Amazon.com
Millions of consumers have become trapped in a spiral of debt, but there is hope. If you wants to free yourself from the shackles of debt, this book is for you--it can help you "get out of debt, stay out of debt, and live prosperously." Jerrold Mundis writes in a friendly, engaging style, urging readers to stop the cycle of spending. Mundis knows what he's talking about--he, too, was once thousands of dollars in debt and didn't know where to turn. Anecdotes from Debtors Anonymous folks, plus multiple examples from the writer's own life and ledgers, make How to Get Out of Debt an encouraging read, not a condescending one. Once you start your program, you may want to periodically reread some chapters for inspiration--and fun.
Book Description
Out of the red...
Do this month's bills pile up before you're paid last month's?
Do you regularly receive past-due notices?
Do you get letters threatening legal action if immediate payment is not made?
Do the total amounts on your revolving charge accounts keep steadily rising?
Into the black...
Whether you are currently in debt or fear you're falling into debt, you are not alone. Forty million Americans--from doctors to secretaries, from executives to the unemployed--face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You'll learn:
How to recognize the warning signs of serious debt.
How to negotiate with angry creditors, collection agencies, and the IRS.
How to design a realistic and painless pay-back schedule.
How to identify your spending "blind spots."
How to cope with the anxiety and daily pressures of owing money.
Plus the three cardinal rules for staying out of debt forever and much more!
This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the Debtors Anonymous program.
Customer Reviews:
Easy and thoughtful way to clear your debt and free your life.......2007-09-29
What I liked best about this book is that it's real. It doesn't sugar-coat the frustration and even embarrasment that you can feel when you find yourself 30,000 or more in debt. But it doesn't simply rub your hand and tell you to "manifest" prosperity either. Frankly, putting too much energy into the law of attraction is likely how we get ourselves into all this debt - trying to be like "everyone" else.
I digress.
The book puts out some straightforward steps for you to follow. Follow them and you'll eventually get out of debt. Not tomorrow. And without having to pay some userer for "debt consolidation counseling" either. But it's work.
I liken it to losing weight - you have to change you're whole mindset and make small, positive changes every day in order to acheive your goal. The same principles apply here. Make changes every day. Don't debt any more and follow the plan. No magic bullet - but haven't you realized they don't work anyway?
LIVING PROOF.......2007-09-01
Just 6 years ago (2001), I found myself under crushing student loan and credit card debt. You would be blown away by how much debt I'd amassed. I'd lost my job and the creditors were calling. My life quickly fell apart. I was depressed, anxious and mentally paralyzed, not knowing how to take back control. Creditors were calling every five minutes it seemed, yelling at me, threatening me. I was broke, and broken-hearted at where things were in my life. I even had to move back in with my parents which was humiliating. I read a lot of books on finances and two of them made all the difference in the world, "How to Get Out of Debt, Stay Out of Debt and Live Prosperously," and "Rich Dad Poor Dad." "Rich Dad" was about concepts and changing the paradigm of how I looked at money. "How to Get Out of Debt" was very, very specific with HOW to get out of debt and GET RICH SLOWLY. Reading "How to Get Out of Debt" was like my first day of sobriety. I had no idea that I even had this debting habit, as dumb as that may sound. I was reading the book, going "wow--that's me!" I applied the BACK TO BLACK principles, day by day, month by month, year by year. And now, 6 years later, I celebrate my first full year of ownership in my first home--which seemed an impossible dream just two years ago. I own my car outright. I have zero credit card debt. And my overall student loan debt has been reduced by at least 40%. I pay cash that I've saved for things that I need. I PAY MYSELF FIRST! (this is a key principle in both books). And believe it or not, I haven't had a credit card in about 10 years now--I use a Visa checkcard. Without a credit card I've traveled to Europe, Mexico and Central America, rented cars, and paid for emergencies. And I don't live impoverished. I just live within my means, and pay cash with money saved. It's a complete myth that you need a credit card to survive. This book helped me to understand that. It was also very specific as to what happens if a creditor takes you to court or ruins your credit, which are probably the two biggest threats they have over you. Knowledge made all those things less scary. Ultimately, I would say this book is about how to replace unhealthy money habits with healthier ones. If this book cost $1,000, it would still be worth it. At $10, it's a blessing.
Please read, it will teach you how to help yourself.......2007-07-17
If you are like me and you are trying to pay your bils and debts in a responsible and timely manner..this book is for you. I have read some of the other " financial authors" out there and I always felt lost and that there advice was just out of my needs..this book was right on. After I followed the spending plan record ( Wow, do you honestly want to know what you are spending, this will open your eyes) and wrote all my debts down in black and white, I feel that I can tackle all my money issues in a clear and concise manner.
After following this plan, I am now ready to move on to retirement planning, college savings, etc. If you are trying to get through today so you can get to tomorrow, this financial guide is for you.
Get Out of the Red and Into the Black.......2007-07-03
Plain and simple, How to Get Out of Debt, Stay Out of Debt & Live Prosperously is one of the best contributions to the personal finance realm. Why do I say that? Because, in no uncertain terms, it addresses circumstances that most people in our society find themselves - deep in debt, digging deeper, and dealing, in silent desperation, with the repercussions.
In an era where consumers often finance their lifestyles with credit cards, use their homes like ATM machines, and, ultimately, make consumer credit counseling a booming business, Jerrold Mundis explains how our emotions and habitual thinking have put, and kept, many of us on the path to financial ruin.
The genius of this book, however, is its backbone: the principles of Debtors Anonymous. Though we may hate to think of it, habits of a lifetime do take work to change, ignoring does Madison Avenue take emotional strength, and dealing with the issues debt often engenders can be really tough. But, this book offers hope, and support, to those who heed its message.
Bottom line: no matter where how deep in debt you are, there is a way out if you keep your head and keep moving forward. And, Mundis can help you do it, if you follow his three cardinal rules: 1) don't debt one day at a time, 2) Keep a spending record scrupulously, and 3) adhere closely to your spending plan.
All in all, How to Get Out of Debt, Stay Out of Debt & live Prosperously can be one of the best additions to your financial library, whether you are in drowning in debt or not.
Only for people in serious debt with no knowledge of finances.......2007-06-21
For my situation, this book was too rudimentary. I was looking for something that would give me startegies on how to payoff debt quicker. This book is not really about ways to payoff debt. It is more about learning how to spend less and seemed to be more of an advertisement for Debtors Anonymous. Things like "Try to go one day without using your credit card"... not for me. If you're in really bad shape and spend and spend without any way to stop then seek professional help, don't rely on this book. If you're like me and just looking for ways to reduce your outstanding debt quicker, look elsewhere, this is not the book for you.
Book Description
Free Yourself from the Debt Trap!
Living beyond our means and financing unaffordable lifestyles on the back of credit cards has become synonymous with American consumer culture. Some consumers feel the nagging beginnings of problems, while others are nearly imprisoned by debt. No matter what your situation is, debt issues will drain you mentally, emotionally, physically, and financially. If you're one of the tens of thousands of consumers who feels your debt might be out of control, here is help from someone who has walked the same road.
Customer Reviews:
This is already helping me so much!.......2007-09-01
This workbook is so practical and easy to use! I am in signicant debt but didn't want to pursue debt settlement or bankruptcy. This helps you get organized and pay down your debt by yourself. I've used the tips and suggestions to get my budget under control, I've started to pay down some debt and my Fico score has already improved! Deborah McNaughton shares personal and professional experiences that validates her suggestions. I highly recommend this book to anyone who wants to get their debt situation under control!
Book Description
No Matter Where You Start, David Bach Can Help You Live and Finish Rich
With his national bestsellers Smart Women Finish Rich and Smart Couples Finish Rich, renowned financial advisor and educator David Bach has taught millions of people of all ages and incomes how to take control of their financial future. His message, that the key to building wealth is “values first, stuff second,” has inspired people all over the world. Now, The Finish Rich Workbook gives couples and singles alike a new opportunity to tailor his advice for their individual circumstances. Combining the down-to-earth, jargon-free approach that has made him so popular with the hands-on practicality of a workbook, this new addition to the Finish Rich series is like having a one-on-one session with David Bach. You will learn how to:
• Use the power of the Latte Factor™, David Bach’s international recognized approach to building wealth on a few dollars a day.
• Apply the Debt Free SolutionTM, a powerful way to reduce debt quickly and repair your credit in the process.
• Organize your financial life in minutes with the FinishRich Inventory Planner™ and File Folder system, including a pull-out summary of where you stand financially.
• Craft a personalized FinishRich QuickStart™ plan–a to-do list for today, this month, and this year, so you can get started right away.
• Find the perfect financial advisor by using the FinishRich Advisor Questionaire™ to find, interview, screen, and score an advisor before you hire them.
Whether you’re working with a few dollars a week or quite a bit more, Bach’s nine-step program will help you put the Finish Rich wisdom right to work for you.
Customer Reviews:
FInish Rich Workbook.......2007-08-23
I love the entire series of Finish Rich books. This is my 3rd book I have bought. I just got married and wanted to include my husband in my plan. He is much older and ready to retire. I of course am not. We can now work together for our future. Its taken a little longer than I have planned but can not wait to put all of our things in order.
Super a 1 Job.......2007-05-21
Great Service and quick - I'll definitely but again
Microsoft oriented and outdate........2007-01-09
This was a good book when released even though it was so Microsoft oriented.
Finish Rich Workbook.......2005-08-02
Just started this workbook so far so good. This is an awesome book and I am just in the beginning stages of the book
If you don't need to be motivated, just told what to do, BUY.......2005-05-23
I did not buy the book, read the book, or know anything about the book until well after I was done with the WORKBOOK. The only thing I was interested in was saving more money and making my money, which is lazy my nature, work harder for me. 11 months later: An IRA, 401k, "rainy day fund", started saving for a house, and just over 10 thousand dollars of credit card debt GONE! If there is a book, I would imagine it wouldn't be as useful as the workbook, since the workbook basically tells you exactly what to do to start "finishing rich".
After reading a few other personal finance books (ie. quadrants, and rich dad stuff), I was disappointed in the fact that those books didn't actually instruct you on what to do, more than give you the ideas and philosophy to do things. I DID NOT need motivation, I needed a step-by-step plan to follow, and this book did just that.
I found the Automatic millionaire workbook a good tool for learning to make things more automatic (automate your bills and such, no more writing checks)but the "Finish Rich Workbook" is really the only, and best, tool you need to get started making a better life for yourself--without having to increase your income or live on noodles and government cheese.
Book Description
In need of a Money Makeover? Let America's most popular cheapskate show you how to go from financial chaos to freedom and security--painlessly and in less time than you ever imagined. Mary Hunt has helped thousands live a debt-free life with her popular newsletter, "The Cheapskate Monthly." In The Complete Cheapskate, Mary puts all the very best money advice she has in one place. Becoming a classy, dignified cheapskate is not all that difficult, and Mary shows how with her user-friendly principles of saving, restraint, and living debt-free. This book will teach you how to: Create--and stick to--a monthly spending plan Live well off 80% of your income Climb out--and stay out--of debt's hole Stretch every dollar to its absolute maximum Manage savings and investments Lower bills on clothes, food, and gifts without lowering living standards Live within a financial plan that includes a margin for fun and spontaneityWith hundreds of tips on cutting expenses, The Complete Cheapskate is the indispensable guide for people ready to regain control of their finances, relieve the stress money has created, and prepare for their future.
Customer Reviews:
Very useful.......2007-01-21
Loved this book. So many practical ideas for getting out of debt. Especially her rapid debt repayment plan. I appreciated Mary Hunt's inspirational story for motivation. It's a very useful book!
Very impressed with the tips in this book.......2006-11-17
This is a great primer for those getting started on a path to living debt-free, living on one income, or just trying to be fiscally responsible. Hunt talks about attitudes about money that can be helpful to take on, strategies for thinking about and reducing your debt, and lists a number of weighty cheapskate tips that I found very helpful.
The only odd thing about this book is that it mentions God a number of times and suggests titheing and other activities and attitudes that have to do with God, yet it does not mention God or Christianity anywhere on the front or back cover - I don't know why. I am not a Christian and so I just skipped over these parts, but I would have liked to know that I was reading a book based on Christian beliefs before I bought it, since it wasn't just the odd mention.
Other than that surprise, this is a book I'd recommend to those new to frugality.
Practical guide to gaining control over your finances.......2006-03-27
The tile of this book is somewhat misleading - The Complete Cheapskate is not really about how to be "cheap" or get the best deal on something. In fact, the book's subtitle describes much more accurately what it is really about: "How to Get Out of Debt, Stay Out, and Break Free from Money Worries Forever!" In short, The Complete Cheapskate is a concise and down-to-earth guide to getting out of debt and getting one's finances in order.
Speaking from her personal experience, Mary Hunt describes the struggle with debt that she had gone through. Even though it was a difficult time for her and her family, she was able to overcome it and learned a lot in the process. Since then, she has dedicated her career to helping people in similar situations overcome their dependence on material things and get their financial lives on track. This book outlines her step-by-step process for getting control over one's finances.
It all begins with developing the right attitude towards money and spending, and being committed to this new financial journey. Then comes the hard part: getting a realistic assessment of your debt situation and begin taking some basic steps to get out of it. After that, Mary tackles subjects ranging from Giving, to Saving, to starting a "Freedom Account" (a powerful concept that, once applied, will help you always be prepared for any unexpected expenses, as well as save for some fun things). She then helps you figure out how to live within your means by using some basic budgeting, and offers a long list of money-saving tips in a separate chapter. Once you have committed to getting out of debt and taking control over your finances, Mary's system is easy to apply. She outlines very specific steps and given gives you examples of worksheets that you can put together (either with Excel or pen and paper), so that it's easy to manage and does not require much time - until after a while, it becomes your second nature. The bottom line is, this system works, provided there is commitment and strong desire to change.
I can speak from personal experience that I have used many of Mary's principles to get a handle on my financial situation. Even though I have both undergraduate and graduate degrees in Finance, I needed some help tackling my spending habits and large amounts of student debt. I began my journey towards financial freedom almost nine months ago, having read Dave Ramsey's book. While I came across Mary's writings only relatively recently, I saw a lot of similarities in the overall approach and philosophy - and I have already taken several of her concepts and tools and incorporated them into my personal financial management process.
The Complete Cheapskate is a short book. The actual content is only 169 pages (including about 35 pages of money-saving ideas); the rest of the book (another 60-some pages) contains some of "The Best of Cheapskate Monthly Articles" and some more money-saving ideas (suggested by readers of Mary's column). I didn't find these additional materials quite as engaging as the rest of her book - mostly because they seem neither complete in themselves nor do they fit with the overall narrative. It seems that they were thrown into the book almost as an afterthought, just to bulk up the content.
Overall, I would recommend reading this book to someone who is struggling with debt and cannot see a clear way out. Even if you've already read other books on the subject, it may just be that this is the one that will make it all "click" for you. I would also recommend it as a useful reading for someone who is not in debt (yet), but who would like to know how to avoid it in the future. It is both a cautionary tale and a user's manual to one's finances, and its common-sense approach can be applied by almost anyone. The best thing is, it's a quick read and can be easily put into practice, even if you just rent it from the library (like I did). This way, you will already be on your way to becoming a "cheapskate". (Sorry, Amazon!)
Very helpful tools.......2006-02-01
I found that this book has very helpful tools to manage money. Some of the ideas aren't applicable to my situation, but overall the ideas were good ones and the samples of the spreadsheets were useful. A lot of it is common knowledge, but it helps you to implement the changes in a way that works for you.
A well-defined plan of action..........2005-08-10
This book provides a well-defined plan of action that is very doable. From her own experience, Ms. Hunt has proven the effectiveness of her plan. It is also nice to see a "how-to" book written by someone that has "walked the walk" before she "talked the talk."
This is the second book of Ms. Hunt's that I have purchased, however, I have discovered that each of her books pretty much contains the same information.
Average customer rating:
- 20 Years, $1,000 a month, 12% interest, yields $999,999
- Not Too Bad
- Worth the price, and more
- ONLY COMMON SENSE
- inspiring
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Debt No More: How to Get Totally Out of Debt Including Your Mortgage
Carolyn J. White
Manufacturer: Clifton House Pubsg, LLC
ProductGroup: Book
Binding: Paperback
 Public Finance
| Economics
| Business & Investing
| Subjects
| Books
Budgeting & Money Management
| Personal Finance
| Business & Investing
| Subjects
| Books
Credit Ratings & Repair
| Personal Finance
| Business & Investing
| Subjects
| Books
General
| Personal Finance
| Business & Investing
| Subjects
| Books
ASIN: 0966165152 |
Book Description
The first complete personal money management guide dedicated solely to debt elimination.
• Contains the financial forms necessary to take the reader's life back from creditors.
Customer Reviews:
20 Years, $1,000 a month, 12% interest, yields $999,999.......2007-06-19
"You can pay off your debts and your mortgage in 5-10 years." During the next five to ten years, you will need to stop spending and make the decision to have "No more debt". Emotionally ignite yourself and believe you can be debt free. You will need to get each member of the family to believe in the vision of debt free and help encourage them to accomplish this goal by rewarding them to stop wasting money and buying at a discount. Be a contratrian moving against the trend, "the more we make, the more we spend" and transform it too "the more we make, the more we invest." 9% of the population will retire with an income of 50k. Make it a goal to own your car and home. Typically, once your income stops, you have 90 days before the bank wants to foreclose. Suppose a home cost 165k for the initial purchase and the borrower of the loan makes 17 years of payments totalling 165k then loses his job and is forced into bankruptcy and foreclosure proceedings. The bank ignores the fact that the borrower has made 165k worth of payments, eliminates most of the equity in the home by offering "auction prices", takes possession of the home, and resells it for a profit. The bank wins through the monthly interest/principal payments and the resell and financing of the home to a new borrower. The author lost her home worth $1.4 million, 14,000 sq ft, and received $5k. She became angry and decided too become debt free.
What is the bottom line? Suppose 45 years of income with a total income of $2,250,000, Less Total Taxes Paid of $1,187,685, Less Mortgage and Interest $315,929, Less Automobile costs - $615,929, leaves $416,386 of money for your family. After 45 years of work you have $416,386 left less other expenses, such as, medical & dental, insurance, food and clothing, utilities, furniture, gifts, and vacation/entertainment, school and college, investment for retirement, child car, and repair on home & auto. Most people retire with less than 100k.
Break the chain of debt: 1. Get rid of credit card debt. For each dollar paid it will cost $4 to repay and 20 years. CC debt and medical emergencies are the number one destroyer of middle class wealth and stablity. 2. Don't buy new. Offer $500 above dealer trade in value for a car. Let friends and relatives know you will be interested in buying their car when they are ready to trade up. Automobile leasing is a cash drain and only makes sense for businesses which can take a tax credit. 3. Insure for 5-7 times your income. The rule of thumb for Insurance is "raise your deductibles" according to risk. 4. Make future payments on your mortgage. Here is where I disagree. Invest your money and then payoff your mortgage with the investments in one swoop. Let the money work for you outside the banking system. 5. Eliminate unnecessary spending and invest the money. Be a predator on spending waste. 6. Increase your income: 1. get a second job 2. create a business, turn your hobby into a money making venture. 3. sell cars, have yard sells, liquidate excessive items 4. reduce eating out and costly recreation/entertainment. 5. Stop impulsive spending - Stay away from bargain sales and marketing media. 6. Put a chart on your refrigator that tracks all the spending. Implement an family open books policy that shows where all the expenses when. Let family members provide feedback and ideas to improve the financial health of the family. Let family member critique the expense ledgers. Make the decision of overcome the spending temptation. 7. Become a thrift spender: buy older cars, clip coupons, attend auctions, look for things at yard sales, buy wholesale, join discount buying organizations, shop at consignment shops, buy only at end-of-season, and buy discount travel.
Other resources: Money Harmony: Resolving Money conflicts in Your Life; Overcoming Overspending, A winning plan for spenders; The money Drunk; 1001 ways to cut your expenses; Great buys for People over 50; Penny Pinching: How to Lower your Everyday Expenses without Lower your Standard of Living; The underground shopper; The Wholesale-by-Mail Catalog; Wholesale Guide to Buying Furniture.
"If it's going to be, its up to me". "The choice is yours!"
Not Too Bad.......2004-01-18
This book isn't too bad. It doesn't cover anything revolutionary, but it does a good job of covering some of the basics of getting out of debt. It's an easy read and goes fairly quick. If you want to read it I'd suggest picking it up at the library rather than buying it. One pitfall it does have is that the author could have left her anti-government and political propaganda out of it, that was a bit annoying.
Worth the price, and more.......2000-04-02
Contrary to the preceding opinion from Alabama, this book is a good buy. It tells how to get rid of all your debt in the shortest possible timeframe, saving thousands, if not hundreds of thousands of dollars. It even gives a few examples of ways to decrease expenses so that you can use the difference to accelerate repayment of your debts. Following the advice in the book, I expect to be completely out of debt (over $140k, including the mortgage) within 5 years and expect to retire (comfortably) at least seven years earlier than I had anticipated. (P.S. -- I don't make six figures and have a young child.)
The only thing I would change is that the author tells you where to go to find the "best" credit cards. Is there really such a thing? Getting another credit card will, over time, put far too many people back to square one. If you keep in mind that if you can't buy something for cash, that means you can't afford it -- this book can take you the rest of the way.
If you think this book is useless you're probably looking for an easy way out of debt (expecting an inheritance?).
ONLY COMMON SENSE.......2000-02-22
THIS BOOK COVERS MATERIAL ALREADY KNOWN TO ALL READERS OVER THE AGE OF 16. DOES NOT FORMULATE OR DISCUSS ANY PRATICAL PLAN FOR DEBT REDUCTION
inspiring.......1999-09-28
I have read many books about getting out of debt. Most of them have approx the same theories. I gathered two valuable pieces of information from this book. The first one was about how to go about paying off the mortgage and the second was how to prioritize your credit card bills to pay off. Inspiring!
Average customer rating:
- Fantastic Guideline on How to Get out of Debt!
- Got Debt? Get This...
- A Must Read If You're Caught In The Trap
- Great Book
- "This is a must read...that will empower readers to reevaluate their spending habits."
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How to Get Out of Debt: Get an a Credit Rating for Free Using the System I've Used Successfully With Thousands of Clients
Harrine Freeman
Manufacturer: Adept Publishers
ProductGroup: Book
Binding: Paperback
Budgeting & Money Management
| Personal Finance
| Business & Investing
| Subjects
| Books
Credit Ratings & Repair
| Personal Finance
| Business & Investing
| Subjects
| Books
General
| Personal Finance
| Business & Investing
| Subjects
| Books
ASIN: 1933949430
Release Date: 2006-12-15 |
Customer Reviews:
Fantastic Guideline on How to Get out of Debt!.......2007-09-28
This is a fantastic guideline on how to get out of debt...it tells you the reasons why you allowed yourself to create your bad debt and explains the necessary steps to take to get out of debt, starting with calling your creditors and working out a payment plan, to creating and sticking to your budget.
Thanks Harrine for this informative read!
Got Debt? Get This..........2007-07-03
Will that be cash, check or charge? We have all heard those words as we step to the cashier. But how many of us pay cash for everything? Not many seeing that over 30 million Americans are in debt. Freeman has written an easy to follow guide to becoming debt-free and getting an "A+" credit score.
The chapters discuss everything you need to turn your credit situation around. How to recognize the warning signs of bad credit, getting on track after bankruptcy, repairing your credit, improving your credit rating and surviving identity theft are all fully explained with suggestions on how to go about turning things around. Freeman includes examples of letters to send to creditors explaining late payments, reducing your interest, and how to stop junk mail. There are also samples of budgets, how to calculate your spending levels and ideas on cutting back in order to pay off your total debt.
HOW TO GET OUT OF DEBT is an outstanding tool that can be used to restore your credit. Every person needs to read and understand this information before graduating from high school. Parents have to stand tall on discussions concerning finances so that our children don't perpetrate the current financial travesty going on in America. So buy this book for yourself, friends, church, youth group and community organization, your financial independence depends on lessons taught in its pages.
Deltareviewer
Reviewing for Real Page Turners
A Must Read If You're Caught In The Trap.......2007-05-15
Harrine has written a wonderful book that will help you get out of the credit trap. Her down-to-earth writing style and common sense strategies are useful and effective for anyone who needs help in re-building their credit. A great book, a great resource, and a lifeboat for many people. Two big thumbs up!
Great Book.......2007-05-10
I think this book is a terrific resource for credit repair. I have just gone through many of the processes outlined and it was extremely useful to me.
"This is a must read...that will empower readers to reevaluate their spending habits.".......2007-03-11
"How to Get Out of Debt: Get an "A" Credit Rating for Free Using the System I've Used Successfully with Thousands of Clients is an insightful read that provides great information that all people should know."
"This book uses terms that are easy to comprehend and provides essential steps to learning about your credit history and how to reestablish your credit."
"This is a must read. A book that will empower readers to reevaluate their spending habits and become focused on securing their financial future."
Product Description
Operate 100% on cash, and never need credit again. Get completely out of debt, including your mortgage. Safely and quickly build wealth, and live off interest. CD version.
Book Description
Credit applications are a dime a dozen. Unfortunately, the easy access to credit has led many into deep debt without any idea on how to get out. Debt-Free Living has the solution. This updated bestseller now comes with the Snap-Shot God CD-ROM, a powerful tool that creates a customized plan to help anyone get out of debt.
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.
Book Description
The average American college student owes about $17,000 in loans after graduation. Quadruple that amount for the average grad school graduate. An estimated seven million Americans have accumulated nearly $81 billion in student loan debt over the past 30 years. Not all of these borrowers are fresh out of college; many are in their late 20s, 30s, and even 40s. Indeed, the amount of student loan debt facing Americans is pervasive, if not problematic.
Fortunately, a number of creative ways exist to pay off this financial burden that, for many, goes on for years and years. In Free Yourself from Student Loan Debt, business writer Brian O'Connell outlines the best ways to do just that-as quickly and painlessly as possible. He guides readers through often over-looked but perfectly legitimate loan management techniques, including how to:
* ""Consolidate"" loans for easier (and lower) payments.
* Defer loans with no penalty.
* Take a ""break"" from student loans through a mechanism called forbearance.
* Get out of default status by making as few as six minimum payments.
* Fix problems that result when a loan isn't paid, with no lasting impact on credit or finances.
* Convince financial institutions to ""forgive"" loans.
* Fight the government and financial institutions that claim student loan debts weren't paid years after they were.
With wit and wisdom, O'Connell backs up his guidance with case histories, anecdotes, information boxes, sidebars, and colorful industry profiles-all packaged together in one lively, user-friendly book. As a bonus, he offers 50 surefire tips to eliminating student loan debt.
Customer Reviews:
Every family needs this book.......2006-06-29
This is one of those marvelous books that schools should send home with kids so parents have a fighting chance to get their kids into a good school AND afford to keep them there. Easy to follow advice is there on every page. I recommend this to any family who has a kid coming of college age.
For the Green with the Green only.......2004-06-10
If you are unfamiliar with student loans and are not finance savvy then this book will help you. If you already have a student loan and know your way around this book doesn't have anything to offer. In one section it teaches you how to create a budget. That's fine for a kid fresh out of school but I am having trouble with an old student loan and this book had even LESS information than the student loan website !!!
Here is good advice... if your having trouble with your loan - call them they will help you, but dont waste the money for this book.
Product Description
Includes all the information you need to get completely out of debt - including your home mortgage - and ultimately retire a debt-free millionaire, living comfortably on your investment dividends.
Books:
- How to Get Out of Debt, Stay Out of Debt, and Live Prosperously
- How to Pick Stocks Like Warren Buffett: Profiting from the Bargain Hunting Strategies of the World's Greatest Value Investor
- Jim Cramer's Real Money: Sane Investing in an Insane World
- Make Money Teaching Online: How to Land Your First Academic Job, Build Credibility, and Earn a Six-Figure Salary
- Managing a Consumer Lending Business
- Managing a Consumer Lending Business
- Managing a Consumer Lending Business
- Managing a Consumer Lending Business
- Managing a Consumer Lending Business
- Martin Pring's Introduction to Technical Analysis: A CD-ROM Seminar and Workbook
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