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Advice on how to liberate yourself—and take control of your financial future—from the author of Confessions of a Credit Junkie. Winner of the American Society of Journalists and Authors Outstanding Book Award, Self-Help category If you’re in credit-card debt and you’re tired of being told that all you need to do is give up your daily latte—and cut up all your credit cards—this is the book for you. Former credit junkie Beverly Harzog racked up thousands in credit-card debt during a decade of overspending. When she decided she wanted to break free from debt, she found that conventional personal finance advice didn’t work for her. So she created her own unique debt escape plan and succeeded in paying off more than $20,000 in credit card debt in two years. In The Debt Escape Plan, you’ll find easy-to-follow advice, often laced with a touch of Southern humor, to help you conquer—and stay out of—credit-card debt. You’ll learn: Why a one-size-fits-all approach to credit card debt doesn’t work How to use the Money Personality Quiz to customize your own debt escape plan The nine biggest debt mistakes and how to overcome them Seven secrets for giving your credit score a quick boost How to overcome the hardships of medical bills How to debt-proof your future so this never happens to you again!
Are you fed up with the never-ending debt cycle? Do the recurring bills keep you up at night? It's time to free yourself from debt and move on towards a better, more financially independent future. Welcome to "The Ultimate Debt Escape Plan," where we will walk you through three easy steps to say goodbye to debt once and for all. People lost property, paid needless fines and penalties, lost assets, and filed for bankruptcy due to indebtedness. You definitely don't want to be in this situation. On this book, you will: Discover a tried-and-true strategy to attack all of your bills, large and little banks do not want you to know. No more trying to balance several bills or experiencing stress. You'll learn how to get going slowly, gain momentum, and see your debts start to fall off one by one. Learn how to regain control of your finances, say goodbye to those stressful debt-related worries, better sleep, and hello to a life of financial peace using a simple yet effective plan. Discover a secret method that will provide you a clear roadmap to becoming debt-free - your boss is gatekeeping you. It's not a vague promise; it's a step-by-step plan that leads you to financial freedom. Learn how to reduce the length of your debt payments so that you may break free from debt slavery much sooner and have more time to accumulate money. Don't let debt hold you back any longer. "The Ultimate Debt Escape Plan" is your ticket to a debt-free life. Take the first step towards financial freedom today! Join the people who've escaped debt. Your future of financial peace is just a click away. Get your copy now to start your debt-free journey now. Your brighter tomorrow awaits!
Why are 80% of Americans trapped in debt? Why don't they just get out of debt? Imagine what life would be like without the constant fear, stress and anxiety of unpaid bills and threat of eviction. You can have control over your financial situation and enjoy the freedom to plan your future, unhindered by your past. You don't need to live paycheck to paycheck, you can have a debt free lifestyle. All of this is possible with a shift in mindset and proven budgeting techniques. This doesn't mean just think and grow rich, then you'll be the millionaire next door overnight. There is a process to understanding how you got into debt and working to climb out. It Is Possible To Climb Out Of The Debt Pit, Even If You Feel Hopeless. You are not alone being stuck in debt. Many others face the same challenges in consolidating debt and paying off credit cards. The system is designed to make debt enticing and trap people. If you are reading this, it means you are aware of the problem and are seeking a solution. The Debt Pit Escape Plan is a comprehensive, yet simple step by step plan to help you get out of debt fast. It is based upon timeless principles of money management and budgeting. In fact, Dave Ramsey recommends some of these same strategies, such as the debt snowball. “You Must Gain Control Over Your Money Or The Lack Of It Will Forever Control You.” - Dave Ramsey In this book, you will discover: - Greater insights into your financial situation via a self assessment tool. - Motivating stories from others who have freed themselves from debt. - Why people get into debt and why they choose to stay there. - How to negotiate with creditors to reduce or eliminate debt. - How to rebuild your credit and live life on your terms. - The joys of debt free living. Why spend another day feeling trapped in debt? Use the principles, strategies and philosophies outlined in this book as your escape plan. Take The First Step Towards Your Financial Freedom By Getting Yourself A Copy Of This Book.
Are you tired of living paycheck to paycheck? Are you worried about how you will pay for the next unexpected expense? Do you make a good income, but struggle to save money and get out of debt? If you answered yes to these questions, Escape the Paycheck to Paycheck Trap is the book you need to read. In this invaluable guide, Tina Antrim offers a candid discussion of what is really going on with your money. Having lived the paycheck to paycheck lifestyle for many years, Tina understands the challenges and fears that keep you awake at night. She shares her story and the strategies she used to become debt-free and have abundant cash flow. In Escape the Paycheck to Paycheck Trap, you will learn how your money story and money mindset affect your relationship with your finances discover the two primary reasons why people struggle financially and how to overcome them identify what spending trigger is most likely keeping you trapped create concrete financial goes that align with your values and your Why-What-How devise a spending plan that allows you to scale the debt mountain prepare for the curveballs that life throws at the worst times It's time to move from guilt, shame, and fear to confidence, peace, and security. This book will give you a solid plan to put you on the path toward financial freedom.
FORGET...Debt Consolidation Loans, Re-Financing, Scrimping, Saving and Budgeting, Cutting Up Your Credit Cards and Bankruptcy. Learn an amazing, unusual alternative to the conventional debt-elimination options. Imagine... Having hundreds of people sending you all the money you need to pay off ALL your debts - including your mortgage. Having them continue to send you money AFTER your debts are all paid. The money you receive is NOT a loan. Once it's in your bank account, it's yours to keep and spend any way you like. Being able to pay off your ENTIRE DEBT - with one single check. Having so much money accumulating in your bank account that you would never need to take on debt ever again. You could live DEBT-FREE for the rest of your life. Never needing a credit card again. All you'll ever need is a debit card because you'll be able to pay cash for EVERYTHING - including cars and homes - for the rest of your life. In the process of paying off your debts with this method, you automatically became wealthy. After all your debts are paid off, you continue to have an income equal to your entire debt coming in every year or every month. Living DEBT FREE for the rest of your life! This solution exists because of one of the largest, most respected and recognized companies in the world. There's a high probability you already do business with this company. Most people just never knew they offered a feature that could help them pay off all their debts. The goal of this book is to change that. As Sullivan sees it, here are the problems with the current "get-out-of-debt" options: Debt Consolidation Loans - More debt just paid out over a longer period, giving you relief with smaller payments, but years more of them. Re-Financing - Not a good idea to add new debt to old debt or extend existing debt. Scrimping, Saving and Budgeting - No Fun! And an excruciatingly slow process. Bankruptcy - Can have devastating, lingering effects. Cutting Up Your Credit Cards - Might not be a bad idea for you at this point, but you don't have to. Within this book, Sullivan also includes another of his bestselling books for FREE! It's that book that inspired this book, and holds the key to the method that makes this debt-elimination plan "The Ultimate Get Out of Debt Plan." Sullivan challenges you to find ANY other method that comes even remotely close to his "Get Out of Debt Plan." It's all revealed in this book. Can you really afford NOT to get this book TODAY? Related Topics: Credit Ratings & Repair, Personal Finance, Budgeting & Money Management, Debt, How to Get Out of Debt, Debt Consolidation, Credit Card Debt, Debt Consolidation Loans, Bankruptcy
The #1 bestselling author presents his most important book since The Automatic Millionaire and gives Canadians the knowledge, the tools, and the mindset to get out of debt — forever. Whether you are working off student loans or trying to meet the minimum balance on your credit card bill, you are probably worried every time you open your mailbox. With salaries frozen and layoffs looming, how will you ever be able to pay down that debt, let alone retire in peace? Here, David Bach offers a new philosophy made for our times, a paradigm-shifting approach to finance that teaches you how to pay down your debt and adopt a whole new way of living. If you have debt, you can be rich but still not free. When you pay down your debt, you reach Freedom Day, that glorious moment when you need a lot less money just to live. On that day, you are truly free. You can have a smaller nest egg and still retire, perhaps even earlier than you expected. With his trademark motivational energy and take-action step by step advice, Bach helps you revolutionize your finances. In these lean times, it's still possible to live your financial dreams. Let David Bach show you how.
LEARN HOW TO ELIMINATE ALL YOUR EXISTING DEBTS, FIND DEBT RELIEF, AND REMAIN DEBT FREE FOR LIFE Discover a proven strategy for debt relief, paying off your debts and remain living debt free for the rest of your life. Millions of people are in debt and struggling to make ends meet. People are hoarded by surmounting financial responsibilities with no resolution in sight. Most don't know what to do or where to turn for help. The growing financial crisis has shifted the consensus of the American Dream from owning a home to being debt free. This is scary. Is to be "debt free" really just a dream? How do you even start to make this dream a reality? The truth is, it can be your reality. This book gives you step-by-step strategies on how to gain control over your finances, and eliminate all your debts once and for all. You'll also discover what got you into debt in the first place, and how to keep it from happening again. You don't have to live enslaved to your debts anymore. You just have to make the commitment to take action and stay the course. Here Is A Preview Of What You'll Learn... Why Are You In Debt? Income and Expense Worksheet Can You Raise Your Income? Can You Lower Your Expenses? Credit Cards and DebtDebt Consolidation Loan BankruptcySecured Loans Much, much more! Here's What Others Are Saying... "This book is the best book I have read about getting out of your debt the sensible way!! It's not one of those quick fix books, it is a realistic look at debt and very helpful tools to get out of debt and build your credit. I really recommend this book!!"- Gerald Leroy Anderson (Philly, USA) "This book is really great. I was able to get some nice tips to manage my personal finances better. I'm always trying to save money and I'm always looking to good books like this one to get some information on how to manage my credit card debt better. I'm still in debt but I've been following some tips and I can tell you that I'm getting some results already. I would recommend this book. I should try this out."- Amanda Jones (USA) "I have come out of debt only recently and as I am still recovering financially I decided to download: "No More Debt'' to see if it could help me. I literally 'absorbed it' on my lunch break and I found all the tips so useful and so up-to-date that I actually ended up reading it twice. What I got from this read is: some really reinforced motivation! I will never again be a debt victim and will never again struggle financially. I have actually started my financial journal, just like the author suggested and it made it so much easier to me to see where I was with my money...I love this idea of a simple yet healthy and happy life. Thank you so much author!"- Marta T. (Barcelona, Spain) TAKE ACTION TODAY and SECURE YOUR FINANCIAL FREEDOM! Tags: debt, debt free, debt relief, debt management, debt consolidation, debt education, debt free living, debt free spending plan, debt free forever, credit free, credit card debt, credit solutions, credit consolidation, how to pay off your credit card debt, how to pay off all your debts, how to become debt free, how to be financially free, finances, financial problems, financial crisis, financial solutions, financial future, financial independence, financial freedom, financial success, financial planning, financial peace, financial intelligence, financial relief, financial analysis, money management, personal finance, personal money management
Strategies and tools to live debt free The world of borrowing and debt management has changed dramatically, leaving people confused about how best to secure their financial future. This book is the only guide with detailed advice to help you become debt free or master the debt you have, based on the latest laws and new government programs and policies implemented under the Obama administration. Is the information and advice on debt management different than in years past? Definitely. In this savvy, engaging guide, bestselling financial expert Jordan Goodman will tell you how to Win the mortgage game: avoid foreclosure, obtain the best refi, and modify your mortgage even if it is "under water" Clean up your credit report and dramatically boost your credit score Negotiate new terms and payments for burdensome medical bills, student loans, and credit cards Protect yourself from the devastation of identity theft Master the new credit card rules, and avoid the rate and fee traps Learn a revolutionary strategy that will help you become mortgage free in 5 to 7 years, change the way you pay all your bills, and save hundreds of thousands of dollars Master Your Debt recommends many pioneering strategies as it lays out an innovative plan for achieving the elusive goal of financial success. The book is filled with helpful web sites, toll free numbers, associations and government agencies, and vetted companies and services to help you implement this advice. In today's volatile economy, getting out of debt is the key to surviving and thriving, and author Jordan Goodman provides you with the strategies and tools to live debt free.
"Debt can be overwhelming, but with the right strategies, it can also be a source of motivation and empowerment." Recession-Proof Debt Management Strategies for Financial Stability is the ultimate guide to managing debt in any economic climate. This comprehensive book covers everything you need to know about debt management, from understanding debt to creating a realistic budget, tackling various forms of debt, and planning for a debt-free future. The book begins with an overview of debt management, including the definition of debt management, types of debt, and the impact of a recession on debt. Readers will then learn how to assess their financial situation, calculate their net worth, identify their sources of income, and analyze their expenses. Recession-Proof Debt Management Strategies then guides readers through the process of creating a realistic budget, prioritizing expenses, allocating funds for debt payments, and adjusting their budget during a recession. The book also covers organizing debts, determining interest rates, and setting debt repayment goals. Readers will also learn about various debt repayment strategies, including the debt snowball method and the debt avalanche method. The book covers managing credit card debt, tackling student loan debt, navigating mortgage debt, reducing auto loan debt, and avoiding high-interest loans. In addition to debt repayment, Recession-Proof Debt Management Strategies also covers boosting income, cutting expenses, understanding bankruptcy and its alternatives, debt management for couples and families, and credit score management. The book provides resources and support for debt management, including non-profit credit counseling agencies, debt management apps and tools, and books, blogs, and podcasts. Readers will also learn how to stay motivated on their debt-free journey, track their progress, celebrate milestones, and learn from setbacks. Whether you are an individual struggling with debt or a couple or family looking to manage your debts together, Recession-Proof Debt Management Strategies for Financial Stability is the perfect guide. With clear explanations, real-world examples, and practical tools and techniques, this book will help you take control of your debts and achieve financial stability. The book emphasizes the importance of building healthy financial habits, using credit responsibly, and maintaining an emergency fund to prevent future debt. Readers will also learn how to set short and long-term goals, save for retirement, and invest wisely. Whether you are just starting your debt-free journey or are looking to improve your debt management skills, Recession-Proof Debt Management Strategies for Financial Stability is the ultimate resource for achieving financial security and stability.Table of Contents: Understanding Debt Management What is debt management? Types of debt The impact of a recession on debt Assessing Your Financial Situation Calculating your net worth Identifying your sources of income Analyzing your expenses Creating a Realistic Budget Prioritizing your expenses Allocating funds for debt payments Adjusting your budget during a recession Organizing Your Debts Listing all your debts Determining interest rates Setting debt repayment goals Debt Repayment Strategies The debt snowball method The debt avalanche method Choosing the best strategy for you Managing Credit Card Debt Understanding interest rates and fees Negotiating better terms Balance transfer options Tackling Student Loan Debt Federal loan repayment options Private loan refinancing Loan forgiveness programs Navigating Mortgage Debt Refinancing your mortgage Loan modification programs Dealing with foreclosure Reducing Auto Loan Debt Refinancing your auto loan Trading in or selling your vehicle Repossession prevention Avoiding High-Interest Loans The dangers of payday loans Alternatives to high-interest loans Building an emergency fund Boosting Your Income Side hustles and part-time jobs Passive income opportunities Selling items and downsizing Cutting Expenses Eliminating unnecessary spending Frugal living tips Making the most of discounts and coupons Understanding Bankruptcy Types of bankruptcy The bankruptcy process Alternatives to bankruptcy Debt Management for Couples and Families Communicating about finances Joint debt repayment strategies Teaching children about debt and money management Credit Score and Debt Management Understanding your credit score Improving your credit rating Monitoring your credit report Financial Planning for the Future Setting short and long-term goals Saving for retirement Investing wisely Preventing Future Debt Building healthy financial habits Using credit responsibly Maintaining an emergency fund Resources and Support for Debt Management Non-profit credit counseling agencies Debt management apps and tools Books, blogs, and podcasts Staying Motivated on Your Debt-Free Journey Tracking your progress Celebrating milestones Learning from setbacksISBN: 9781776849239