How To Be Debt Free

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.

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.

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!"

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.

A financial advisor shares her client’s stories—and provides a five-step plan for building a comfortable future. Most people tend to focus on this month’s credit card statement or next year’s raise—but not much further. They simply wait to long to save and plan for the future—and then panic. Licensed Financial Advisor Christine Ibbotson makes getting your financial life in order a doable project by offering accessible and realistic guidelines in a series of achievable steps—from debt elimination to wealth management. In addition, she relates stories from her clients’ lives as they deal with subjects such as mortgages, second careers, budget trimming, family situations that affect finances, and much more. With these real-life examples, plus smart tools and techniques, you can create your own easy-to-follow money plan.

Have debt? Find out how to spend less on interest and more on the things you want. Take some time for straight talk and proven strategies. You've seen all the goofy ideas and fads that don't work. Now it's time to get back to basics with a simple, time-tested, step-by-step plan that anyone can follow. Arm yourself with the truth about getting out of debt. Knowledge is power and you're going to get it. Find out: -Whether your mortgage is good or bad (the answer may surprise you!) -About the Power Pay Off Plan (and how Sam saved 20 grand) -The secrets to successfully get out of debt -Where to find the money you need for debt free living -How much money you ought to be putting towards paying off debt -The truth about debt consolidation (including pitfalls to avoid) -How to use insurance to protect yourself from the unexpected -What to do next, once you've started on the road to wealth Your student loans, mortgage, car loans, and credit card balances can all be gone with the straightforward strategies you'll learn in this book. You don't have to feel stress, shame, or embarrassment over it for one moment longer. You're going to take control and change your life for the better. You'll also get free access to The Debt Destroyer. This wickedly good tool will create a customized plan for you to pay off debt and ensure that more of your money stays in your pocket. You don't have to tackle this alone, and you don't have to be rich to pull this off. If you want debt help on a budget - with straight talk and no tricks - you'll find everything you need right here. Debt relief can be yours. Buy this book today and get started. It's your turn to get ahead. (Formerly published as Your Road to Wealth Starts Here.)

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 this book 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. In The Debt-Free Spending Plan, 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. It doesn’t matter if you make $14,000 or $14 million--thanks to straightforward daily spending strategies and effortless expense tracking tools, The Debt-Free Spending Plan is the key to financial freedom. In just five minutes a day, you’ll find yourself on the road to financial freedom before the next billing cycle.

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.