Crushing Debt

Author : David Trahair
Publisher : John Wiley & Sons
Page : 103 pages
File Size : 53,9 Mb
Release : 2012-01-06
Category : Business & Economics
ISBN : 9781118096062

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Crushing Debt by David Trahair Pdf

As the majority of Canadians are now spending much more than they make, their debt levels are reaching crisis proportions. Excluding mortgage debt, the average Canadian owes over $25,000 in consumer debt, which poses massive risks not only for the individuals carrying that financial load, but for our entire financial system. In Crushing Debt, bestselling author David Trahair (Enough Bull) warns Canadians that consumer debt is becoming an urgent problem but one that can be solved. Trahair clearly outlines the evils of debt and how easy it is for debt to spiral out of control with examples of real-life stories of debt disasters. If you are a Canadian who is already struggling with debt, Crushing Debt will motivate you to face your financial problems and will show you step-by-step the most appropriate solution to getting out of your personal debt hell. Filled with proven advice, Crushing Debt is a call to action on an urgent and debilitating problem for far too many Canadians.

Author : Shawn M Yesner Esq,Shawn Yesner
Publisher : Createspace Independent Publishing Platform
Page : 130 pages
File Size : 55,5 Mb
Release : 2018-09-18
Category : Electronic
ISBN : 1726303276

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Crushing Debt by Shawn M Yesner Esq,Shawn Yesner Pdf

Do you have credit card companies chasing you for payment? Has a collection company called you or sued you to collect a debt? Are your wages being garnished? Do you get calls at all hours of the day and night from debt collectors? Do you have mounting hospital bills? Or credit card bills? Do you wonder how you're going to make your mortgage payment? Do you have to choose between paying the credit card bill and buying groceries? Are you in foreclosure or is a foreclosure imminent? Is your student loan payment equal to or more than your car payment or your house payment? Does the IRS keep your tax refund? At the end of the month do you have money left over, or at the end of the money do you have month left over? If the answer to any of these questions is "YES" then this book is for you. In November 2015, Shawn started the Crushing Debt Podcast. Shawn has taken the concepts discussed on the Crushing Debt Podcast, the legal issues that he writes about in his blog, and the education that he provides through continuing education seminars for attorneys, Realtors(R) and others, and condensed all of that content into this book. If you feel bullied, know that everything is going to be okay, because there are always options!

Author : Stanley J. Kershman
Publisher : John Wiley & Sons
Page : 256 pages
File Size : 52,5 Mb
Release : 2010-01-07
Category : Business & Economics
ISBN : 9780470739686

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Put Your Debt on a Diet by Stanley J. Kershman Pdf

You could be just two paycheques away from bankruptcy! More people are up to their eyeballs in debt than ever before. Canadian families currently owe over $450 billion. That’s almost $15,000 in debt for every man, woman, and child in the country. It's mortgages, vehicles, credit cards, student loans, and more ... and it's dangerous. The number of consumer bankruptcies has been rising dramatically every year, and Canadians from all walks of life are in dire financial straits — from the working poor to the highest-income professionals. No one is immune from crushing debt, and it will just get worse if we don't take control now. Effectively managing your debt is one of the first—and most important — steps toward your financial health. Put Your Debt on a Diet takes the mystery and fear out of the process of overcoming even the most severe financial problems. Shows you how to effectively reduce and eliminate debt using realistic and down-to-earth techniques. Provides a clear process and achievable milestones that you and your family can use to improve money management skills and resolve debt problems. Includes comprehensive coverage on: assessing your debts, building better money habits, setting financial goals, budgeting strategies, credit counselling, debt reduction strategies, using credit cards wisely, how to shop for credit, and much more. Features practical examples, tips, frequently-asked-questions, worksheets, and checklists to help you reduce your debt load. Whether you're in financial crisis, or just living too close to the edge, Put Your Debt on a Diet is the ultimate reducing plan to help you trim your debt load and put you on the road to good financial health.

Author : Terence Thornton
Publisher : Unknown
Page : 136 pages
File Size : 44,7 Mb
Release : 2020-09-05
Category : Electronic
ISBN : 9798683168773

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Debt-Free Living In 3 Steps by Terence Thornton Pdf

3 Things People Who Are Good with Money Know That Everyone Else Is Clueless About What makes some people good with money? Why are you in a ton of debt when your former next-door neighbor has already moved into a luxurious house within the most prestigious parts of town? Do these people have some kind of money management secret that the rest of humanity is oblivious to? To put it in simple terms, you have to give your money purpose if you want to see it grow. This is also imperative for anyone willing to get out of debt and enjoy financial stability from that point forward. Are you currently living from paycheck to paycheck? Do you have nightmares about putting your kids through college and securing your retirement? You are not alone in this struggle. Nearly 50 percent of Americans worry that they'll run out of money during some point in their retirement. Today, the average American debt is $59,800. At the same time, the median income in the country is $59,039. When these numbers are crunched, it becomes really easy to see just how impossible the situation is for the vast majority of people. So, you don't make enough money, but you still want to get out of debt. Is there a secret strategy to accomplish the goal by multiplying the money you own or by changing your financial mindset in its entirety? The secret to getting out of debt hides in 3 simple steps that wealthy individuals are all too familiar with. In Debt-Free Living in 3 Steps, you will discover: The simplest reason why you're overspending (and why you can't control it) How society has been set up to keep you in debt and make banks more money than ever before Simple strategies to replace the mismanagement of money with healthy financial behaviors 7 types of debt and which ones are truly deadly Credit cards and a false sense of security - why you should stop spending money you don't have The psychology of debt, including ways to get into the right headspace for abundance Whether or not trying to save and cut out expenditure is the best way to get out of debt A foolproof strategy for staying away from financial temptations Strategies for ensuring your long-term financial stability and happiness And much more! Every journey starts with a single step. Even if you are heavily indebted right now, you can make small decisions that will show you the right path out of a sticky situation. You don't have to give up on your hopes and dreams, accepting debt as a normal part of life until your parting day. The transformation starts now, and all it takes is 3 steps to embark on a completely transformative journey. If you want to dig yourself out of debt in order to gain the freedom and security that you deserve, then scroll up and click the "Add to Cart" button.

Author : Dustin Olsen
Publisher : Unknown
Page : 97 pages
File Size : 41,7 Mb
Release : 2019-06-04
Category : Electronic
ISBN : 1072226855

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Overcoming Dream Crushing Debt by Dustin Olsen Pdf

To those of you just starting your debt-free journey, you probably feel dazed and overwhelmed considering the "big picture" of what you are about to tackle. I know that feeling and it's probably more debilitating than you might realize (believe me, there's a reason it took me nearly 2 years to get things together). My best advice for you is to focus on what you can control in the here and now, and don't get too caught up in the fear of the "what ifs." I lost a lot of time because I couldn't focus or wrap my mind around what I had to do. However, I encourage you to just get started. Start today, or at least this week. It's worth it! To those of you who have already started down the path to becoming debt free, but feel you've hit a roadblock - It's time to refocus. The sacrifice can be so hard some days that it becomes easy to question the value of your efforts. That's normal - but remind yourself that you're doing this for a reason and your decisions will no longer be based entirely on money. Hopefully the information and message inside this book is exactly what you've needed to keep going and, with any luck, to do so better than you were able to before. To everyone who reads this book - I hope that you're able to learn at least one thing that will make all the difference for you. Through my experiences of budgeting and getting out of debt, I hope that you're able to more quickly put into practice the principles that took me months and months to fully understand, but ones that have continued to propel me forward all the way to that final loan payment and beyond. What you're about to read in this book was real life and the lessons I learned through the sacrifice of eliminating debt. It is no secret that life never goes the way that way we plan and those who are truly successful at life are those who have mastered their ability to roll with the punches and pick themselves back up. This book is a compilation of my own opinions about life, money management, and the process of becoming debt free. In a nutshell, this is my story of how I survived dream crushing debt.

Author : Stephanie Bousley
Publisher : Abrams
Page : 216 pages
File Size : 49,5 Mb
Release : 2020-03-31
Category : Business & Economics
ISBN : 9781641702843

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Buy the Avocado Toast by Stephanie Bousley Pdf

What if the solution to student debt was reinvesting in yourself? Are you a smart, hard-working person who always seems to struggle financially? Do you ever second-guess decisions to pursue higher education because of your student loans? Has extreme budgeting eliminated joy and comfort from life, yet you’re still several years away from being debt-free? Conventional wisdom tells us the formula for success is simple: go to school, get a job, work hard, repeat as needed until you retire. It tells us that debt is the result of poor choices and irresponsible spending. Unfortunately, such advice fails to take into account the recent (and not-so-recent) graduates for whom predatory student lending rates have set them back tens or even hundreds of thousands of dollars before they even enter the job market. In Buy the Avocado Toast, Stephanie Bousley shares lessons learned through years of working hard and perpetually undervaluing herself while coming to terms with owing almost $300,000 in student debt. Through a holistic approach to both net worth and self-worth, Bousley offers readers hope for their own financial situations by providing step-by-step instructions on reducing debt, living better, and rooting out the self-defeating beliefs that keep us broke.

Author : Anonim
Publisher : Unknown
Page : 296 pages
File Size : 40,7 Mb
Release : 2021
Category : Consumer credit
ISBN : 1602481946

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Surviving Debt by Anonim Pdf

Author : Matthew Meyers
Publisher : Unknown
Page : 148 pages
File Size : 51,5 Mb
Release : 2017-05-24
Category : Electronic
ISBN : 0692892850

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Ignited about Crushing Debt by Matthew Meyers Pdf

Ignited about crushing debt takes you through a journey where you learn about the steps to take control of your financial life. Debt has made many individuals its slave, and it's time to turn a chapter and take control. With a simple step-by-step process Matthew Meyers take you on a journey of self discovery with easy to use tools in taking back your life. You deserve the opportunity to live a more fulfilling life, get ignited and crush the debt that has been holding you back.

Author : Jeff Michael
Publisher : McGraw Hill Professional
Page : 162 pages
File Size : 49,9 Mb
Release : 2004-04-20
Category : Business & Economics
ISBN : 9780071457194

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Repair Your Credit and Knock Out Your Debt by Jeff Michael Pdf

A financial first-aid kit that helps you patch up your credit and live debt-free Repair Your Credit and Knock Out Your Debt is a godsend for the 75 million Americans currently trying to dig their way out from under crushing debt. Written in association with Springboard, a leading not-forprofit financial services organization that, since 1974, has helped 4 million consumers get out of and stay out of debt, this results-oriented handbook is a gold mine of proven debt-management strategies and techniques. Drawing upon Springboard's expertise, Jeff Michael walks readers through all the steps to achieving a debt-free existence. He also offers expert advice for the debt-challenged reader on how to deal with foreclosures, evictions, repossessions, costly emergencies, child-care expenditures, and more. Readers learn how to: Get out of debt as quickly as possible, under virtually any circumstance Get copies of credit reports and fix what's wrong Control spending and live debt-free Restore a line of credit Cope with the emotional burdens of debt and develop a positive attitude about money Stop being pushed around by collection agents Make sense of complex credit and debt legislation and regulations

Author : Andrew Ross
Publisher : OR Books
Page : 220 pages
File Size : 46,7 Mb
Release : 2014-02-20
Category : Business & Economics
ISBN : 9781939293398

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Creditocracy by Andrew Ross Pdf

It seems like pretty much everybody – homeowners, students, those who are ill and without health insurance, and, of course, credit card holders – is up to their neck in debt that can never be repaid. 77% of US households are seriously indebted and one in seven Americans has been pursued by debt collectors. The major banks are bigger and more profitable than before the 2008 crash, and legislators are all but powerless to bring them to heel. In this forceful, eye-opening survey, Andrew Ross contends that we are in the cruel grip of a creditocracy – where the finance industry commandeers our elected governments and where the citizenry have to take out loans to meet their basic needs. The implications of mass indebtedness for any democracy are profound, and history shows that whenever a creditor class becomes as powerful as Wall Street, the result has been debt bondage for the bulk of the population. Following in the ancient tradition of the jubilee, activists have had some success in repudiating the debts of developing countries. The time is ripe, Ross argues, for a debtors’ movement to use the same kinds of moral and legal arguments to bring relief to household debtors in the North. After examining the varieties of lending that have contributed to the crisis, Ross suggests ways of lifting the burden of illegitimate debts from our backs. Just as important, Creditocracy outlines the kind of alternative economy we need to replace a predatory debt-money system that only benefits the 1%.

Author : Karen Harding
Publisher : Independently Published
Page : 0 pages
File Size : 45,8 Mb
Release : 2023-03-09
Category : Business & Economics
ISBN : 9798386374044

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Broke No More by Karen Harding Pdf

Are you tired of living paycheck to paycheck, drowning in debt, and feeling like you can never get ahead? It's time to take control of your finances and start living the life you want. In Broke No More: A Woman's Guide to Crushing Debt and Living the Life You Want, you'll discover practical strategies and tips to help you take control of your finances and overcome debt. From budgeting and saving to negotiating bills and increasing your income, this book is your comprehensive guide to financial freedom. With practical and actionable advice, Broke No More empowers you to: Create a budget that works for you and your lifestyle Negotiate with creditors and service providers to reduce your bills and repayments Build an emergency fund and start saving for your future Crush your debt with a step-by-step plan Explore creative ways to make more money and boost your income Written specifically for women by a financial expert, Broke No More tackles the unique challenges that women face when it comes to money and provides practical solutions to help you achieve your financial goals. Stop living in debt and start living the life you want. Pick up your copy of Broke No More today and start your journey to financial freedom.

Author : Peter G. Peterson
Publisher : Unknown
Page : 424 pages
File Size : 49,9 Mb
Release : 1993
Category : Debts, Public
ISBN : STANFORD:36105003446379

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Facing Up by Peter G. Peterson Pdf

A wake-up call for America's economy from former Secretary of Commerce Peterson. Features a detailed action plan for ending deadlock of special interest groups, fighting for the interests of American society as a whole, stopping our downward spiral of declining living standards, and more.

Author : Victoria Gunn
Publisher : Unknown
Page : 0 pages
File Size : 41,8 Mb
Release : 2023-07-05
Category : Electronic
ISBN : 1958287091

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Rapid Debt Payoff Strategies by Victoria Gunn Pdf

Are you tired of being weighed down by debt? Do you dream of financial freedom and a secure future? Look no further. This book "Rapid Debt Payoff Strategies: Crush Debt and Grow Your Savings," is your roadmap to financial liberation. Whether you're burdened with credit card debt, student loans, or other financial obligations, the strategies within these pages will empower you to take control and make significant progress toward your financial goals.You'll find practical and proven techniques to manage your finances effectively. You'll learn how to minimize your expenses and prioritize your debt payments, ensuring that your hard-earned money works for you, not against you. With "Rapid Debt Payoff Strategies," you'll gain access to invaluable tools and insights to create a personalized allocation spreadsheet that will accelerate your debt payoff like never before. Imagine a life where your debts no longer dictate your choices, you have the freedom to pursue your passions, and your savings grow steadily. This book will help you turn that vision into a reality. Don't let debt hold you back any longer. It's time to crush debt and grow your savings rapidly. Let "Rapid Debt Payoff Strategies" be your guide on this transformative journey toward financial independence.

Author : Nelson Searcy,Jennifer Dykes Henson
Publisher : Baker Books
Page : 183 pages
File Size : 53,8 Mb
Release : 2020-11-17
Category : Religion
ISBN : 9781493427703

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The Generosity Secret by Nelson Searcy,Jennifer Dykes Henson Pdf

For too many Christians, financial stress is a stumbling block to living the abundant life God offers. Crushing debt, living paycheck-to-paycheck, and constant feelings of financial fear should not be the norm for those who love God and want to honor him in every way. The Generosity Secret provides a proven strategy to break free from the financial stress that's keeping you from pursuing your passions and living a joy-filled life. This systematic approach to handling money in a God-honoring way guides you step-by-step away from a life of financial strain to a new reality of financial health and freedom. It teaches you how to - get out of debt--and stay out - set smart goals for spending, saving, and giving - live and give in a fulfilling way - and much more Are you ready to stop stressing about money? Ready to replace anxiety and fear with a healthy financial plan that honors God? Ready to start living and giving in a fulfilling, God-honoring way? Then you're ready for The Generosity Secret.

Author : Melanie Lockert
Publisher : Coventry House Publishing
Page : 89 pages
File Size : 45,6 Mb
Release : 2016-08-12
Category : Business & Economics
ISBN : 8210379456XXX

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Dear Debt by Melanie Lockert Pdf

In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt