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Free Ebook
Free Credit Card Debt Help Ebook
Now you CAN Get the 2006 Edition of
How Free Yourself from Credit Card Debt
Stop worrying and start living again.
Lack of Financial Education
a Major Cause of Too Much Debt
Often starting before high school, youngsters are provided the opportunity to use credit cards, but often lack the sills necessary to use them wisely. This lack of skills follows them into adulthood.
The average family that maintains a credit card balance every month has nearly $8,000 in credit card debt. At 18%, that requires a $150 interest payment every month. That payment might require a second job or overtime work just to make ends meet. Inability to make these payments leads to anxiety, divorce, and bankruptcy.
"Many of the debtors who come into bankruptcy court admit that if someone had warned them about the pitfalls, they would not be in that predicament," said Chief Bankruptcy Judge John Ninfo of the U.S. Bankruptcy Court for the Western District of New York.
A new ebook by Robert Sherman, How to Free Yourself from Credit Card Debt, attempts to help educate consumers about debt-especially credit card debt. It compares getting out of debt to losing weight. Both obesity and high debt levels are mounting problems in the United States.
So, how are the concepts of losing weight and reducing debt similar? We all know that to lose weight, you need to realize that you weigh too much, you must eat less, and you need to exercise more to burn more calories.
Robert Sherman makes reducing debt fit the same pattern. He indicates, "The only way to reduce credit card debt is to:
- Understand what credit card debt is doing to you financially
- Reduce your spending so you can pay off your debt
- Earn more money so you can pay off your debt."
His ebook is organized around these three points and helps provide insight into what people think about money as they get into debt and how they need to think about money to get out of debt. It covers traditional topics about reducing spending, making a targeted spending plan, as well as credit counseling and bankruptcy.
You'll find more information at his website, Bob Sherman Credit.
You can break free this time
Completely free to subscribers of our
Credit News and Tips newsletter.
Here's what you will learn:
- Why moving credit card balances to low interest credit cards can save you money (page 52)
- How to use consolidation loans wisely (page 50)
- The three ways to pay down your credit card balances and which is best for you (page 69)
- How you can make "interest" work for you (page 17)
- How advertising influences you to spend more money and what you can do about it (page 10)
- Why the rich get richer and the poor get poorer and how you can move to the rich side (page 17)
- How the "Can I afford the payments?" culture has changed the way you think about credit and debt (page 22)
- Why banks are not necessarily your friend (page 23)
- Why written goals will save you money and how you can start writing your own goals (page 30)
- The only type of plastic cards you should carry (page 35)
- How to live like a millionaire for less than you think (page 24)
- Five great job hunting websites (page 83)
- The importance of budgeting and making targeted spending goals with easy to follow examples (page 36)
- How to create a personal budget (page 61)
- How to contact your creditors to reduce your interest rates (page 74)
- What to watch out for with credit counselors (page 77)
- How you can earn more money than you do now (page 82)
- All the resources you need (page 104)
- ... and a whole lot more
It's easy to see why this book is valued at $27
... but for a limited time it's yours free.
You Need this Free Credit Card Debt Help Resource
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