How To Get Out Of Debt Stay Out Of Debt And Live Prosperously*

Earn What You Deserve

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

Out of the red... Do this month's bills pile up before you're 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 on your revolving charge accounts keep steadily rising? Into the black... Whether you are currently in debt or fear you're falling into debt, you are not alone. Forty 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 pay-back 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 Debtors Anonymous program.

To Buy or Not to Buy

Simple but effective techniques and strategies for the millions of Americans who suffer from a shopping addiction—from a leading psychologist in the field Are you a shopaholic? • Do you use shopping as a quick fix for the blues? • Do you often buy things that you don’t need or can’t afford? • Do your buying binges leave you feeling anxious or guilty? • Is your shopping behavior hurting your relationships? • Have you tried to stop but been unable to? If so, you are not alone. Nearly 18 million Americans are problem shoppers, unable to break the buying habits that lead them into debt, damaged relationships, and depression. If this describes you, or someone you care about, the help you need is here. Drawing on cognitive behavioral therapy techniques, recent research, and decades of working with overshoppers, Dr. April Benson brings together key insights with practical strategies in a powerful program to help you stop overshopping. As you progress through this book, you’ll take back control of your shopping and spending and create a richer, more meaningful and satisfying life.