Today, it seems like everyone is having a tough time finding a mailbox large enough to fit all those bills. Heres a step-by-step program for managing the debt monster and staying financially healthy. Readers learn how to create a budget, go on a money diet, and pick expenses that they can live without. Tips, such as establishing an emergency fund to avoid turning to plastic every unexpected bill help readers savings accounts stay in shape. Practical hints, daily reminders, logs and worksheets all help make buying a car or a house not just figments of the imagination.
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From the Back Cover
You're no idiot, of course. You know the "grace period" for your bills better than you know how to say grace. And if there were an Olympic competition for "credit surfing"--transferring your credit debt from one card to another--you'd bring home the gold metal. But when it comes to paying off that debt, you're afraid it will take a gold-medal winner's endorsements. Don't head for bankruptcy court just yet! The Complete Idiot's Guide to Beating Debt shows you not only how to eliminate the debt you have, but how to create a workable plan of "financial health". In this Complete Idiot's Guide, you get:
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Customer Reviews
Most helpful customer reviews
Format:Paperback
Excellent book! Very easy-to-read. I was clueless as to
how the world of credit actually worked. After reading
this book I felt a sense of relief and came away with
a sense of confidence in my knowledge about credit,
credit repair, credit scores, financial tips and much more.
If your cluesless like I was, this is a definite must read.
how the world of credit actually worked. After reading
this book I felt a sense of relief and came away with
a sense of confidence in my knowledge about credit,
credit repair, credit scores, financial tips and much more.
If your cluesless like I was, this is a definite must read.
Most Helpful Customer Reviews on Amazon.com (beta)
Amazon.com:
4.0 out of 5 stars
5 reviews
4 of 5 people found the following review helpful
3.0 out of 5 stars
Only for the extremely clueless, not a real money makeover book
Aug 15 2005
By Jessica Lux
- Published on Amazon.com
Format:Paperback
If you are at all aware of the credit and debt industry or in any way a responsible adult, this book will not help you out. The most useful piece of information I found in it was a quote from Thomas Jefferson: "Never buy what you do not want because it is cheap; it will never be dear to you."
If you are a responsible person trying to beat debt, this book is too remedial for you. This is a wake up call for people who didn't realize that when you buy something, you have to pay for it by the due date. I have more debt than I should, but I have never paid a late fee, and I keep it all at low interest. When I took the quiz in this book, the results told me, "Your debt issues are not bad and are easily resolvable."
This book is a great tutorial if you want to declare bankruptcy or you have completely stuck your head in the sand for the last 10 years about your credit score. Bankruptcy laws just changed to make it harder, however, so you might need to pick up an updated manual.
If you are a responsible person who wants to get intense about beating debt, then Dave Ramsey's Total Money Makeover is an absolute must-read.
If you are a responsible person trying to beat debt, this book is too remedial for you. This is a wake up call for people who didn't realize that when you buy something, you have to pay for it by the due date. I have more debt than I should, but I have never paid a late fee, and I keep it all at low interest. When I took the quiz in this book, the results told me, "Your debt issues are not bad and are easily resolvable."
This book is a great tutorial if you want to declare bankruptcy or you have completely stuck your head in the sand for the last 10 years about your credit score. Bankruptcy laws just changed to make it harder, however, so you might need to pick up an updated manual.
If you are a responsible person who wants to get intense about beating debt, then Dave Ramsey's Total Money Makeover is an absolute must-read.
5.0 out of 5 stars
Highly recommended
Nov 27 2007
By Annie B
- Published on Amazon.com
Format:Paperback
Unlike some of the other posters, I understood how credit worked, but managed to get myself in over my head in college. Like many students, by the time I graduated, I was several thousand dollars in credit card debt.
I read this book about a year out of college while I was on my own, living in a rented 1-bedroom apartment. I had already implemented most of the things this book recommends for getting out of debt and, for me, it was the affirmation I needed to keep going on the right track. Two years out of school, I was credit card debt free (though I still had my student loans so I can't say I was completely debt free).
I have recommended or bought this book for several of my friends who, with the information in it, managed to turn their credit around and learned valuable skills for dealing directly with their creditors. I would highly recommend it to anyone whether you're clueless or not.
I read this book about a year out of college while I was on my own, living in a rented 1-bedroom apartment. I had already implemented most of the things this book recommends for getting out of debt and, for me, it was the affirmation I needed to keep going on the right track. Two years out of school, I was credit card debt free (though I still had my student loans so I can't say I was completely debt free).
I have recommended or bought this book for several of my friends who, with the information in it, managed to turn their credit around and learned valuable skills for dealing directly with their creditors. I would highly recommend it to anyone whether you're clueless or not.
2.0 out of 5 stars
OK book
Oct 26 2007
By G. Harwood
- Published on Amazon.com
Format:Paperback
This book is really made for someone who's deep in trouble. I think I just have a little "mall" problem. This book is more for someone who has bad credit, is trying to avoid or is going thorugh bankruptcy.
›
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4.0 out of 5 stars
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