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How to Get Out of Debt, Stay Out of Debt & Live Prosperously | |||
  | 80% Recommended by our customers. Publisher: HarperAudio Catalog: Book Release date: 1999-10-20 Media: Audio Cassette Format: Abridged, Audiobook Ean: 9781559941709 Book Isbn: 1559941707  Tip: compare prices with similar books |
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 Written on April 27, 2006 Summary: My Debt Bible! I bought this book at least 10 years ago, when I was a single mom and deeply in debt. It completely changed the way I thought about debt and financial freedom. I titled it my Debt Bible because 10 years later, I still refer to it when I need a reminder or some inspiration. It's not about deprivation, it's about living a good life without having to go into debt. This book is awesome. I've recommended it to all my friends. Written on March 2, 2006 Summary: how to get out of debt and stay out of debts thank you for a great book Written on February 23, 2006 Summary: Aboslutely life changing This book saved my life. Here is the thank you e-mail I sent to the author: Dear Mr. Mundis, I am writing to thank you for essentially saving my life. For the last 10 years, since I was 21, I have been drowning in debt -- student loans, credit cards -- and filled with anixety and depression. Every time I dug myself out, I did it by throwing every single penny I had into my debt, then needed to borrow again right away to pay for expenses that arose. Even though I make a decent salary, I haven't had money to buy simple things like clothes because I am putting all my money toward debts. I have put off graduate school and other things I really want to do in my life for years while I try to deal with this. I am guessing I am not that unusual, but I never really talked to anyone about it until a few weeks ago. Someone I respect a great deal recommended "How to Get Out of Debt, Stay Out of Debt, and Live Prosperously," and I finished it in a single sitting. I was completely stunned when you said that I came first and my creditors came second -- those words really changed my life. I put needed expenses and expenses that make my life fulfilling back into my spending plan and started from there, as you recommended. And I decided to work with a reputable credit counselor to help negotiate my horrific credit card interest rates down from 31% and 29% to 8% and 9%. I now actually have a completely reasonable plan to pay off all of my debt in 4.5 years -- and that assumes no increase in my income over that time, and I expect it to increase. I can also afford to take the prerequisites I need for graduate school and put $50 a month toward clothes. I can even put a tiny amount into savings for a contingency fund in case emergency expenses arise. I am again completely stunned. Your book is so straightforward and blunt while at the same time completely compassionate. I was expecting scolding and shaming, which is basically what I've been doing to myself. Your advice was completely doable, and I really believe I am on my way to being debt-free. Thank you, thank you, thank you. Written on February 7, 2006 Summary: If you live paycheck to paycheck....or even if you don't First off, If you make minimum wage or live paycheck to paycheck, this book may NOT change your immediate situation. IF every cent you have is going to necessities (food, clothing, utilities, rent/mortgage), you may not have a penny left over. You may even be living with the help of credit cards and getting deeper in debt. So you have to start with two basic principles and THEN you may be able to use the very valuable info in this book. Those principles are: 1. If you don't make enough money to pay your bills (for necessities, not just wants or "luxury items"), then you simply HAVE to find a way to increase your income - whether it is by seling your house, downsizing, taking a second job, taking extra courses to move up at work...whatever. In short, you have to either invest in yourself (become more skilled and desirable as an employee) or you have to cut expenses and put all the extra towards getting (and staying out of debt. DO NOT BUY THIS BOOK UNTIL YOU MEET THE CRITERIA for Principle one #1 (above). 2. Next principle - reduce spending, eliminate debt, be pro-active and aware as a consumer about how to save and spend your resources wisely. Know where your money is going and don't underestimate the power of saving even a dollar a day ($365.00 a year..so you can imagine what saving $5-10 dollars a day does - you do the math). Put aside enough for retirement. Have an emergency fund (or a source of emergency funds that won't put you deeply in debt). When it comes to principle 2, this book could be a major asset. I would NOT advise throwing your bills in a box for a month and giving yourself a "break" from the worry. That might not be so good for your credit rating or Fico score and could backfire with even HIGHER interest rates on debt you are trying to eliminate. Lower interest = quicker repayment, slower buildup of debt - if you play our cards right. I do think becoming aware of what you spend money on - and whether it is necessary - is very worthwhile advice. Also, balance immediate goals with longterm ones. Eventually, the odds are high you'll retire and you might want a nicer lifestyle...or at least enough to eat, sleep in a safe place and pay for the basics. Keep track of your progress from month to month, year to year. Have you reduced your "average" grocery bill? Seeing it in black and white might help. Cut clothing costs? Again, helpful to see. And, of course, everyone gets a thrill to see their debt evaporating. Whatever your goals, this book has valuable advice. Just don't buy it until you have a bit of "give" in your budget. If you don't, then don't fool yourself and work on increasing your income so that you have enough money to cut debt. No book is a miracle worker. Still, this one has valuable info. But people in the lower middle class or those who are struggling to get by with no backup money to cover an emergency are fooling themselves to think this book can immediately change their situation. It can't. It CAN, however, get you the info you need to get on the right path. It might take hard work to get there...but get there you can...one step at a time.  Written on January 2, 2006 Summary: 6 great tips and a few unrealistic requests In the beginning of the book, you are told to put all of your bills in a box and forget about them for 30 days. If you get a new bill in the meantime - it goes into the box. What kind of request is that????????? The author said that you are entitled to 30 days of worry free living. It is impossible to live worry free knowing that your bills will be late, creditors will be calling, and you will have an even bigger problem to deal with in 30 days. The book did have 6 very good tips that made buying the book work the price. |
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| Our price | - | $13.57 | $17.13 | $11.49 | $6.99 | $7.50 |
| List price | $12.00 | $19.95 | $25.95 | $11.49 | $6.99 | $7.50 |
| Lowest used price | $2.39 | $11.51 | $10.95 | $9.00 | $0.36 | $0.14 |
| Lowest new price | $2.39 | $12.35 | $12.95 | $10.96 | $3.02 | $3.60 |
| Collectible price | - | - | - | - | $15.00 | - |
| Catalog | Book | Book | Book | Book | Book | Book |
| Release date | 1999-10-20 | 2008-01-01 | 2008-05-06 | 1999-05-15 | 1999-04-06 | 1996-02-01 |
| Media | Audio Cassette | Paperback | Hardcover | Paperback | Mass Market Paperback | Mass Market Paperback |
| Format | Abridged, Audiobook | - | - | - | - | - |
| Number of pages | - | 224 | 310 | 200 | 224 | 288 |
| Ean | 9781559941709 | 9781427796721 | 9780979825811 | 9780970323804 | 9780380807000 | 9780553572223 |
| Book Isbn | 1559941707 | 1427796726 | 0979825814 | 0970323808 | 0380807009 | 0553572229 |
| Link to shop* (opens in a new window) | BUY IT NOW* | BUY IT NOW* | BUY IT NOW* | BUY IT NOW* | BUY IT NOW* | BUY IT NOW* |
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