Help! My Debt is Making Me Miserable: Tips to help you Confront Your Finances, Reduce Your Expenses and Increase Your Income

by Richard G. Lowe Jr.

Get Out Of Debt! Pay Off All Your Bills! Credit Cards are just too convenient. It seems so easy, just put it on plastic, and worry about paying for it later. After all, it's better than taking the money from your bank account, right? Besides, you can take years or even decades to pay it back, Surely you’ll be able to make the money to repay the debt way before then; and if not, well, the problem will probably just handle itself. Unfortunately, it all adds up, and before too long it’s a major amount of money. But that’s the way it starts, just a credit card, a few purchases, and you find out how easy it is to get those things you want or those gifts for someone else. Are you credit cards maxed out? Are your interest rates in the double digits? Are being denied credit? Are you unable to make payment? Are you using one card to pay another? These and other symptoms are signs that you are in over your head in debt. I know how it is - I've been there and I've dug myself out of debt in the past. Being deep in debt can be stressful, and can lead to depression, anxiety, and even health issues. The constant, unending calls from creditors, the guilt, the lack of money - all of this can be overwhelming. to you your family, friends and even your job. There Is Hope! You Can Get Your Debts Handled However, there is hope. This book explains what you can do to pull yourself out of the hole of debt that you've dug. There are a few things you'll need to confront, and some steps you'll need to take. Most of all, you need to be determined and you have to actually do what's necessary. Find out the first step to getting yourself off the mountain of debt Learn how you find out how much debt you really have Determine your options for getting more income Get the answers for what can be cut from your expenses Learn the options that are available to clear up the debt Take Your First Step - Buy this Book Get on the path to resolving your debt crisis. Buy this book NOW and learn what you need to do to get that mountain of debt out of your life forever.

61 pages, Kindle Edition

Published September 30, 2016

About the author

After spending 33 years in the computer and information technology industry, Richard decided to take an early retirement to pursue his dreams of becoming a professional writer and published author. Richard is a leader in the computer industry, serving as Vice President of Consulting at Software Techniques and Beck Computer Systems before settling down as Director of Computer Operations at Trader Joe’s. During his twenty-year tenure at TJs, he focused on computer security and preparing for the possibility of disaster.

In addition to creating hundreds of articles for the web, Richard actively works as a professional ghostwriter. In that role, he has completed books on a wide variety of subjects including memoirs, business volumes, and novels. Because of his in-depth background in software management and computer security, Richard has ghostwritten several major books in those areas.

Additionally, Richard has published books of his own: Safe Computing is Like Safe Sex and Real World Survival Tips and Survival Guide, respectively touch on the subjects of computer security and how to survive emergencies and disasters. Richard has also written and published a series of short eBooks on the aspects of freelance writing, including blogging and ghostwriting.

An avid adventurer, Richard has been a photographer for much of his life, with a focus on nature, scenic, performance and event photography. He has done everything from hiking in dozens of national parks throughout the country, to photographing various unique festivals and events, such as the Labyrinth of Jareth Masquerade Ball and the World Mermaid Awards Convention. He is well known in the Renaissance Festival and Belly Dance communities, having photographed over 1,200 dance events and 400 festivals.

Richard is currently working on a large number of short Kindle eBooks on a wide variety of subjects. Beginning in 2016, the first of a ten-volume series of Science Fiction novels will be published.

Reviews

[Simone · Rating 5 out of 5]

This was a great book. Very informative. Reallt enjoyed.