other cost with it. It also cut our gas expenses significantly. We used the money to make some home improvements so we could put our house on the market. Unfortunately, it took almost a year for our house to sell. All the while we were now falling behind on our mortgage payments and incurring even more credit card debt maxing them all out at $50,000 before it was all said and done.

We finally sold our 3 acre, 4 bedroom, 4 bathroom home last August, we sold a lot our stuff, or just got rid of it, and we moved to a much more modest 3 bedroom, 1 bathroom home, with a small back yard. (I LOVE it!) That cut our mortgage payment by more than half, not to mention cutting my cleaning time by half, too. I took on a part-time job and my husband picked up some extra hours.

This year, we finally got to the place where we could use our tax return to fuel the spending plan suggested by Hunt. It is working like a dream! No more credit cards. We pay cash. If we can't pay cash for something, then we don't get it. We have a savings cushion for unexpected and expected emergencies. This is how it should be. Everyone in my family is happier!

While we are not out of the woods yet with the debt we have accumulated, we can see the light! Even better, if we stick with the spending plan, we will have our home and all of our debt paid off in just 9 years, saving over $100,000 in interest. It will take discipline, but it will leave us with about $40,000 a YEAR just burning a hole in our savings account!

While a total of eleven years, including the two years it took us to get this far, might seem like a long time to get out of debt, had we taken no action, we would have lost our home, and eventually would die of old age and still have the debt! It makes eleven years seem easy!

By following the plan, I have learned just how materialistic and foolish I had been with money. I learned that my family is just as happy, if not happier, with much less "stuff" and space than we had. I have learned to view society in a whole new light, realizing that we are over indulgent and need so much less than we think we need.

What is most important to remember when reading this book is that it is simple, common sense advice for a long term plan. The results that may or may not be seen instantly depending on your individual situation. But ANYONE can improve their financial outlook by following the suggestions in this book.

Ultimately, this book does not give you a band-aid to fix the boo-boos. It gives you a cure!

Ideas that work for everyone!.......2007-01-07

This was one of the first books I read this year as part of my New Year's Resolution to get out of debt. Of all the financial debt books I've read, this one is fantastic. No matter what stage of debt you're in, Mary Hunt's ideas are workable. One of the reasons I liked this book so much is that it gives a simple, easy to follow plan and then backs it up. There are only so many debt books you can read that say: save for retirement! Don't rack up debt! Well, duh. Here's a way to actually deal with it.

The Debt-FREE & Prosperous Living Basic Course

Average customer rating:

You need to read this -- 10 stars!
I'm eager to review the notes I took on his course.
A Great Resource!
TEACH THIS IN SCHOOLS!
The BEST system for debt elimination and financial freedom

The Debt-FREE & Prosperous Living Basic Course
John M. Cummuta
Manufacturer: Debt-Free & Prosperous Living, Incorporated
ProductGroup: Book
Binding: Paperback

All Titles | Qualifying Textbooks - Fall 2007 | Stores | Books
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The Debt-Free and Prosperous Living Basic Course/Book&4 Cassettes

ASIN: 1883113105

Book Description

The Debt-FREE & Prosperous Living manual will take you through a simple-to-follow system for prioritizing, then paying off, EVERY PENNY of your debt... in the shortest possible time. It'll show you how to operate 100% on cash...even in emergencies...so you'll NEVER need to use credit again. It'll teach you how to focus every dollar you're currently wasting on debt payments towards building your wealth. And, it'll show you how to do all this with the money you ALREADY make! You'll learn how and why you've been misled...taken advantage of... all you life, by a system designed to keep you in a prison of debt. You'll learn how to save thousands of your hard-earned dollars when buying insurance. You'll learn how to stop car dealers from picking your pockets. You'll learn why it can actually be a BAD idea to save a little money each month. You'll learn why you won't care what your credit rating is. You'll learn how to get a 31.32% return on your money.

Customer Reviews:

You need to read this -- 10 stars!.......2006-12-06

I cannot say enough good things about John Cummuta's DFPL course. By following his advice to the letter, I have ratcheted down a $15,000 debt pile to only $2,000 in five years. Had I paid only the mininmum payments (what my creditors wanted me to do!), I would have literally spent the rest of my life paying off this debt!!! This amount will be completely paid in full by the middle of next year.

Without realizing what I had done, my credit score jumped waaayyyy UP!!! I found this out just recently!!

You won't regret the money you spend on the DFPL course. Your financial life depends upon it!

I'm eager to review the notes I took on his course........2005-05-27

I almost didn't consider a review, but in my online research for info about Mr. John Cummuta, I found this link, and recalled I could submit a review, and felt the obligation; I ordered the course he offers, so I am guessing that the book here was in the course -or is very similar to it, so my review of his course will give you an idea of how the book is. (I did online research to see what was up with his course and if I should return it & get my money back or keep it.)

Anyhow, some "oldie but goodie" ideas include the simple but reliable adage to NOT be in debt. Mr. Cummuta tells the reader (or listener in my case; I had CD's) early on that you gotta cut up that credit card. He makes his case well, and as a person who has used credit cards successfully for many years, in college and since, I say from experience: He is right. Most of the time, I had not problems with using my credit card, but recently some emergencies have pushed my balance up to about 5,000 dollars, and let me tell you: The interest of about $50.oo per month is eating me up because (as I'm sure you know) you don't pay on the principal owed until AFTER you've paid that interest.

Suffice it to say that he is right. After he makes his case, he casually mentions another wise man, Solomon, the author of Proverbs, whose proverbs caution the reader to NOT be in debt. (Yes, I was surprised to here him quote the Bible, even as a person who believes in it, but he is right, and he is careful to acknowledge that some people might have different religious beliefs. He is careful to not offend the reader, but merely offer this as supplemental info for the curious; He does well here!)

The elimination of credit card debt is not the only thing he has to offer, but there were new things in his packet (which may or may not be in this particular book; I don't know). He lists four (4) different ways to supplement your income, and is careful to admit that these are NOT "get rich quick" methods. The four he lists are: #1, An intro to e-bay and online auctions; #2, buying & renting residential real estate (the "landlord" thing); #3, Creating & marketing information products; and, #4, Online affiliate marketing business (that is, click-able referrers on your website).

Those were a refreshing addition which stimulated my imagination, but the **main** focus he makes is to pay off your debts in a "logical" fashion, prioritizing the "most important" debt first. He shows the reader how you divide the balance by the minimum payment that the creditor sets, and you get this figure for each debt, that tells you which one is a priority. I think that the smaller the balance in comparison to the payment, the easier it is to pay off, and should be prioritized, with the other debts receiving the "minimum monthly" payment. This is "logical" because the "spare cash" you'd have after that debt is paid can go to the other debts.

He also has a laundry list of tips to cut corners, and some of them are good, like getting a used car, which would cost much less yet be still almost as good as a new one. I think (but don't recall) that he advocates using a clothing line instead of a dryer, still a good idea.

One of his strengths is knowing when add-ons to your insurance are good, and makes the case that a higher deductible is not unsafe, because the insurance company would NOT insure you if THEY thought you were a risk, and he suggests you trust the insurance company, as it is comprised of experts. (John surprised me with his attention to detail: He correctly points out that using spare money to pay off debt is better than investing it, due to the comparison between the two interest rates!)

Well, they offered a money back guarantee, and I strained my brain listening to this guy's CD's. He sure can talk, and talk, and talk, and he makes sense, so his book is probably not bad.

All in all, since I knew some of this stuff and took notes on the rest, I feel that I don't need his course, but he is "old school," and will guide you right if you need to get out of debt. My online research confirms my feelings that he is trustable.

Although I am returning his course to get my money back, I nonetheless recommend it for you because his ethics are HONEST: His methods is based on the premise that you don't get something for nothing. When he suggests that you put your credit card in water, and then freeze it, to eliminate "impulse" usage (except for emergencies), you will know what I mean: If you don't get his book or course and are still in debt, don't blame Gordon Wayne Watts of Lakeland, Florida, USA -because he has told you -as one who has experience in credit cards -both good and bad experiences.

My review is meant to be helpful, and I sign with my real name to show I'm not some paid advertisement hack. Even though I'm returning it, I am VERY grateful that I was able to review it (and take good notes). Since I am eager to pour over my notes, this is a good indication that my "5-star" review is accurate: Yes, I highly recommend the John C. Cummuta book.

Gordon Wayne Watts, Lakeland, Florida, USA

A Great Resource!.......2004-10-09

Are you mired in debt and looking for a way out? Does your financial situation look bleak? If so, fret no more. Pick up a copy of DEBT-FREE & PROSPEROUS LIVING: BASIC COURSE by John Cummuta and let your financial wellness commence! This is an awesome resource in helping you devise a plan to become totally debt free. Free from steep credit card balances. Free from the monthly constraints of a mortgage. Free from any type of debt that is currently bogging you down.

In DEBT-FREE & PROSPEROUS LIVING: BASIC COURSE, Mr. Cummuta lays out a financial formula, which if applied consistently to your personal situation, will help you to achieve a better financial situation. Using his formula, the reader is able to actually achieve a date as to when they will be debt-free. How exciting it is to discover this revelation!

I was first introduced to this plan at a local college where I enrolled in a financial workshop. This initial investment was one well worth the costs of a three credit course! The financial blessings that I have received as a result are priceless! Using Mr. Cummuta's plan, I was able to improve my credit score by over 50 points in a year's time! The information is easy to apply and to be honest, is probably something we've all heard before, yet the application of the information is truly valuable.

Our local book club has selected this plan to continue to apply to our unique situations. We have an upcoming presentation based on this workbook, yet some of the members have already begun applying this information to their personal situations. The testimonies of our members are also very compelling. One particular member said she could realize financial freedom from her student loans, credit cards and car note within a two-year period. Another stated she could be debt-free from these same constraints in a 4-year period. For a small investment, which is just the cost of this book, you could also have a similar testimony!

In my opinion, this would be a self-investment well worth the costs. In addition to the workbook, cassettes and software are available. Although our local group did not choose these options, we did develop our own spreadsheets to track our progress. If I had the opportunity, I would thank Mr. Cummuta for putting this information together.

Reviewed by Nedine
of The RAWSISTAZ Reviewers

TEACH THIS IN SCHOOLS!.......2003-12-11

This program is excellent! The best personal financial debt-elimination and wealth-building plan I have come across over many years. It should be taught in our high schools and universities. Easy-to-read and understand, you will learn basic principles which can enable you to control your financial destiny. You will want to share what you learn with family, friends and associates. I write from experience...the plan has worked for me and I've shared it with my grown children, extended family, friends and business associates. The book with its forms is great and stands by itself, however anyone would gain additional insights from the audio tapes, as well.

The BEST system for debt elimination and financial freedom.......2003-02-20

...I have read many books on the mechanical, spiritual, and emotional aspects of money, personal finance, and debt elimination, and Mr. Cummuta's contribution in this field is by far the finest. His system will get you out of debt quicker and easier than any other system.

In his tapes he will explain how we have been brainwashed by the banks into believing that credit is good, how we've fallen into the "monthly payment" trap, the price we pay for committing our future income to creditors, and why consolidation loans and mortgage refinancing will leave you worse off than before. He'll explain why it is NOT a good idea to save money when you are in debt and why your mortgage interest deduction is a bad deal. If you're like me, you'll listen to tape 2 over and over again until your subconscious is retrained to understand the horrible cost of "I have to have it now." The workbook will take you step by step through the system and show you how to cut costs and pay off your debt in 5 to 7 years--including your mortgage--all with the money you are currently making. It will also show you how to quickly build retirement wealth and offers other tips too numerous to mention.

I can't speak highly enough for this program. It has totally changed how I think about credit and spending and has given me tremendous hope for my financial future.

Debt Free Living
Average customer rating:

No practical information provided

Debt-Free Living

The truth about debt and credit. This book can help a lot of people!

Great Help!

Very profitable reading.

Debt Free Living
Larry Burkett
Manufacturer: Moody Publishers
ProductGroup: Book
Binding: Paperback

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ASIN: 0802442323

Book Description

Credit is so easily obtained and credit card applications flow into our mailboxes virtually every day. Many couples find themselves deeply in debt and not even sure of how they got there let alone how they can get out of it. Larry Burkett has the solution!His bestselling book, Debt-Free Living, has been updated and modernized. Debt-Free Living has been providing poignant and biblical teaching on debt for over a decade. This updated resource will teach the consumer about the origin of most financial troubles and help him or her break the 'debt cycle.' Debt-Free Living is a necessary resource to battle the temptation and trappings of debt that are weighing you down.

Customer Reviews:

No practical information provided.......2007-03-26

I was recommended this book by a professional credit counselor. After reading the reviews below, I knew it had a heavilly Christian bias and was prepared for that. However, it is about 90% antecdotes about couples in financial trouble. And in each instance, the couples (and reportedly the author himself) are rescued by a financial miracle after accepting responsibility for their debts and praying. As nice as it would be to rely on that, I was looking for practical advice. It tells you to make a budget, but doesn't tell HOW to make and stick to a budget. There is absolutely nothing in here about how to actually get debt-free and stay that way.

Completely ignoring the heavy religious bias (there's no effort to hide it in the descriptions of the book) I can see one "pro" in this book...the narratives about couples in trouble are a bit hokey, but they do put a mirror up to readers who can see bits of their own habits in at least one of the couples. Facing the bad habits is a starting point. Go somewhere else for practical advice. I for one do not have time to wait for God to tell someone to pay off my student loans and offer me a free place to live!

Debt-Free Living.......2007-03-09

This book has changed my life! If you are a Christian, it is a must-read as it details what God's blessings will come if you follow His Biblical plan. Well-written and full of real-life examples. Also see companion Budget Workbook by Larry Burkett.

The truth about debt and credit. This book can help a lot of people!.......2006-08-09

This is a really good book concerning financial issues that face almost everyone.

Larry Burkett's easy-to-read advice is truly a blessing to the Christian community, and I highly recommend it. God does not want our lives to be financially unstable. The different couples in this book and the situations that they suffer through allow the reader to see how finances can spiral out of control.

The advice in this book is solid. It is not a get-out-of-debt-fast magic book. It is a book written by a man who understands the drastic changes in the way society sees debt. We have been bombarded with a "get it with credit if you can't afford it" attitude.

People who truly want to stop accumulating and accepting debt as just a fact of life now have a book to get them started on the road to financial freedom.

Stop the insanity of just paying off one loan with another loan, buy Burkett's book and get started on the road to financial happiness.

See ya next review!

Great Help!.......2006-08-07

This book is great! Spiritually focused help for everyone. Easy read and practical use. Strongly recommend!

Very profitable reading........2005-04-16

I really liked this book. It is a classic book for those who are interested in managing their finances according to Biblical principles, and for those who have landed themselves into debt. Larry Burkett teaches biblical principles of debt-management by telling stories... stories collected over years of counseling thousands of struggling individuals and couples. Some of the previous reviewers have said that these stories are just anecdotal scare-tactics, but the intriguing thing is that I see highly-educated people around me making the same "anecdotal" mistakes with their finances (and reaping the consequences). Americans (in general) have no clue how much house they can afford, etc. and regard debt as a necessary evil... or even as a good thing. This book helps you to see debt in a more balanced light, and is highly recommended to anyone who struggles in this area.

As you can see by some of the other reviews, if you're not a Christian, you'll probably get hung up on some of the biblical principles: such things like keeping your word even when it costs you money, family leadership principles, living within your means, and the husband-wife relationship. So if you're not a Christian, I would suggest taking a serious look at the Bible (by studying what it says) and then compare it to the principles in this book. I think you'll find that the Bible is reliable and timeless in its guidelines for finances just as it is for every other area of life.

Free and Clear: God's Roadmap to Debt-Free Living

Average customer rating:

Great Book
Everyone needs this book
Manage money from a biblical perspective

Free and Clear: God's Roadmap to Debt-Free Living
Howard Dayton
Manufacturer: Moody Publishers
ProductGroup: Book
Binding: Paperback

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ASIN: 0802422578

Book Description

Overwhelmed with debt? There is hope and freedom for you no matter how big your problem. Skyrocketing debt has crippled and divided millions in this age of rampant credit, interest-only mortgages, and record loan defaults. The way out from under debt burdens is not a declaration of bankruptcy, but surrender to the Word of God. Becoming debt-free may seem an impossible dream for many, but it is actually an attainable goal according to Howard Dayton, president of Crown Financial Ministries. He overcame his own struggle with debt by applying God's principles to managing his finances, principles he lays out in this practical, encouraging, never-give-up book.

Customer Reviews:

Great Book.......2007-10-18

This book is like all the other financial books but one thing the other financial books don't offer is God's wisdom. I have read a couple financial books but this one I truely enjoyed reading.

Everyone needs this book.......2007-08-31

This book is simple to understand. It makes people understand the importance of debt-free living and the steps to get debt-free. The book truly teaches God's way of handling money.

Manage money from a biblical perspective.......2006-03-14

This book is geared toward Christians who want a better handle on their finances. Borrowing has become so much a part of the culture that it's easy to buy into the message that debt is normal and necessary. That is not God's plan. God wants his people to be free of bondage to debt. The problem is that so many have dug themselves in so deep, that they can't a see way to escape.

Howard Dayton lays out an easy to follow road map that shows you how to master debt, and begin to save and invest to provide freedom. Freedom that allows you to manage your (actually God's) money in a way that can eliminate stress and have eternal value.

How to escape debt and invest wisely is intimidating for many people. This book is not intimidating. It is clear and simple in its approach. Its credibility comes from an author who has a long track record of helping people manage their finances. The biblical platform for the principles is timeless and effective. Free and Clear is a fine start for the basics of personal finance from God's perspective.

Average customer rating:

Boy, I'm glad I took notes on this man's course!

Debt-Free & Prosperous Living
John M. Cummuta
Manufacturer: Debt-FREE Prosperous Living, Inc.
ProductGroup: Book
Binding: Paperback
ASIN: 1883113156

Product Description

The basic course.

Customer Reviews:

Boy, I'm glad I took notes on this man's course!.......2005-05-27

I almost didn't consider a review, but in my online search for info about Mr. John Cummuta, I found this link & recalled I could submit a review, and felt the obligation; I ordered his course, so I am guessing that this book here is in the course -or is very similar to it: So my review of his course will give you an idea of how the book is. (I did online research to see what was up with his course and if I should return it & get my money back or keep it.)

Anyhow, some "oldie but goodie" ideas include the simple but reliable adage to NOT be in debt. Mr. Cummuta tells the reader (or listener in my case; I had CD's) early on that you gotta cut up that credit card. He makes his case well, and as a person who has used credit cards successfully for many years, in college and since, I say from experience: He is right. Most of the time, I had not problems with using my credit card, but recently some emergencies have pushed my balance up to about 5,000 dollars, and let me tell you: The interest of about $50.oo per month is eating me up because (as I'm sure you know) you don't pay on the principal owed until AFTER you've paid that interest.

Suffice it to say that he is right. After he makes his case, he casually mentions another wise man, Solomon, the author of Proverbs, whose proverbs caution the reader to NOT be in debt. (Yes, I was surprised to here him quote the Bible, even as a person who believes in it, but he is right, and he is careful to acknowledge that some people might have different religious beliefs. He is careful to not offend the reader, but merely offer this as supplemental info for the curious; He does well here!)

The elimination of credit card debt is not the only thing he has to offer, but there were new things in his packet (which may or may not be in this particular book; I don't know). He lists four (4) different ways to supplement your income, and is careful to admit that these are NOT "get rich quick" methods. The four he lists are: #1, An intro to e-bay and online auctions; #2, buying & renting residential real estate (the "landlord" thing); #3, Creating & marketing information products; and, #4, Online affiliate marketing business (that is, click-able referrers on your website).

Those were a refreshing addition which stimulated my imagination, but the **main** focus he makes is to pay off your debts in a "logical" fashion, prioritizing the "most important" debt first. He shows the reader how you divide the balance by the minimum payment that the creditor sets, and you get this figure for each debt, that tells you which one is a priority. I think that the smaller the balance in comparison to the payment, the easier it is to pay off, and should be prioritized, with the other debts receiving the "minimum monthly" payment. This is "logical" because the "spare cash" you'd have after that debt is paid can go to the other debts.

He also has a laundry list of tips to cut corners, and some of them are good, like getting a used car, which would cost much less yet be still almost as good as a new one. I think (but don't recall) that he advocates using a clothing line instead of a dryer, still a good idea.

One of his strengths is knowing when add-ons to your insurance are good, and makes the case that a higher deductible is not unsafe, because the insurance company would NOT insure you if THEY thought you were a risk, and he suggests you trust the insurance company, as it is comprised of experts. (John surprised me with his attention to detail: He correctly points out that using spare money to pay off debt is better than investing it, due to the comparison between the two interest rates!)

Well, they offered a money back guarantee, and I strained my brain listening to this guy's CD's. He sure can talk, and talk, and talk, and he makes sense, so his book is probably not bad.

All in all, since I knew some of this stuff and took notes on the rest, I feel that I don't need his course, but he is "old school," and will guide you right if you need to get out of debt. My online research confirms my feelings that he is trustable.

Although I am returning his course to get my money back, I nonetheless recommend it for you because his ethics are HONEST: His methods is based on the premise that you don't get something for nothing. When he suggests that you put your credit card in water, and then freeze it, to eliminate "impulse" usage (except for emergencies), you will know what I mean: If you don't get his book or course and are still in debt, don't blame Gordon Wayne Watts of Lakeland, Florida, USA -because he has told you -as one who has experience in credit cards -both good and bad experiences.

My review is meant to be helpful, and I sign with my real name to show I'm not some paid advertisement hack. Even though I'm returning it, I am VERY grateful that I was able to review it (and take good notes). Since I am eager to pour over my notes, this is a good indication that my "5-star" review is accurate: Yes, I highly recommend the John C. Cummuta book.

Gordon Wayne Watts, Lakeland, Florida, USA

The Debt-Free and Prosperous Living Basic Course/Book&4 Cassettes

Average customer rating:

Clear Cut and No Nonsense

The Debt-Free and Prosperous Living Basic Course/Book&4 Cassettes
John M. Commuta
Manufacturer: Debt-Free & Prosperous Living, Incorporated
ProductGroup: Book
Binding: Paperback

General | Personal Finance | Business & Investing | Subjects | Books

All Titles | Qualifying Textbooks - Fall 2007 | Stores | Books

Business & Investing | Qualifying Textbooks - Fall 2007 | Stores | Books
Similar Items:

Are You Being Seduced into Debt?: Break Free and Build a Financially Secure Future
Debt Elimination 101
The Budget Kit: The Common Cents Money Management Workbook (Budget Kit)

ASIN: 1883113075

Customer Reviews:

Clear Cut and No Nonsense.......2006-10-28

I had gotten the cassette tape program without the book years back, so this package has the addition of the book. Easy to follow and understand, he even presents a very good argument for paying off your mortgage (he explains that the tax incentive isn't really worth it and backs it up with figures).

He presents a simple formula to start eliminating debt and is very down-to-earth in his presentation and logic.

Bestselling Book & 2 CDs for Christian Success **** Book Positive Prayer CD + Verses of Victory CD to Help You Achieve Your Purpose and Live in Total Victory

Average customer rating:

Bestselling Book & 2 CDs for Christian Success **** Book Positive Prayer CD + Verses of Victory CD to Help You Achieve Your Purpose and Live in Total Victory
Dr Jerry Fowler
Manufacturer: Positive Prayers Publishing
ProductGroup: Book
Binding: Audio CD

General | Religion & Spirituality | Subjects | Books

General | Christianity | Religion & Spirituality | Subjects | Books

Product Description

You will get the #1 Best-Selling Book and BOTH accompanying CDs for Christian Success. The Booklet will teach you the 7 Keys for Christian Success. You can reach your Goals & Dreams with Gods help! Learn the secrets to Praying Powerfully and getting Answers to YOUR Prayers. Positive Affirmation Prayers are Faith-Filled, Biblical, and focused on Solutions! Learn to speak and Pray the best of Gods Bible Promises. Positive Affirmations and Inspirational Prayer for your Spiritual, Financial, and Total Victory! The Verses of Victory CD has over 101 of the very Best of Gods Bible Promises for your every need. Learn to speak and pray Gods promises and Gods purpose for your life! Affirm and confess Gods words over all other opinions or circumstances! God has never broken, any promise He has spoken! Hearing and praying Gods word will fill you with FAITH and BELIEF. Jesus said, "All things are possible to those who believe!" Most people miss a prosperous life because they speak and pray wrong. This will transform your inner Self-Talk to become positive and encouraging. Inner Success = Outer Victory! Grow closer to Jesus and learn His will for your life by speaking His word! You can accomplish much more WITH God, than without Him. Being in unity with God, attracts His Favor and Blessings to you! Lots of Praise and Thanks in these Faith-Filled Prayers! Positive Prayers always keep God and Spiritual Blessings First! This Booklet and the CDs will reveal the 7 secrets that will bring you true Happiness and Blessings! * 100% guaranteed satisfaction on all products! * You will be blessed by this Booklet and the CDs! * These also make great Christian Inspirational Gifts!

Positive Prayers for Christian Success CD ** Affirmations and Inspirational Prayers for Your Total Victory!

Average customer rating:

Positive Affirmation Prayers will absolutely work for you!

Positive Prayers for Christian Success CD ** Affirmations and Inspirational Prayers for Your Total Victory!
Dr. Jerry Fowler
ProductGroup: Book
Binding: Audio CD

General | Religion & Spirituality | Subjects | Books

General | Christianity | Religion & Spirituality | Subjects | Books

Self-Esteem Affirmations
101 Power Thoughts
Receiving Prosperity
Law of Attraction: The Science of Attracting More of What You Want and Less of What You Don't

ASIN: B000NUJ454

Product Description

This CD has over 101 of the Best Positive Affirmations & Inspirational Prayers for you to live in total victory! * Positive Prayers are faith-filled, biblical, and focused on solutions! * Learn to Pray Gods Word! These Christian Prayers speak and Pray the best of Gods Bible Promises for your life! * Affirm and confess Gods words over all other opinions or circumstances! * Jesus is bigger than any obstacle you face! Praise, thank, and focus on Jesus! Receive His many blessings! * Listening to Positive Prayers CDs every day will teach you to pray Gods word and His will. Praying Gods word is the most Powerful way to Pray! * Achieve your Goals, Dreams, and Purpose! With God all things are possible in your life! * These Confessions will build your faith (a big key to answered prayer)! * Accomplish much more WITH God, than without Him. Unity with God, attracts His Favor and Blessings to you! * Build Self-Esteem with positive and encouraging "Self-Talk" (Inner Success = Outer Victory)! * This CD is spoken over peaceful & relaxing background music! * 100% guaranteed satisfaction on all products! * Discounts in our Amazon store on multiple item purchases * You will be blessed by Positive Prayers CDs! * Our CDs make great Christian Inspirational Gifts!

Customer Reviews:

Positive Affirmation Prayers will absolutely work for you!.......2007-09-10

This CD reinforces "The 7 Keys for Christian Success" that has helped millions of people overcome and get Victory!

Get ready to be blessed as you learn to Speak & Pray the best of God's Bible Promises. Affirmations are the leading way to get Victory! Praying God's Word and His will is the most powerful way to pray!

We are excited about the many testimonies and "Success Stories" that we are receiving from people who are listening to Positive Affirmation Prayers and Bible Verses of Victory! Our CDs are Positive, Encouraging, and Inspirational, and they will work for you!

We want to help you:
* Grow closer to Jesus!
* Pray God's Word and His will!
* Stay encouraged with God's Bible Promises!
* Be filled with Faith to accomplish your Purpose!
* Learn to attract God's many blessings!
* Live in Total Victory in every area of your life!

We can do much more WITH God, than without Him. People are limited in their own power. God is unlimited. When we are in unity with God through prayer, all things are possible in our lives!

Jesus is BIGGER than any obstacle you face! Jesus said, "Ask, and it shall be given you." When prayers go up, blessings come down. With God's help, you can overcome all obstacles and get your prayers answered!

This CD will help you Succeed & get total Victory!

The Complete Guide to Managing Your Money: Your Finances in Changing Times : Using Your Money Wisely : Debt-Free Living

Average customer rating:

Very practical and sound advice from a biblical perspective

The Complete Guide to Managing Your Money: Your Finances in Changing Times : Using Your Money Wisely : Debt-Free Living
Larry Burkett
Manufacturer: BBS Publishing Corporation
ProductGroup: Book
Binding: Hardcover

Money & Values | Personal Finance | Business & Investing | Subjects | Books
Similar Items:

Generous Living
Money Matters: Answers To Your Financial Questions
Financial Planning Workbook: A Family budgeting Guide (Christian Financial Concepts Series)
How to Achieve Absolute Financial Freedom
The World's Easiest Guide to Finances

ASIN: 0884861325

Customer Reviews:

Very practical and sound advice from a biblical perspective.......2000-06-07

I found this book to be VERY good! It strongly incorporates biblical principles of stewardship and money-management into practical everyday advice. Burkett does an excellent job of being working from a basic premise to a more in-depth description and explanation of various topics. I would highly recommend this book to people new to money management as well as the experienced manager.

Lost principles: The power, virtue and freedom of debt-free living

Average customer rating:

Lost principles: The power, virtue and freedom of debt-free living
Jeffrey Dale Hair
Manufacturer: WonderWorks Pub
ProductGroup: Book
Binding: Unknown Binding

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