Until Debt Do Us Part

Money worries rank among the highest causes of marital stress and divorce. Yet few people recognize that their spending habits might have more to do with their emotions, their upbringing, and their communication skills than with their net income. In Till Debt Do Us Part, Dr. Bernard Poduska helps you understand where your financial problems might have their roots, how you can learn to balance your own needs with your family's desires, and how you can manage debt even when it seems to have gotten completely out of your control. You'll learn how to recognize and overcome addictive spending, how to get through the month with the money you have, and how to plan for your future. If you're ready to get to the bottom of your financial challenges, Till Debt Do Us Part will give you the tools and insights you need.

If financial shortcomings are driving a wedge between you and your spouse, you may be one of the thousands of husbands and wives who- while knowing all sorts of money management do's and don'ts--still haven't been able to keep off the emotional roller coaster of out-of-control finances. Freely sharing the "been there, still am sometimes!" foibles of her own marriage, Julie Barnhill offers liberal doses of humor along with solid principles from God's word to help you come clean about the real issues--the heart issues that keep you and your spouse in discontent and budget bondage. Move toward honesty, healing, and real-life change.

With decentralization and urbanization, the debts of state and local governments and of quasi-public agencies have grown in importance. Rapid urbanization in developing countries requires large-scale infrastructure financing to help absorb influxes of rural populations. Borrowing enables state and local governments to capture the benefits of major capital investments immediately and to finance infrastructure more equitably across multiple generations of service users. With debt comes the risk of insolvency. Subnational debt crises have reoccurred in both developed and developing countries. Restructuring debt and ensuring its sustainability confront moral hazard and fiscal incentives in a multilevel government system; individual subnational governments might free-ride common resources, and public officials at all levels might shift the cost of excessive borrowing to future generations. This book brings together the reform experiences of emerging economies and developed countries. Written by leading practitioners and experts in public finance in the context of multilevel government systems, the book examines the interaction of markets, regulators, subnational borrowers, creditors, national governments, taxpayers, ex-ante rules, and ex-post insolvency systems in the quest for subnational fiscal discipline. Such a quest is intertwined with a country s historical, political, and economic context. The formal legal framework interacts with political reality to influence the dynamics of and incentives for reform. Often, the resolution of a subnational debt crisis unfolds in the context of macroeconomic stabilization and structural reforms. The book includes reforms that have not been covered by previous literature, such as those of China, Colombia, France, Hungary, Mexico, and South Africa. The book also presents a comprehensive review of how the United States developed its debt market for state and local governments, through a series of reforms that are path dependent, including the reforms and lessons learned following state defaults in the 1840s and the debates that shaped the enactment of Chapter 9 of the Bankruptcy Code in 1937. Looking forward, pressures on subnational finance are likely to continue from the fragility of global recovery, the potentially higher cost of capital, refinancing risks, and sovereign risks. This book is essential reading for anyone wanting to know the challenges and reform options in debt restructuring, insolvency frameworks, and public debt market development.

Using her own personal experiences, the author helps couples face fiscal foul-ups and to discover God loves them--even in the middle of financial difficulties.

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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.

As the lead soprano of Christian Fellowship Missionary Church, Nichole Singleton semes to have everything a woman could ask for: a loving husband, a job she adores, supportive family and friends, and a church she has called home since her teens. But her husband, Jeffrey, is controlling. Unable to cope with his master plan for their marriage, Nichole turns to gambling instead of communicating with her spouse and taking her fears to the Lord. When her gambling debt soars out of control, Nichole nearly loses all that is near and dear to her. When a tragic family accident occurs, Nichole feels she has no one to turn to. Through her trials and tribulations, will Nichole remember to put her trust in God and reaffirm her faith in the Lord?