How to Get Out of Debt, Stay Out of Debt & Live Prosperously

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How to Get Out of Debt, Stay Out of Debt & Live Prosperously

Format:  Paperback,

300 pages

Edition: Bantam Rev Trad

Publisher: Random House Inc

Publish Date: Jan 2003

ISBN-13: 9780553382020

ISBN-10: 0553382020

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Book Information

The following content was provided by the publisher.
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.

Specifications

Publisher: Random House Inc
Publish Date: Jan 2003
ISBN-13: 9780553382020
ISBN-10: 0553382020
Format: Paperback
Number of Pages: 300
Shipping Weight (in pounds): 0.5
Product in Inches (L x W x H): 5.25 x 8.25 x 0.75
Walmart No.: 553382020

Chapter outline

Preface
The Debt Spiral
What Is Debt?
The Nature of Debting
Warning Signs
How We Get There
Stopping The Debt Spiral Cold
The Concepts of Change
Laying The Foundation
The Heart of It
A Tool Nearly As Good As the Wheel
Getting Stronger
The Spending Plan
Stabilizing
The Spending Plan Redux
Building a Margin
No Margin?
Moratoriums
Increasing Income
Do It Again
Turning It Around
ANew Mode
Taking Action
To Hell with the Results
Serenity
Keep It Simple
Easy Does It
Show Up
Act as If
Comrades in Arms
Even the Lone Ranger Had Tonto
Debtors Anonymous
Or
Through A Glass, Clearly
You Don't Have to Do Anything
Look at That!
Fieldstripping Your Vocabulary
I Never Knew I Was This Good
What the Bacon Looks Like
Freedom, Prosperity, and Abundance
Getting Out: Part 1
A Full Commitment
The Ideal Repayment Plan
A Dollar a Month
Repayment Plans Aren't Always Ideal
The Question of Interest
Insane Interest
Debt Shifting
Getting Out: Part 2
Honesty
Hi, It's Me
A Simple Business Transaction
Moratoriums and Restructuring
A Brief Word about Numbers
Consolidation Loans and Pooling
The Contact Log
The Reduction Record
The Liquidation Record
Here Lie Monsters (if You Think So)
The Customer Account Department
Collection Agencies
The IRS
It's Not a Court of Inquisition
The Credit Rating, or: Whose Graven Image Is This?
Supports
HALT
P.S., Your Furnace Is Dead
Keel The Bool.
Rainy Days
An Additional Note on Secured Loans
I'll Drink to That
Specialties
The Vacuum Principle
In and Out in 24 Hours
The Ideal Spending Plan
What, Precisely, Do You Want?
Targeting
The Real Stuff
Generosity
It's A Big Universe
However You Understand It
Staying Out: Part 1
The Three Cardinal Rules
Nothing Can Make You Debt
Use This Book
Fool Me Once, Shame on You, Fool Me Twice, Shame on Me
How Could Anyone Do That (Now That I'm Not)?
Those Good Friends
Staying Out: Part 2
The Money Comes In
Commonplace Miracles
Opportunity Knocked and I Wasn't Home
Where Is It Written That You Have to Work for Money?
Prosperity and Abundance
Supplementary Matters
Debtors Anonymous
Books.
Magazines and Newspapers
Professional Advisers
Psychotherapy
Institutions and Organizations
A Closing Note

Book 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.

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