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Product Description
Amazon.co.uk Review
Millions of consumers have become trapped in a spiral of debt, but there is hope. If you want 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 (US) 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 or fun. --Jake Bond
--This text refers to the
Mass Market Paperback
edition.
Product Description
A simple, proven-effective formula for freeing yourself from debt—and staying that way • Revised and updated, with a new Preface by the author
“A must read for anyone wanting to get their head above water.”—The Wall Street Journal
THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION
OUT OF THE RED
• Do this month’s bills pile up before you’ve 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 of your revolving charge accounts keep rising?
INTO THE BLACK
Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty 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 payback 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 success of the Debtors Anonymous program.
“A must read for anyone wanting to get their head above water.”—The Wall Street Journal
THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION
OUT OF THE RED
• Do this month’s bills pile up before you’ve 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 of your revolving charge accounts keep rising?
INTO THE BLACK
Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty 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 payback 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 success of the Debtors Anonymous program.
Inside This Book
(Learn More)
First Sentence
In its simplest definition, you are in debt when you owe some person or institution money. Read the first page
Front Cover | Copyright | Table of Contents | Excerpt
In its simplest definition, you are in debt when you owe some person or institution money. Read the first page
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Front Cover | Copyright | Table of Contents | Excerpt
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Customer Reviews
Most Helpful Customer Reviews
90 of 90 people found the following review helpful
Format:Mass Market Paperback
This book was recommended to me 12 years ago when I was £30,000 in debt with no assets whatsoever and on the point of bankruptcy. It turned my life around completely (if the author is reading this, I would like to say a long overdue thank you).
My first reaction on reading the book was one of total relief. Whilst newspapers and magazines occasionally address the subject of a little light overspending at Christmas, I had never come across anything that dealt with large-scale debt. The book begins with a number of examples of others who had large debts and worked their way out of it. No miracles, no bankruptcies, just a lot of honesty with oneself and determination to take responsibility. The book is written by an American. Don't let that worry you. The principles are the same whichever side of the Atlantic you're on.
The author goes on to explain the psychology of debting. Looking back I realise I overspent for psychological reasons. Trying to keep up with others, compensate for perceived deprivations etc. Realising this helped me get a hold of my finances.
The rest of the book provides practical step-by-step help with dealing with creditors, managing your money (no matter how little you think you have - I was earning £14K p.a. at the time) so as to be able to repay your debts without feeling massive deprivation.
It truly put me back on to a path that allowed me to take control of my finances, repay all my debts, recover my dignity and have a decent life. Twelve years on I have no debts and have a lovely home.
If you are in debt and wondering whether to buy this book, I urge you to buy it, read it, re-read it and put the principles into practice. I promise it really can be done.
40 of 40 people found the following review helpful
Format:Mass Market Paperback
Ok so you may have some debt, but this book will change your attitude to money for the better, allowing you to escape the debt trap and still live! All you have to do is be serious about achieving the end goal and actually follow the advice offered. There are tasks that will help you view money and life in a different light. It shows you how to analyse your spending and turn the results in to a proper budget tailored made for you, using a very simple system. That, along with making a commitment not to debt on a daily basis can only help anyone get back on a serious sound financial footing, without feeling deprived.
I think this could be a good book for people with serious debt problems, as it gives very good information on drawing up a debt repayment plan based on YOUR budget, and invaluable advice on dealing with creditors, allowing you to take control again.
It is also useful for people that want to take more control of their finances, like I did and pay off that niggly credit card! There is a lot of advice and examples and whilst the whole book may not apply to your every situation, and I certainly found the parts I used very enlightening and empowering.
You have nothing to lose ,except your Debt!
27 of 27 people found the following review helpful
Format:Paperback
This really is a simple but very inspiring book. The 'lessons' in it should be taught to all people as they take on their first job. It will be the best money you have ever invested. I am on the road to no debt, my friend has also read the book and is doing well too. Both of us spent too long in the past looking at ways to earn more money (which isn't a problem) - but first learn to manage what you have got, this book will show you how without a doubt. If you can't afford it get a copy from the library. Good luck and God bless you.
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Most Recent Customer Reviews
Helpful instructional methods
I've been struggling with an overdraft for the last few years and even though it's only £1000 I've had no idea how to get out of it or the feeling of belief I could get myself out... Read more
Published 19 months ago by E. Burgess
Ok, but not amazing
This book is fairly good. I imagine it's better though for people who haven't quite accepted that they have a debting problem nor have they begun to make any progress on reducing... Read more
Published 23 months ago by Sookie
Good advice
I read the book over a week and have started to put some of its suggestions into practice. Sound advice but you need discipline to follow it through. Read more
Published on 14 July 2009 by Deke Rivers
A really helpful book.
This book was written by an American for an American audience so some small sections (to do with bankcruptcy) aren't relevant to the British reader. Read more
Published on 3 Aug 2005 by A reader
Very very helpful.
I needed help and was ready to change my overspending ways. This is important becuase if you cant admit this to yourself nothing will help you, except maybe bankruptcy - which is... Read more
Published on 17 May 2005
Simple but effective
This is a simple way of looking at how to get on the road to a prosperous future. I'm just starting out with a mortgage to cope with. Read more
Published on 6 Sep 2004 by Mr. E. J. Lowe
Beyond the simple basics
This book goes beyond the simple basics. Spend less than we earn? Yeah we know that - but what is it that can turn what we know into what we can do? Read more
Published on 19 Oct 2001 by danhyman@clara.net
This book was not very useful.
This book did not provide much "meat"...it spent too much time prepping the reader for the right mentality. Read more
Published on 2 Sep 1999
A TRULY INSPIRATIONAL AND IMPORTANT WORK
Should be read by everyone who is in debt or plans to be in the future (which is probably everyone over 18). Read more
Published on 8 May 1999
You will begin to have hope and feel good about ending debt.
I really appreciate the down to earth I've been there and survived approach the author takes to the subject. His experience with D.A. Read more
Published on 1 Mar 1999
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