A Debt Free You

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Living Debt-Free

Living Debt-Free Pdf/ePub eBook Author:
Editor: HarperCollins
ISBN: 1443457604
FileSize: 1324kb
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Living Debt-Free by Summary

Get rid of your debt without giving up your life No one wants to be in debt. But life happens and if you’ve got debt, life has happened to you. Whether you have a rolling balance of $2,000 on your credit card or an $80,000 line of credit you are positive you will carry to your grave, debt can be a huge cause of stress—affecting both your emotional and financial wellness. After working with thousands of financial planning clients, Shannon Lee Simmons knows that your only way out of the debt cycle is to truly understand all of your spending triggers so you can shut them down for good. In Living Debt-Free, she shows you that it is possible to have a life and pay down debt at the same time. In fact, that’s the only way your debt plan will work. You will learn to take control of your finances and pay down your debt in a realistic way that will keep you motivated long enough to see it through to the end. No shame. No blame. No scare tactics. In Living Debt-Free, Simmons focuses on creating a debt repayment plan that will motivate you for a long time, rather than an unrealistic one that’s strictly about paying the least amount of interest charges. (Collective gasp—how dare she!?) Listen, everyone knows that paying interest on debt is bad and to be avoided as much as possible, but human beings are complex. Life is complex. Debt is complex. There cannot be a one-size-fits-all plan, so Living Debt-Free will help you build your plan—the one that will help you finally put the debt behind you, start fresh and feel good about your money again.

Debt Free Living

Debt Free Living Pdf/ePub eBook Author:
Editor: Pain Free Living Company
FileSize: 1758kb
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Debt Free Living by Summary

With an in-depth analysis of the American economy, Neil McHugh offers a thorough evaluation into this all too common cause of stress - Debt Before we can dig ourselves out of this dark and unpredictable hole, we must first understand what exactly is causing it. When we evaluate ourselves and our way of living, we can truly begin to understand the primary factors which weigh us down and restrict us from living a stable and essentially happy life. YOU CAN BECOME DEBT FREE! -This book will show you how.

The Debt-Free Spending Plan

The Debt-Free Spending Plan Pdf/ePub eBook Author: Joanneh Nagler
Editor: AMACOM
ISBN: 0814432441
FileSize: 1964kb
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The Debt-Free Spending Plan by Joanneh Nagler Summary

It can seem impossible to find a way out of debt--and the more complicated the proposed solution, the harder it is to stick with it. That’s why The Debt-Free Spending Plan is SIMPLE. Life coach JoAnneh Nagler gives you the help you need right now to live your life and get out of debt fast. The plan is clear, easy, and doesn’t require you to sift through chapters of high-minded financial advice or dig up your past spending history. It doesn’t matter if you make $14,000 or $14 million--thanks to straightforward daily spending strategies and effortless expense tracking tools, you’ll learn how to downsize expenses without feeling deprived, allocate money as it comes in, put together an easy-to-manage bill-paying plan, adjust for inevitable overspending, pay off debt without gouging expenses, and (believe it or not) start saving. In just five minutes a day, you’ll find yourself on the road to financial freedom before the next billing cycle.

Debt-Free Forever

Debt-Free Forever Pdf/ePub eBook Author: Gail Vaz-Oxlade
Editor: Harper Collins
ISBN: 1443412821
FileSize: 1116kb
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Debt-Free Forever by Gail Vaz-Oxlade Summary

Revised and updated with new material! Through Debt-Free Forever, more than 100,000 Canadian families have used Gail Vaz-Oxlade’s brand of money management to dig themselves out of debt. Her strategy is straightforward—it isn’t about neat tricks, hidden agendas and mysterious fixes. As Gail says, “Money isn’t rocket-science, it’s discipline.” Gail has made it her life’s mission to make money management something everyone can do. And she won’t take no for an answer. Hers is a style that’s unique, a voice that is demanding, an approach that is holistic. Debt-Free Forever helps readers take back responsibility and control over their money. Gail’s Rules are simple: you can’t spend money you don’t have, you must save something and if you’re in debt, you must get the albatross off your back. That said, she knows that executing them can be hard. That’s why Debt-Free Forever will serve as a roadmap to getting out of debt, with carefully detailed plans, and Gail’s unfailing support to help readers get to the right destination.

Debt Free For Life

Debt Free For Life Pdf/ePub eBook Author: David Bach
Editor: Doubleday Canada
ISBN: 0385676069
FileSize: 1604kb
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Debt Free For Life by David Bach Summary

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.

Debt-Free U

Debt-Free U Pdf/ePub eBook Author: Zac Bissonnette
Editor: Penguin
ISBN: 1101458968
FileSize: 1003kb
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Debt-Free U by Zac Bissonnette Summary

This book can save you more than $100,000. These days, most people assume you need to pay a boatload of money for a quality college education. As a result, students and their parents are willing to go into years of debt and potentially sabotage their entire financial futures just to get a fancy name on their diploma. But Zac Bissonnette is walking proof that this assumption is not only false, but dangerous-a class con game designed to rip you off and doom your student to a post-graduation life of near poverty . From his unique double perspective-he's a personal finance expert (at Daily Finance) AND a current senior at the University of Massachusetts-Zac figured out how to get an outstanding education at a public college, without bankrupting his parents or taking on massive loans. Armed with his personal knowledge, the latest data, and smart analysis, Zac takes on the sacred cows of the higher education establishment. He reveals why a lot of the conventional wisdom about choosing and financing college is not only wrong but hazardous to you and your child's financial future. You'll discover, for instance, that: * Student loans are NOT a necessary evil. Ordinary middle class families can- and must-find ways to avoid them, even without scholarships. * College "rankings" are useless-designed to sell magazines and generate hype. If you trust one of the major guides when picking a college, you face a potential financial disaster. * The elite graduate programs accept lots of people with non-elite bachelors degrees. So do America's most selective employers. The name on a diploma ultimately won't help your child have a more successful career or earn more money. Zac can prove every one of those bold assertions - and more. No matter what your current financial situation, he has a simple message for parents: "RELAX! Your kid will be able to get a champagne education on a beer budget!"

Debt-Free Degree

Debt-Free Degree Pdf/ePub eBook Author: Anthony ONeal
Editor: Ramsey Press
ISBN: 1942121121
FileSize: 1812kb
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Debt-Free Degree by Anthony ONeal Summary

Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.

The Charles Schwab Guide to Finances After Fifty

The Charles Schwab Guide to Finances After Fifty Pdf/ePub eBook Author: Carrie Schwab-Pomerantz,Joanne Cuthbertson
Editor: Currency
ISBN: 0804137374
FileSize: 1332kb
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The Charles Schwab Guide to Finances After Fifty by Carrie Schwab-Pomerantz,Joanne Cuthbertson Summary

Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

AARP The Debt-Free Millionaire

AARP The Debt-Free Millionaire Pdf/ePub eBook Author: Anthony Manganiello
Editor: John Wiley & Sons
ISBN: 1118241657
FileSize: 1831kb
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AARP The Debt-Free Millionaire by Anthony Manganiello Summary

AARP Digital Editions offer you practical tips, provensolutions, and expert guidance. The desire to get out of debt can sometimes be smothered by thesheer volume of information, and misinformation, available. Toovercome such obstacles, what you need is one place to find theright answers, right away. That's why author AnthonyManganiello—founder and creator of DebtFREE.com and Presidentand CEO of Centricity, Inc.—has created The Debt-FreeMillionaire. Since 1995, Manganiello has helped hundreds of thousands ofpeople get out of debt, and now, he'll show you how to do the same.Throughout these pages, he skillfully outlines a plan that willallow you to eliminate debt, develop better credit, and retirecomfortably. You'll learn everything from how to perform aCash-FLOW AnalysisTM—a straightforward approach toassessing your financial standing—to putting your plan intoaction. Along the way, Manganiello reveals how debt and creditshould fit into your financial life and addresses how to employspecific strategies that will lead you to accumulate wealth insteadof what you're most likely doing now, consuming it. No matter what your current financial situation, the five simplesteps comprising this plan will put you in a better position toprosper in the years ahead. You'll also find that as you progressthrough the Debt-Free Millionaire Plan, you'll be fairly wellinsulated from the economic ups and downs experienced by others whoare stumbling through life without a plan. After reading this book, when you think of what a millionaireis, you'll realize that the only difference between you andbecoming a millionaire is a matter of time and distance. Thestrategies outlined here will help you close that gap as quickly aspossible.

Free and Clear

Free and Clear Pdf/ePub eBook Author: Howard Dayton
Editor: Moody Publishers
ISBN: 9781575674612
FileSize: 320kb
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Free and Clear by Howard Dayton Summary

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, cofounder 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.

The Spender's Guide to Debt-Free Living

The Spender's Guide to Debt-Free Living Pdf/ePub eBook Author: Anna Newell Jones
Editor: HarperCollins
ISBN: 0062367307
FileSize: 1386kb
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The Spender's Guide to Debt-Free Living by Anna Newell Jones Summary

Popular blogger Anna Newell Jones of AndThenWeSaved.com delivers this self-help manifesto that reveals how a "spending fast" will help you get on the road to living debt-free. In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. An inveterate “spender,” she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn’t take action, but she didn’t know where to look for help. On a whim, Anna decided to go on a spending fast—an idea she heard in passing but knew little about. Creating her own method, she learned what worked and what didn’t and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in only 15 months! She was interviewed in Forbes, Self, Glamour, Good Housekeeping, and the Chicago Tribune. Anna’s journey inspired people and showed them that they too could change the way they dealt with their own money woes. The Spender’s Guide To Debt-Free Living takes readers through a detailed step-by-step plan on how to do a Spending Fast and get out of debt, including: Creating a personalized Debt-Free Life Pledge. Understanding where your money is going when you’re in debt, and where it will come from to pay it off. Learning why putting money into a savings account before (or while) paying off debt may not be the best idea for you. Finding additional income sources and generating side gigs. Re-integrating spending into your life once you’re out of debt, so that you stay out of debt. Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender’s Guide to Debt-Free Living proves that you don’t have to win the lottery or get a new job to change your life.

A Catholic Guide to Spending Less and Living More

A Catholic Guide to Spending Less and Living More Pdf/ePub eBook Author: Sam Fatzinger,Rob Fatzinger
Editor: Ave Maria Press
ISBN: 1646800486
FileSize: 893kb
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A Catholic Guide to Spending Less and Living More by Sam Fatzinger,Rob Fatzinger Summary

Are you struggling under the burden of debt without a financial cushion to fall back on? Do you long for financial freedom—to live comfortably, pay for your children’s education, or retire while you’re still young enough to enjoy it? Sam and Rob Fatzinger can help you cultivate the values and virtues you need to achieve your financial goals. In A Catholic Guide to Spending Less and Living More, the husband-and-wife team shares their extraordinary story of raising fourteen children on a modest income while living in an expensive metropolitan region. Their practical wisdom, hard-won spiritual insights, and Catholic perspectives on how they have created their own plan based on the financial advice of popular experts such as Dave Ramsey, Chris Hogan, and Brandon “Mad Fientist” Ganch will help you achieve your financial goals: Break free of debt—even if your family lives on one income. Pay off your mortgage and other big-ticket expenditures. Save for long- and short-term goals. Enjoy fun family vacations without going into debt. Cultivate interior virtues such as gratitude and generosity to prevent resentment and hoarding. Help your kids become good money managers and discerning consumers. Achieve a happier marriage and family life through Catholic principles of good stewardship.

Get the Hell Out of Debt

Get the Hell Out of Debt Pdf/ePub eBook Author: Erin Skye Kelly
Editor: Post Hill Press
ISBN: 1642939560
FileSize: 710kb
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Get the Hell Out of Debt by Erin Skye Kelly Summary

Erin Skye Kelly wrote Get the Hell Out of Debt after her own struggle to become consumer-debt free. She was tired of listening to middle-aged men in suits tell her to consolidate and refinance her debt when all that seemed to happen was she’d end up in more of it while they profited from it. When Kelly figured out the two most important tools to money management—and started achieving massive results—other women wanted to join in on the debt-free journey. With her sense of humor and straight-shooting sensibilities, Erin began transforming lives. This book is not only a step-by-step process that will walk you through how to pay off your debt—it’s a deeply personal journey centered around changing your mindset. As you master each of the three phases through repetition, you will create your own financial freedom, allowing you to live debt-free forever and create wealth and abundance that will positively impact your life—and the people you love and serve. No matter how much consumer debt you carry, this book is a judgment-free zone from cover-to-cover. Your dreams are welcome here.

Master Your Debt

Master Your Debt Pdf/ePub eBook Author: Jordan E. Goodman,Bill Westrom
Editor: John Wiley & Sons
ISBN: 0470595868
FileSize: 1643kb
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Master Your Debt by Jordan E. Goodman,Bill Westrom Summary

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.

Worry-Free Money

Worry-Free Money Pdf/ePub eBook Author: Shannon Lee Simmons
Editor: HarperCollins
ISBN: 144345446X
FileSize: 1913kb
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Worry-Free Money by Shannon Lee Simmons Summary

NATIONAL BESTSELLER "A fresh way to think about your money." David Chilton, author of The Wealthy Barber Stop budgeting. Start living. Managing your money can be frustrating and confusing. Life is expensive. Whether you make $30,000 or $130,000 a year, it can feel like you’re constantly broke. Can you afford that new car, that vacation, that night out? You think so, but it feels impossible to know. And rigid budgets that force you to spend your money in unrealistic ways (like $9.50 per week for pants) don’t make things any clearer. But what if there was a new way to manage your money? One that left you certain you had your bases covered—both for your monthly bills and your future retirement—and then let you enjoy your money by spending it. (Yes, really.) Enter Shannon Lee Simmons, a fresh voice in the world of personal finance, one who understands the new and very real pressures to survive modern life and keep up in the age of social media. Shannon doesn’t lecture, judge or patronize. The founder of the wildly popular New School of Finance, Shannon recognized that most of her thousands of financial planning clients felt broke, no matter what their income. And feeling broke can be as bad as actually being broke, because it leads to overspending and misery. So she came up with a new plan: Worry-Free Money. Worry-Free Money takes a fresh approach to finances, looking at the root cause of the pressure to spend and showing why traditional budgets don’t work. It is a deeply practical book that will help you break the cycle of guilt, understand why you overspend, banish unhappy spending from your life, learn to recognize your f*ck it moments and find hope—and fun—in getting your money under control.

Debt-Free Living

Debt-Free Living Pdf/ePub eBook Author: Larry Burkett
Editor: Moody Publishers
ISBN: 9781575675701
FileSize: 541kb
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Debt-Free Living by Larry Burkett Summary

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.

The Holy Spirit, Your Financial Advisor

The Holy Spirit, Your Financial Advisor Pdf/ePub eBook Author: Creflo Dollar
Editor: FaithWords
ISBN: 145557726X
FileSize: 813kb
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The Holy Spirit, Your Financial Advisor by Creflo Dollar Summary

Most people are cautious about any advice they receive concerning their finances. But what if that advice were to come from the Holy Spirit, the third person of the Trinity? In The Holy Spirit, Your Financial Advisor, Dr. Creflo Dollar investigates what the Bible has to say about the role of the Holy Spirit in the area of making and keeping money and discovers some surprising truths. In this book, readers will discover that the Holy Spirit will help them . . . Know what God's word says about the person and work of the Holy Spirit Hear and obey the guidance provided by the Holy Spirit Access supernatural power to manage money Apply practical knowledge to take control of finances Tap into the wisdom of total life prosperity Change a poverty mindset Discover God's system of seedtime and harvest Practice true success Practical application questions and activities at the end of each chapter provide the reader with further helpful strategies for obtaining financial freedom.

Slaying the Debt Dragon

Slaying the Debt Dragon Pdf/ePub eBook Author: Cherie Lowe
Editor: Tyndale House
ISBN: 1496400399
FileSize: 389kb
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Slaying the Debt Dragon by Cherie Lowe Summary

Are your finances getting out of control? Have you made mistakes with your money? Are you in more debt than you’d like to admit? Cherie Lowe has been there. She and her family found themselves $127,482.30 in debt (did your jaw drop?). They hadn’t bought a yacht, blown it on designer clothes, or purchased a mansion. The small, everyday expenses of living just added up—until suddenly, the Lowes were being threatened by one dragon of a debt. But through hard work and with God’s help, Cherie’s family vanquished this foe, one bill at a time. And you can too! In Slaying the Debt Dragon, Cherie shares how her war on debt made her financially free, strengthened her marriage, taught her children valuable money-management skills, and brought her whole family closer to God and one another. As you read her battle tales, you’ll be armed with the weapons you need to fight your own financial foes. With God, all things are possible—and your inspired happily ever after can begin today.

I Am Going To Be Debt Free

I Am Going To Be Debt Free Pdf/ePub eBook Author: Liam Croke
Editor: Liberties Press
ISBN: 1907593934
FileSize: 527kb
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I Am Going To Be Debt Free by Liam Croke Summary

Do you find it hard to sleep at night, kept awake worrying about missed mortgage payments or unpaid bills? Does it sometimes feel like no matter what you do to cut back on spending or how hard you work, you never seem to have enough money to last the month? You are not alone. Today, thousands of us are struggling to survive under huge financial pressure. I am Going to be Debt Free will help transform your financial life. Accessible and informal, this book offers a unique and succinct approach to budgeting by one of the most trusted names in financial planning in Ireland. Combining helpful advice, insightful real-life anecdotes and useful exercises that set out real, achievable goals, I am Going to be Debt Free will give you the practical tools required to get out - and stay out - of debt forever.

Zero Down Your Debt

Zero Down Your Debt Pdf/ePub eBook Author: Holly Porter Johnson,Greg Johnson
Editor: Mango Media Inc.
ISBN: 1633534804
FileSize: 1187kb
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Zero Down Your Debt by Holly Porter Johnson,Greg Johnson Summary

How to get out of debt and enjoy debt free living with the powerful "Zero-Sum Budget" method Zero Down Your Debt ─ How to manage money and experience debt free living: Getting into debt is a piece of cake, but getting out? That’s the hard part. Fortunately, award-winning authors Holly Porter Johnson and Greg Johnson offer actionable tips and advice in their new book on how to get out of debt and enjoy debt free living. The secret? The “zero-sum budget”— the black belt of budgeting methods and the answer to how to get out of debt and pay off that debt quickly. They should know: It helped them wipe out $50,000 of debt. How to get out of debt: With just a pen and a piece of paper in your arsenal, you’ll learn how to implement a zero-sum budget and become debt-free – once and for all. The zero-sum budget’s primary tenets are giving every single dollar earned a purpose — whether it’s for bills, debt repayment or savings — and using last month’s earnings to cover this month’s bills. All you need is the know-how, some willpower, and a positive attitude to transform your financial situation. Let Holly and Greg Johnson show you how to put zero-sum budgeting to work for you. In Zero Down Your Debt you will learn to: • Unlock the powerful potential of your paycheck to help you save more and get ahead faster • Seize control of your money by creating a simple monthly plan that actually works • Understand the root causes of your debt and how to get out of debt • Use a step-by-step plan to eliminate your debt once and for all and enjoy debt free living • Identify and avoid budget vampires that drain your bank account and wreak havoc on your savings • Prepare for unexpected expenses and survive financial emergencies

Money Rules

Money Rules Pdf/ePub eBook Author: Gail Vaz-Oxlade
Editor: Harper Collins
ISBN: 1443408972
FileSize: 800kb
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Money Rules by Gail Vaz-Oxlade Summary

The national bestseller that helps you turn common sense into money in the bank—now updated with 10 new rules to live by Gail Vaz-Oxlade likes to say that managing money isn’t rocket science, it’s discipline. But even she acknowledges that there are tricks to her trade and that making money decisions often feels more complicated than it needs to be. So, where do you start? With Gail’s Money Rules, of course—her essential rules for making your money work for you. Covering every topic under the financial sun—from TFSAs to taxes, borrowing to breaking bad habits, relationships to RRSPs—Gail will show you that many of the rules you may have been following might actually be working against your best interests. Some of her advice is, as she says, common sense (Rule #17: Needs Must Come Before Wants), some of it is surprising (Rule #222: Don’t Borrow to Contribute to an RRSP) and some may even seem counterintuitive coming from Gail (Rule #261: Take Pleasure from Your Money). New to this edition are rules that will help you maximize the return on your savings, get your head straight about what renovations really mean for your bottom line, and calculate your burn rate. All of the rules are divided into digestible pieces that give you a clear sense of what works and what doesn’t—and how to start incorporating her advice into your life today. For money-phobes, this book will be a kick in the pants; for money minders, it will ease the worry that they’ve left a stone unturned; for everyone, Money Rules reveals what it takes to build a financial foundation that will last a lifetime.

Dear Debt

Dear Debt Pdf/ePub eBook Author: Melanie Lockert
Editor: Coventry House Publishing
FileSize: 1081kb
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Dear Debt by Melanie Lockert Summary

In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: - Find the debt repayment strategy most effective for your needs - Avoid spending temptations by knowing your triggers - Replace expensive habits with cheaper alternatives - Become a frugal friend without being rude - Start a side hustle to boost your current income - Negotiate your salary to maximize value - Develop a financial plan for life after debt

Clever Girl Finance

Clever Girl Finance Pdf/ePub eBook Author: Bola Sokunbi
Editor: John Wiley & Sons
ISBN: 111958082X
FileSize: 1102kb
File Format: Pdf
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Clever Girl Finance by Bola Sokunbi Summary

Take charge of your finances and achieve financial independence – the Clever Girl way Join the ranks of thousands of smart and savvy women who have turned to money expert and author Bola Sokunbi for guidance on ditching debt, saving money, and building real wealth. Sokunbi, the force behind the hugely popular Clever Girl Finance website, draws on her personal money mistakes and financial redemption to educate and empower a new generation of women on their journey to financial freedom. Lighthearted and accessible, Clever Girl Finance encourages women to talk about money and financial wellness and shows them how to navigate their own murky financial waters and come out afloat on the other side. Monitor your expenses, build a budget, and stick with it Make the most of a modest salary and still have money to spare Keep your credit in check and clean up credit card chaos Start and succeed at your side hustle Build a nest egg and invest in your future Transform your money mindset and be accountable for your financial well-being Feel the power of real-world stories from other “clever girls” Put yourself on the path to financial success with the valuable lessons learned from Clever Girl Finance.

How to Overcome Financial Stress

How to Overcome Financial Stress Pdf/ePub eBook Author: JPaul Hernandez
Editor: Shepherds Voice Publications, Inc.
ISBN: 971007217X
FileSize: 1829kb
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How to Overcome Financial Stress by JPaul Hernandez Summary

Are you caught in a debt trap you’ve been struggling to get out of? Read this book and learn how to be financially FREE: • Find ways to earn extra money • Restore what financial problems has taken away from you • Establish a strong financial fortress • Experience freedom from financial stress Let JPaul help free you from the stress you feel when you look at all your bills and then see that your income and savings are not enough to pay for everything. He will also help you be free from relationship problems created by financial debt. Start your financial success by growing your money mindset, learning how to build a strong financial fortress, and starting a side hustle that will lead you to financial freedom. After reading this book, you’ll be on your way to financial success, and soon declare to the world, “I’m financially free!”

Confessions of a Credit Junkie

Confessions of a Credit Junkie Pdf/ePub eBook Author: Beverly Harzog
Editor: Red Wheel/Weiser
ISBN: 1601634978
FileSize: 720kb
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Confessions of a Credit Junkie by Beverly Harzog Summary

Credit card expert Beverly Harzog shares how she went from being a credit card disaster to a credit card diva. When Beverly got out of college, she spent the next 10 years racking up debt on seven credit cards. Credit card limits, she believed, were merely “guidelines,” certainly not anything to be taken seriously...especially if she was in dire need of a new pair of shoes. The fact that she was a CPA at the time adds an ironic twist to the credit quagmire she slowly descended into. In Confessions of a Credit Junkie, Beverly candidly details her own credit card mishaps and offers easy-to-follow advice, often with a touch of Southern humor, to help others avoid them. In this much-needed book, you’ll learn: How to use the Credit Card Personality Quiz to choose the right credit cards The seven ways to use a credit card to rebuild credit How to get out of debt using a balance transfer credit card—and pay zero interest while doing it Credit card strategies to save a bundle on groceries, gas, and more Anyone in debt will benefit from the down-to-earth, practical tips Beverly offers.

Mortgage Free!

Mortgage Free! Pdf/ePub eBook Author: Robert L. Roy
Editor: Chelsea Green Publishing
ISBN: 1603581103
FileSize: 1159kb
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Mortgage Free! by Robert L. Roy Summary

mort•gage (mor´-gij) n. from Old French morgage, mort gage, literally “death pledge” As a wave of foreclosures sweeps the country, many people are giving up hope for owning a home of their own. They have good reason to turn their backs on the banks, but not on their dreams. In this revised edition of Mortgage Free!, Rob Roy offers a series of escape routes from enslavement to financial institutions, underscored by true stories of intrepid homeowners who have put their principles into action. From back-to-the-land homesteads to country homes, here is a complete guide to strategies that allow you to own your land and home, free and clear, without the bank. Included is detailed advice about: Clarifying and simplifying your notions of what’s necessary Finding land that you love and can afford Taking control of the house-building process, for the sake of sanity and pleasure Learning to take a long-term perspective on your family’s crucial economic decisions, avoiding debt and modern-day serfdom

Business Boutique

Business Boutique Pdf/ePub eBook Author: Christy Wright
Editor: Ramsey Press
ISBN: 1942121032
FileSize: 626kb
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Business Boutique by Christy Wright Summary

There is a movement of women stepping into their God-given gifts to make money doing what they love. If you're ready to join them, this is your handbook that will take the ideas in your head and the dream in your heart and turn them into action. *Help you create a step-by-step, customized plan to start and grow your business. *Show you how to manage your time so you can have a business- and life- that you love. *Explain overwhelming business stuff like pricing, taxes, and budgeting in simple terms. *Teach you how to use marketing to reach the right people in the right way.

The Complete Guide to Money Management

The Complete Guide to Money Management Pdf/ePub eBook Author: Joel Jacobs
Editor: Joel Jacobs
FileSize: 1926kb
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The Complete Guide to Money Management by Joel Jacobs Summary

“The Complete Guide to Money Management” is here to show you how to Change Your Relationship with Money for Good: A Powerful Guide That Will Get You Out of Debt & Help You Live a Financially Free Life Would you like to stop living paycheck to paycheck, barely making ends meet? Is your goal to live a financially free life without worrying about how you’ll pay the bills? Are you willing to give yourself a chance at changing bad money habits and change your attitude towards finances? If you answered yes to any of these questions, you’re at the right place! Even in most developed societies, far from all people understand how important it is to manage their money and income properly. There is evidently a need for everybody to get acquainted with best practices of budgeting, investing and creating a passive income. In this comprehensive book, you'll learn how ANYONE, with a positive attitude, motivation and commitment to this guide, can start reaping the benefits - and earn income in a clever way that requires minimal involvement. Here is what you can expect: · How to budget, cut expenses, and increase your income · How to set clear financial goals · Grow your savings with solid investment knowledge · Simplify for yourself the process of getting started in creating a passive income · Learn about the risks and rewards, so you'll know what to expect before investing your money · Start to take control of your future · And much, much more No matter if you live paycheck to paycheck, have no clue about investing or simply just want to gain some valuable knowledge - this booklist will take you by the hand and show you how it’s done! So, what are you waiting for?

Debt-Proof Living

Debt-Proof Living Pdf/ePub eBook Author: Mary Hunt
Editor: Revell
ISBN: 1441245154
FileSize: 1097kb
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Debt-Proof Living by Mary Hunt Summary

Your fool-proof guide to paying off debt, planning for the future, and breaking free of our debt-loving culture. The consumer credit industry wants us to believe that debt is necessary to bridge the gap between our pitiful incomes and the lifestyles we desire. But the problem is not that we don't have enough money. It's that we don't know how to manage the money we already have. And until we learn that, more money will never be enough. In this life-changing book, Mary Hunt shows you how to live a rich, fulfilling life without any consumer debt. By applying her simple principles and specific methods, you will learn how to effectively manage and maximize the money you have. No more guessing, wondering, or worrying. Just peace and a more abundant life. What have you got to lose?

The Debt-Free College Athlete

The Debt-Free College Athlete Pdf/ePub eBook Author: Ryan Davis
Editor: WestBow Press
ISBN: 1512723339
FileSize: 1955kb
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The Debt-Free College Athlete by Ryan Davis Summary

Preparing for college is an exciting time of life, but I know it can be dampened by the mountain-sized financial obstacles standing between you and the college experience of your dreams. The many parents and student athletes I speak with today are in the exact same boat. They want to know what to expect throughout their college journey. They crave more knowledge, they want to know theyre on the right track, and they want an amazing college tenure that doesnt leave them high and dry financially. Well hindsight is 20/20, and Im excited to share insights with you to ensure you have the best college experience possible. By the end of our time together you will have the training youll need to graduate completely debt-free. That means no student-loans, no parent-loans, and freedom after graduation to live your calling and change the world. See you inside!

Break the Chain of Debt

Break the Chain of Debt Pdf/ePub eBook Author: Yannis
Editor: Xlibris Corporation
ISBN: 1450033636
FileSize: 1462kb
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Break the Chain of Debt by Yannis Summary

This book is a guide to financial freedom. It includes 8 budgetary forms, eleven rules to follow for success, and instructions on how to use your bank accounts to your advantage. The plan is divided in two sections and you decided which one to use. Many people find themselves in debt which occurs for the same reason every time; we dont save money and we spend more than we earn. My struggle with debt led to the creation of this guide. In the book I describe the method I used to pay my debt and to improve my way of living. The guide consists of instructions for determining the debt load for the household, and the amount of income coming in. Using forms and examples each individual or family will be able to calculate and control, through a budget, a way to increase debt payoff or to increase savings. This guide will be a valuable tool for you to use on your way to becoming debt free. It will allow you to see in black and white how much money you make and how much money you spend or overspend. The budgetary forms will help you to change your future. The knowledge gained will empower you to control your money rather than money controlling you. These forms make you the BOSS of your finances and put you in the driver seat to financial freedom. Remember that only you have the power to change your future.


EntreLeadership Pdf/ePub eBook Author: Dave Ramsey
Editor: Simon and Schuster
ISBN: 1451646011
FileSize: 1342kb
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EntreLeadership by Dave Ramsey Summary

From New York Times bestselling author and nationally syndicated talk radio host Dave Ramsey comes the secret to how he grew a multimillion dollar company from a card table in his living room. If you’re at all responsible for your company’s success, you can’t just be a hard-charging entrepreneur or a motivating, encouraging leader. You have to be both! Dave Ramsey, America’s trusted voice on money and business, reveals the keys that grew his company from a one-man show to a multimillion-dollar business—with no debt, low turnover, and a company culture that earns it the “Best Place to Work” award year after year. This book presents Dave’s playbook for creating work that matters; building an incredible group of passionate, empowered team members; and winning the race with steady momentum that will roll over any obstacle. Regardless of your business goals, you’ll discover that anyone can lead any venture to unbelievable growth and prosperity through Dave’s common sense, counterculture, EntreLeadership principles!

All Your Worth

All Your Worth Pdf/ePub eBook Author: Elizabeth Warren,Amelia Warren Tyagi
Editor: Simon and Schuster
ISBN: 0743279743
FileSize: 1091kb
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All Your Worth by Elizabeth Warren,Amelia Warren Tyagi Summary

This personal finance guide from Dr. Phil’s financial guru, Elizabeth Warren, offers a new way of thinking about and managing your money that will allow you lifelong emotional peace and financial well-being. You work hard and try to save money, so why is there never enough to cover all the bills, to put some away in your child’s college fund, to pay off your credit card debt—or to relax and have some fun, for once? In the New York Times bestseller All Your Worth, mother/daughter team Elizabeth Warren and Amelia Warren Tyagi—authors of the acclaimed The Two-Income Trap—tell you the truth about money. The authors lay out a groundbreaking approach to getting control of your money so you can finally start building the life you’ve always wanted. The result of more than twenty years of intensive research, All Your Worth offers you a step-by-step plan that will let you master your finances—for the rest of your life. The secret? It’s simple, really: get your money in balance. Warren and Tyagi show you how to balance your money into three essential parts: the Must-Haves (the bills you have to pay every month), the Wants (some fun money for right now), and your Savings (to build a better tomorrow). No complicated budgets, no keeping track of every penny. Warren and Tyagi will show you a whole new way of looking at money—and yourself—that will help you get your finances on track so you can enjoy peace of mind for the rest of your life.

Thrifting Into a Debt-Free, Carefree Lifestyle

Thrifting Into a Debt-Free, Carefree Lifestyle Pdf/ePub eBook Author: Marguerite Hartt
Editor: Universal-Publishers
ISBN: 9781581126020
FileSize: 512kb
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Thrifting Into a Debt-Free, Carefree Lifestyle by Marguerite Hartt Summary

THRIFTING INTO A DEBT-FREE, CAREFREE LIFESTYLE provides tips to the reader for savings on virtually every good and service, including personal stories and examples. The book shows the reader how the opportunities exist everywhere for huge savings, and how once the reader has recognized the hidden expenditures, he/she will save money easily and achieve a debt-free, more rewarding life.

The Complete Cheapskate

The Complete Cheapskate Pdf/ePub eBook Author: Mary Hunt
Editor: St. Martin\'s Griffin
ISBN: 1429997877
FileSize: 1103kb
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The Complete Cheapskate by Mary Hunt Summary

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 spontaneity With 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.

It's Your Money

It's Your Money Pdf/ePub eBook Author: Gail Vaz-Oxlade
Editor: Harper Collins
ISBN: 1443411469
FileSize: 774kb
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It's Your Money by Gail Vaz-Oxlade Summary

With everything she does, Gail Vaz-Oxlade focuses on putting money in perspective and encouraging people to take control of their money and their lives. But over the years, she’s found that an astonishing number of smart, competent women are relinquishing that control. It’s Your Money is designed to inspire and inform them to take charge of their financial destinies. This book will help each reader come to terms with why she deals with her money as she does. It helps her establish a solid financial foundation on which to build as she moves through her life. Gail walks her through the major milestones—partnering, raising a family and retiring—making sure she is empowered to make her own decisions, if she’s in a relationship or not. It also shows the reader how to cope when stuff hits the fan, without adding financial stress to her burdens. For the woman who finds herself the sole breadwinner in a family, dealing with aging parents or coping with divorce or widowhood, Gail shows her how to keep her financial life on track. Whether they need Gail’s voice to encourage them to reach for new financial goals, or to kick their credit-card-happy butts back into line, women will turn to It’s Your Money in good times and in bad.

The Value of Debt in Building Wealth

The Value of Debt in Building Wealth Pdf/ePub eBook Author: Thomas J. Anderson
Editor: John Wiley & Sons
ISBN: 1119049261
FileSize: 910kb
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The Value of Debt in Building Wealth by Thomas J. Anderson Summary

The book of financial wisdom that your future self will thank you for reading For many adults under 40, 'debt' is a four-letter word—something that should be avoided but is all too often unavoidable. In The Value of Debt in Building Wealth, bestselling author Thomas J. Anderson encourages you to rethink that. You'll walk away from this book with an understanding of how you can use debt wisely to secure the financial future you envision for yourself and your family. Student loans, mortgages, lines of credit, and other forms of debt are all discussed in detail, with a focus on smart planning for those who are accumulating assets—and debt—now. Should you rent or buy? How important is liquidity? What is good versus bad debt? How much debt should you have? What debt-to-income and debt-to-asset ratios should you aim for? Fixed debt or floating debt? What's the best way of saving for college and retirement? These are big questions that deserve thorough answers because the choices you make now could influence the course of your life. This thought-provoking book will open your eyes to savvy financial strategies for achieving your goals faster and with healthier bank accounts. Explore strategies for smart debt management, explained by one of the nation's top financial advisors Gain an understanding of investment basics and key financial concepts you'll need to achieve your long-term goals Understand the risks of having debt and the potential risks of being debt-free Make financial decisions now that will maximize your wealth, freedom, and opportunity later This book is not about buying things you cannot afford. It is about liquidity, flexibility and optimizing your personal balance sheet. The Value of Debt in Building Wealth is full of ideas you can apply to your own situation—no matter what your current asset level. Read this book today and thank yourself later.

Personal Finance 2 Books In 1

Personal Finance 2 Books In 1 Pdf/ePub eBook Author: Jake Robbins
Editor: Jake Robbins
FileSize: 1478kb
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Personal Finance 2 Books In 1 by Jake Robbins Summary

Debt Free Blueprint Have you found yourself in this position before? You work hard; you think that you are doing right by your money, yet there never seems to be enough? Does your money just up and leave you? Take it from me. I truly understand what it means to look at your bank account and have that sinking feeling in the pit of your stomach. You may be looking at my credentials thinking, "What does this guy know about the pain of watching your hard-earned money flow right out of your pockets?" I can assure you that I have been in your shoes. You’re no longer a slave to bad debt. Student loans, your mortgage, car loans, and credit card debt are all in the past. Creditors aren’t bothering you. You finally have enough cash to pay for necessities every month and can afford some fun stuff, too. You can give money to causes that are important to you, and help out your loved ones when they need you. Your net worth is growing, and your sense of financial security gets better every day. You simply don’t have to worry about money anymore. Well, guess what? All of that can be your reality. You have the power to make that happen. And here’s the thing - it isn’t as hard to accomplish as you may think. It begins here, with one simple thing that will completely transform your finances, now and forever. You get rid of your debts, transform your finances, and use the money that’s been freed up to build your wealth. You’re about to see simple ways to get rid of the bad debts that are ruining your cash flow. Credit Repair Secrets Do you realize your credit score? You should. A credit score can decide your qualification for the nuts and bolts of life. Your credit rating influences your capacity to buy a home, land a decent financing cost on advances, and even find a new line of work. It speaks to the danger of non-installment that you present to a moneylender. Generally, credit scores fit into any of five classes: excellent, awesome, great, reasonable, and exceptionally poor. Your credit card reports decide your credit score. If you have an "excellent" credit rating, you could wind up paying a much lower price on an obligation, because the apparent danger of your default is substantially less than that of an individual with a "reasonable" credit score. You will have practically zero issues getting an advance if your credit score is in any event great. Be that as it may, you can even now get credit cards for having reasonable credit. If you have an exceptionally poor credit score, you will most likely be unable to get advances. This guidebook will cover all of the tips and tricks that you need to know in order to get to know about credit scores. There are likewise different organizations that offer free credit score reports. However, you need to pursue a free time for testing, after which you will start to pay for the administration. You can utilize these administrations if you are worried about wholesale fraud, or when you are building your credit profile and you have to screen your advancement. If your requirement for a credit card score is easygoing, you don't have to leave behind month-to-month expenses to pay for an observing help. You need to have the best credit score with the goal that your procedure of acquiring an advance can be smooth. You will likewise appreciate lower paces of enthusiasm as your credit rating goes up. Different advantages of a superior credit score are being at risk for lower regularly scheduled installments.

Destroy Your Student Loan Debt

Destroy Your Student Loan Debt Pdf/ePub eBook Author: Anthony ONeal
Editor: Ramsey Press
ISBN: 1942121253
FileSize: 1971kb
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Destroy Your Student Loan Debt by Anthony ONeal Summary

You don’t have to spend decades paying off your student loans! You can destroy your debt fast and live a life of freedom. You’ve been lied to: there’s no such thing as good debt. Debt sucks. Period. And that includes student loan debt. No matter what you believed—or were told—when you took out your loans, you need to get serious about getting rid of your debt fast, because it’s costing you more than you know. That’s why bestselling author Anthony ONeal wrote this motivating 64-page Quick Read—to show you why you need to dump your debt fast and how to do it. If you have student loan debt and have never heard of Ramsey Solutions or the 7 Baby Steps, this 64-page Quick Read is for you. Anthony will walk you step-by-step through Baby Steps 1 and 2 to show you how to dump your debt forever. You’ll learn: -The ugly truth about how debt hurts you -The importance of an emergency fund and how to budget (Baby Step 1) -The power of the debt snowball (Baby Step 2) -Exactly what to do to pay off your student loans faster -How to control your money so it doesn’t control you -You’ll also hear stories from real people about how they paid off their debt fast You don’t need relief from your debt, you need to get mad at it. Because the truth is, when you get mad enough, you can pay off your loans faster than you ever thought possible—and take control of your money, and your life, for good! Don’t let anything stand in the way of your future. This plan has helped millions get out of debt and you’re next. You can do this! (Ramsey Press)

Say Yes to No Debt

Say Yes to No Debt Pdf/ePub eBook Author: DeForest B Soaries, Jr.
Editor: Zondervan
ISBN: 0310343976
FileSize: 576kb
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Say Yes to No Debt by DeForest B Soaries, Jr. Summary

dfree™. No debt, no deficits, and no delinquencies. Drawing on his years of experience as a pastor, public policy maker, and community leader, DeForest “Buster” Soaries, Jr. shares the four vital keys to debt-free living in this groundbreaking, life-changing new approach. “The idea that we would be voluntary slaves is offensive to all of our sensibilities,” says Soaries, “But when we continue to spend what we don’t have, charge what we don’t need, and borrow more than we can repay, then we must call the problem what it is: slavery.” This is not another financial literacy program assuming that all people need is information. Soaries believes living in debt is an emotional, spiritual, and psychological problem as much as it is an educational and informational one. Here, Soaries shares the four vital keys to debt-free living that have helped hundreds of families in his church get out of debt. By replacing the “get more money” mentality with a “get out of debt” approach to financial freedom, not only were hundreds of people able to go debt free, his church’s offerings increased by $1 million dollars--during the recession. Find out how you can leave a financial legacy of your own by saying yes to no debt. Says Soaries: “There may be no greater need than to understand the value and joy of debt-free living. There may be no greater legacy we can leave our children.”

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