Master Your Debt: Slash Your Monthly Payments and Become Debt Free
Master Your Debt: Slash Your Monthly Payments and Become Debt Free
Strategies and tools to live debt freeThe world of borrowing and debt management has changed dramatically, leaving people confused about how best to secure their financial future. This book is the only guide with detailed advice to help you become debt free or master the debt you have, based on the latest laws and new government programs and policies implemented under the Obama administration.Is the information and advice on debt management different than in years past? Definitely. In this savvy
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(out of 6 reviews)
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Debt-Free Forever: Take Control of Your Money and Your Life
- ISBN13: 9781615190201
- Condition: NEW
- Notes: Brand New from Publisher. No Remainder Mark.
Tired of getting to the end of the money before you get to the end of the month? Wish you were in control?If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll
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(out of 5 reviews)
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The Debt-Free Graduate: How to Survive College Without Going Broke
Tells students how they can stay out of debt by taking simple and easy measures, while still having the time of their lives at college. You will learn:
* How to get a great summer job and make it pay.
* How to negotiate with a bank-and win.
* How to find affordable student housing.
* How to eat, drink, and be merry on a budget.
* How to graduate without a ,000 to ,000 student debt.
* How to cut costs with your telephone bill, utilities, laundry, and more.
Rating: (out of 4 reviews)
List Price: $ 9.99
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Lot of 3 Money & Debt Management Books: Debt Free Living, Free Money, Manage... | US $3.95 (0 Bid) End Date: Wednesday May-23-2012 17:11:13 PDT Bid now | Add to watch list |
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Review by Library Girl Reads for Master Your Debt: Slash Your Monthly Payments and Become Debt Free
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When I received Master Your Debt by Jordan E. Goodman, I was expecting a finance book similar to one authored by Suze Orman or Dave Ramsey. However, instead of advice on creating a budget, lowering expenses, and paying off debt, Master Your Debt is more about helping you navigate today’s financial landscape. Goodman explains how we got into our current mess of an economy and how that has changed the way loans, mortgages, credit cards, and even student loans are handled today.
Of course in order to figure out where you are going and how to get there, you still have to know where you are starting from. Goodman does provide the basics for getting a handle on the current state of your finances and emphasizes that the best way to move forward financially is to be completely honest about where you are. The next two chapters are dedicated to understanding how credit scores are calculated and what steps you can take to improve yours and how to reduce the risk of identity theft. Although identity theft can be devastating to one’s finances, it is not a topical I have seen so thoroughly covered in a finance book.
Goodman offers some interesting advice on how to negotiate the best mortgage with the chances in lending practices and also on using a HELOC to repay your mortgage at a faster rate. I would caution that one must be very financially responsible to use his recommended payment methods because, unless you are paying very close attention, it would be easy to simply get deeper into debt instead of reducing it.
Goodman completely covers the new laws covering credit cards that recently went into effect and the impact those laws are having on even consumers who regularly pay their credit card bills in full and on time. Car loans and student loans are other topics with devoted chapters. There is one chapter on what to do if you are already in serious financial trouble and another on different financial strategies at different stages in life.
For the most part, I found Master Your Debt easy to read and understand with the advice given in a very straightforward manner. There were two main downsides to the book for me. First, Goodman regularly promotes companies and services to help with many different aspects of handling personal finances. While I believe that sometimes it can be helpful to work with experts, I am sure that many of these companies charge fees that many people simply cannot pay currently due to job loss or facing foreclosure. He even recommends credit counseling services despite acknowledging that this industry has been cited for promising much more than it delivers. Goodman also admits to having his favorites among these companies or personally knowing people involved in founding or running them. While this does not necessarily mean there are any type of kickbacks involved, it does raise red flags. The second issue, and this is one Goodman freely admits, is that this book will become outdated rapidly. Because Goodman discusses specific financial products and types of loans, there is no way of knowing if those products or loans will even be the same ones available in a few months. Washington and Wall Street are also rapidly changing the way our financial system works so the advice that is sound today may not work tomorrow. Goodman heavily promotes websites and the Internet is certainly not a static place for information.
Despite these flaws, I do think this could be a useful book if only for a limited amount of time and if the reader does a lot of his or her own research before making serious financial decisions.
Review by Melissa for Master Your Debt: Slash Your Monthly Payments and Become Debt Free
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With two children going to college in two years, the book was just what I needed. Although I read the whole book, I zoomed in on the chapter “An Education in College Costs”. I was unaware of all the different programs that were offered. There are many forms to fill out and if filled out incorrectly you can get less money for college. There are examples given throughout the book and they are very easy to understand. If you are in financial difficulties from credit cards or bankruptcy the book will guide you in the right direction. I liked all the resources that are listed in the Appendix and most of them are discussed in the book.(Review by Melissa’s Mother Eileen)
The book was received from FSB associates for review and we were not compensated in anyway for the review
Review by Norma G Humphrey for Master Your Debt: Slash Your Monthly Payments and Become Debt Free
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This book “Master Your Debt” is just what I need. The current world of debt has become so distressing and bewildering that it is almost impossible to follow the changes. Goodman’s book is particularly straightforward and easy to understand the new laws and rules. Also,he provides excellent resources and 800 numbers to find additional information and web sites,so you can put his advice into action.
Norma G.Humphrey
Review by Sherri Rosen for Master Your Debt: Slash Your Monthly Payments and Become Debt Free
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Author Jordan E. Goodman has given us the most wonderful and compassionate advice in “Mastering Your Debt” (Slash Your Monthly Payments and Become Debt-Free). In this difficult time where banks, credit card companies and collection agencies are constantly playing “gotcha” with the debtor, Goodman shows you how you can empower yourself and not allow these institutions to bully you around, with very specific advice. I highly recommend this book for college students on up.
- Sherri Rosen, New York City
Review by C. W. Loy for Master Your Debt: Slash Your Monthly Payments and Become Debt Free
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I learned some basic yet sound wisdom from this book. Although not in financial disaster, but learned how to avoid such. I would recommend it to others. Easy reading and written well.
Review by RAYT721 for Debt-Free Forever: Take Control of Your Money and Your Life
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This is a decent book although I would not give a five star “exceptional” rating to it. I like the author’s conversational “tell it like it is” style. This book is clearly written for the oblivious reader who somehow woke from a coma and declared, “I wonder how in debt I am” and is on a mission to find out. That’s okay. There are people like that who must first see the magnitude of the problem before they can take the steps to acknowledging and working their way out. Vaz Oxlade pulls no punches in upfront telling the reader that the way out is not nearly as easy as the way into massive debt was. It’s going to take hard work. I personally would have liked to see more money-saving advice on how to get out because I have figured out the debt that I have to the penny before getting a hold of this book. All in all, however, the book is good for those who need a push to take on the project of becoming debt-free. In this case you CAN judge a book by its cover… it’s a “how to” book on acknowledging, getting out and staying out of debt forever! That is well worth the price of this book. Read the principles, apply them, and you can become and stay out of debt.
Review by D. Charles Drake for Debt-Free Forever: Take Control of Your Money and Your Life
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As a TV viewer turned reader, I thoroughly enjoyed reading Gail’s book. It showed me how to make percentages of the various categories of expenses and savings thereby allowing me to make a pie chart showing where the money is going. She uses a jar method for weekly expenditures, but you could also use envelopes. I found out my rent expense was within the percentage she allowed. I always thought I was paying way too much for this expense. I use a Vacation Club and Holiday Club. I am far behind in Retirement Savings and I am taking aggressive action; plus saving to pay cash for new/used car, and the emergency fund too. Using cash and using two credit cards by paying balances in full each month with no finance charge and the debit card seem to be working with the budget-a must! Still give to Church & Charity. Thank you Gail. Keep up the Great Work!! I highly recommend this book.
Review by W. McCallister for Debt-Free Forever: Take Control of Your Money and Your Life
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I love her TV show and the book had a lot of good info. My only complaint was that the material was a little disorganized. It seems like it jumped around on topics a little. I would still recommend the book. Watch her show for good examples of people in trouble.
Review by AcerAcer for Debt-Free Forever: Take Control of Your Money and Your Life
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I was so happy to see that Gail has written another book! Her head is on totally straight, her sense of humor is marvelous, and what could be more timely than this topic??
The best part about it is that there are chapters that can help you save more money toward retirement even if you’re already debt free and think you are doing just fine. It’s aimed at people in debt, though, and has marvelous ideas for how to get rid of those credit cards and dig yourself out of debt. She says it’s not easy and of course that’s true, but it’s easier with Gail as your teacher. Some of her ideas are so simple that you can’t help but wonder why you didn’t think of them yourself. But you didn’t. But she did!
I also recommend her TV show, Til Debt Do Us Part.
Review by Baby Nurse K for Debt-Free Forever: Take Control of Your Money and Your Life
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I love Gail because she is no-nonsense but she is more than just a motivational speaker. She shows you how to get yourself in a position of financial freedom. I’m not much of an investment type so many of the financial gurus don’t work for me. Gail speaks mainly to people in way over their heads and us “common folks” and tells us that it’s not totally hopeless. We’ve paid off $10,000 of credit card debt in 2.5 years…thank you Gail!
Review by for The Debt-Free Graduate: How to Survive College Without Going Broke
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Here’s a book I wish someone gave me before I started College!I was given this book as a gift and expected it to be a little difficult to read as it appeared to be a ‘money’ book. So I put it off a few weeks. Once I started reading, I was hooked. It’s practical, comical and actually leaves you feeling excited about saving money, still enjoying the college experience but graduating with little to no debt. I believe that if I read this before I starting college, I would have had little problem graduating debt free. Some of the ideas are very unique and even discuss summer jobs, great tips on buying course books and housing. Other ideas are necessities every college student should know now, but also for life and in any career, such as some of the cost-cutting ideas and optimal ways to pay off any debt that may remain. The Debt Free Grad should be required reading for every college student!
Review by for The Debt-Free Graduate: How to Survive College Without Going Broke
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This is a great book, I loved reading it. Be careful when you pick it up because you might just get a tad distracted and want to read is all through! Overall, it has some major pointers on saving money, especially when it comes to food. Loads of hints.
Review by newneptune for The Debt-Free Graduate: How to Survive College Without Going Broke
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Murray Baker’s Debt Free Graduate is an excellent resource. I work in college-level education, and have found the book to be very helpful in preparing information for students about how to be financially fit. Baker uses really practical examples of how we can save money in every aspect of our lives. I have definately picked up some tips that I can use, on everything from mutual funds to decorating my apartment for less… I highly recommend this book. It’s a fun, easy read.
Review by susan doherty for The Debt-Free Graduate: How to Survive College Without Going Broke
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This book is just jam-packed full of cost saving gems!! In fact, I have saved countless dollars through better management of my money through tips I learned in this book. Perhaps the best thing about this book were all the great tips for getting both summer employment and grant money. Lastly, unlike so many other money saving books I have attempted to plod through, I really found The Debt Free Grad fun to read. If I enjoyed my course work reading as much as this book, I would be an English major instead!