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How to Be Debt Free: A Simple Plan for Paying Off Debt: Car Loans, Student Loan Repayment, Credit Card Debt, Mortgages, and More. Debt-Free Living Is Within Your Reach!
Have debt? Find out how to spend less on interest and more on the things you want. Take some time for straight talk and proven strategies.
You've seen all the goofy ideas and fads that don't work. Now it's time to get back to basics with a simple, time-tested, step-by-step plan that anyone can follow.
Arm yourself with the truth about getting out of debt.
Knowledge is power and you're going to get it.
Find out:
-Whether your mortgage is good or bad (the answer may surprise you!) -About the Power Pay Off Plan (and how Sam saved 20 grand) -The secrets to successfully get out of debt -Where to find the money you need for debt free living -How much money you ought to be putting towards paying off debt -The truth about debt consolidation (including pitfalls to avoid) -How to use insurance to protect yourself from the unexpected -What to do next, once you've started on the road to wealth
Your student loans, mortgage, car loans, and credit card balances can all be gone with the straightforward strategies you'll learn in this book. You don't have to feel stress, shame, or embarrassment over it for one moment longer. You're going to take control and change your life for the better.
You'll also get free access to The Debt Destroyer. This wickedly good tool will create a customized plan for you to pay off debt and ensure that more of your money stays in your pocket.
You don't have to tackle this alone, and you don't have to be rich to pull this off. If you want debt help on a budget - with straight talk and no tricks - you'll find everything you need right here. Debt relief can be yours.
Buy this book today and get started. It's your turn to get ahead.
(Formerly published as Your Road to Wealth Starts Here.)
You've seen all the goofy ideas and fads that don't work. Now it's time to get back to basics with a simple, time-tested, step-by-step plan that anyone can follow.
Arm yourself with the truth about getting out of debt.
Knowledge is power and you're going to get it.
Find out:
-Whether your mortgage is good or bad (the answer may surprise you!) -About the Power Pay Off Plan (and how Sam saved 20 grand) -The secrets to successfully get out of debt -Where to find the money you need for debt free living -How much money you ought to be putting towards paying off debt -The truth about debt consolidation (including pitfalls to avoid) -How to use insurance to protect yourself from the unexpected -What to do next, once you've started on the road to wealth
Your student loans, mortgage, car loans, and credit card balances can all be gone with the straightforward strategies you'll learn in this book. You don't have to feel stress, shame, or embarrassment over it for one moment longer. You're going to take control and change your life for the better.
You'll also get free access to The Debt Destroyer. This wickedly good tool will create a customized plan for you to pay off debt and ensure that more of your money stays in your pocket.
You don't have to tackle this alone, and you don't have to be rich to pull this off. If you want debt help on a budget - with straight talk and no tricks - you'll find everything you need right here. Debt relief can be yours.
Buy this book today and get started. It's your turn to get ahead.
(Formerly published as Your Road to Wealth Starts Here.)
110 pages, Paperback
First published November 15, 2016
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Displaying 1 - 21 of 21 reviews
February 26, 2017
Your Road to Wealth Starts Here by Avery Breyer is a very interesting and practical book on the subject, especially useful for anyone who want to get out of debt and stay debt-free. I enjoy the book very much and and read this book in one sitting. Easy to read with a lot of tips, advice, and encouragement. There are useful action steps that I can take.
I highly recommend this book. You certainly won't regret reading it.
I highly recommend this book. You certainly won't regret reading it.
December 1, 2016
Debt is a terrible thing. The average family in Canada has on average approximately $50 grand in credit card debt that they can't pay back. When you think about it, debt is a crushing force that, at first it gives us what we want, and then later, it comes to collect and takes more than was originally offered. This is why, if you are in debt and are looking for a way out, this book is that way.
This book provides a clear roadmap with a step-by-step plan that’s simple for the average person to follow and implement right away. By following the valuable advice in this book, not only will you become financially free but, you will learn how to:
' Pay off your mortgage
' Become credit card debt-free
' Stop buying things with credit such as furniture, TVs, or fancy vacations.
' Stop financing the things you want with debt
' Save money by using public transport
' Stop leasing a car and save more cash
' Know if you can afford to buy a home
' Distinguish the benefits of renting and mortgaging a home
The section on eliminating credit card debt is excellent. As the author Avery states:
“If you carry a $10,000 balance on a credit card with an interest rate of 12% you’re paying $1200 per year in interest. If the interest rate is 30%, you’re paying $3000 per year in interest.”
But the best part is The Power Pay Off Plan. By implementing this system you’ll be debt free and save yourself a lot of money.
The bottom line is, our credit card debt is sucking our cash away. But this book gives you the tactics to put into action and take care of it. By using a method called the Snowball Method you’ll be able to maximize the amount of money you can contribute towards your debt as well as reduce the amount of debt. This has the effect of creating a debt-free lifestyle within a limited space of time and it won’t take a lifetime.
This book has a lot of motivating quotes and advice from the author for people who “stink” at managing their finances. You might feel like you can’t do it, or you feel guilty if you have lots of cash on hand. But you can change this mind-set, and the wisdom and action steps in “Your Road to Wealth” shows you how to do that.
The bottom line is:
This is one of the best books I have read on the subject of debt elimination. It isn’t too technical and provides strategies simple enough that anyone can put them into action immediately. There is hard work involved, especially if your debts are extensive, but at the end of it all you could be enjoying a wealthier lifestyle.
This book provides a clear roadmap with a step-by-step plan that’s simple for the average person to follow and implement right away. By following the valuable advice in this book, not only will you become financially free but, you will learn how to:
' Pay off your mortgage
' Become credit card debt-free
' Stop buying things with credit such as furniture, TVs, or fancy vacations.
' Stop financing the things you want with debt
' Save money by using public transport
' Stop leasing a car and save more cash
' Know if you can afford to buy a home
' Distinguish the benefits of renting and mortgaging a home
The section on eliminating credit card debt is excellent. As the author Avery states:
“If you carry a $10,000 balance on a credit card with an interest rate of 12% you’re paying $1200 per year in interest. If the interest rate is 30%, you’re paying $3000 per year in interest.”
But the best part is The Power Pay Off Plan. By implementing this system you’ll be debt free and save yourself a lot of money.
The bottom line is, our credit card debt is sucking our cash away. But this book gives you the tactics to put into action and take care of it. By using a method called the Snowball Method you’ll be able to maximize the amount of money you can contribute towards your debt as well as reduce the amount of debt. This has the effect of creating a debt-free lifestyle within a limited space of time and it won’t take a lifetime.
This book has a lot of motivating quotes and advice from the author for people who “stink” at managing their finances. You might feel like you can’t do it, or you feel guilty if you have lots of cash on hand. But you can change this mind-set, and the wisdom and action steps in “Your Road to Wealth” shows you how to do that.
The bottom line is:
This is one of the best books I have read on the subject of debt elimination. It isn’t too technical and provides strategies simple enough that anyone can put them into action immediately. There is hard work involved, especially if your debts are extensive, but at the end of it all you could be enjoying a wealthier lifestyle.
January 7, 2019
I took this Kindle Unlimited book out for a quick spin. Nothing new, really, but good to get a refresher after the holidays! If you subscribe to Kindle Unlimited, and have some credit cards, I'd recommend it.
September 5, 2019
Read this on Kindle Unlimited. Nothing new, pretty much what I already knew. At least it was a nice refresher!
March 10, 2024
Book is based on opinions
While there is some decent information in the book, it's mostly based on opinions and selective math that only tells one side of the story.
There are a lot of one size fits all "you ought' and "you should".
In my opinion the book lacks in teaching people the one basic premise which is control of your money. For instance it states to only get a 15 year mortgage, forcing the homeowners into larger payments which will be the same month after months regardless of payment amount.
Why not suggest getting the 30 year mortgage and making the 15 year payment to achieve the same result. This allows control if you need to drop your monthly payment down to the 30 year rate without having to contact the bank.
There are several other incidents in which this is the case.
Who is this book for...
Anyone completely lost in their finances or just starting their financial journey. Just remember to be a student and not a follower.
Who should pass it by....
Anyone who has read Dave Ramsey or followed him for more than a month. This book is a shortened version of Dave's principles with a few added components.
In summary, there is a lot of decent information in this book, most of it I agree with. The reasoning and logic behind it is biased and could cause faulty thinking impacting future decisions in an unintended way.
If you read this book look at both sides and don't take what the author says at face value. I guess that statement could be made for any book, but it definitely applies here
While there is some decent information in the book, it's mostly based on opinions and selective math that only tells one side of the story.
There are a lot of one size fits all "you ought' and "you should".
In my opinion the book lacks in teaching people the one basic premise which is control of your money. For instance it states to only get a 15 year mortgage, forcing the homeowners into larger payments which will be the same month after months regardless of payment amount.
Why not suggest getting the 30 year mortgage and making the 15 year payment to achieve the same result. This allows control if you need to drop your monthly payment down to the 30 year rate without having to contact the bank.
There are several other incidents in which this is the case.
Who is this book for...
Anyone completely lost in their finances or just starting their financial journey. Just remember to be a student and not a follower.
Who should pass it by....
Anyone who has read Dave Ramsey or followed him for more than a month. This book is a shortened version of Dave's principles with a few added components.
In summary, there is a lot of decent information in this book, most of it I agree with. The reasoning and logic behind it is biased and could cause faulty thinking impacting future decisions in an unintended way.
If you read this book look at both sides and don't take what the author says at face value. I guess that statement could be made for any book, but it definitely applies here
August 6, 2019
As a millennial, I needed this information.
No one has ever told me the ins and outs of debts growing up, much less how I should handle them once I have them. This book has taught me so much about how to handle any debt situation I may be in or ones that may still come in the future. If you’re unsure of what to do with your current financial situations regarding debt, this is the right book for you.
No one has ever told me the ins and outs of debts growing up, much less how I should handle them once I have them. This book has taught me so much about how to handle any debt situation I may be in or ones that may still come in the future. If you’re unsure of what to do with your current financial situations regarding debt, this is the right book for you.
February 9, 2018
Simple and direct
I took a few courses on Accounting and Finance, this book is pretty close to what we learn in school, and sometimes even more direct. There are also Some pointers and tools included. Reading is Easy.
I took a few courses on Accounting and Finance, this book is pretty close to what we learn in school, and sometimes even more direct. There are also Some pointers and tools included. Reading is Easy.
April 25, 2021
Pretty good!
I appreciate some thoughtful and insightful descriptions of increasing and managing debt and net worth. It would have been nice to have fuller explanations from further research, but very well written! Thanks!
I appreciate some thoughtful and insightful descriptions of increasing and managing debt and net worth. It would have been nice to have fuller explanations from further research, but very well written! Thanks!
March 18, 2017
I received an e-copy of this book from the publisher via NetGalley in exchange for an honest review.
3.5 stars
This book is an easy-to-follow introduction to getting out of debt. The author does a good job of highlighting key points, using succint examples, and keeping the pace of the book moving. With that said, I would have liked to delve a little deeper into certain topics, including the last and very brief chapter on how to build wealth. I also would have liked to see the topic of debt and credit scores addressed.
I would recommend this book for anyone looking for a concise, quick read on how to achieve a debt-free life.
3.5 stars
This book is an easy-to-follow introduction to getting out of debt. The author does a good job of highlighting key points, using succint examples, and keeping the pace of the book moving. With that said, I would have liked to delve a little deeper into certain topics, including the last and very brief chapter on how to build wealth. I also would have liked to see the topic of debt and credit scores addressed.
I would recommend this book for anyone looking for a concise, quick read on how to achieve a debt-free life.
October 23, 2017
Good practical info
Straight-forward and concise. Good practical info on good vs bad debt, how to pay down debt, in what order, and how to think about calculating the savings.
Straight-forward and concise. Good practical info on good vs bad debt, how to pay down debt, in what order, and how to think about calculating the savings.
January 11, 2018
Good
I liked the book . It's pretty simple for anyone to understand it gets to the point and very encouraging
I liked the book . It's pretty simple for anyone to understand it gets to the point and very encouraging
November 7, 2018
Great book
Very inspirational! I plan to read this book again for motivation. She gave great detailed tips to improve your finances, from your mortgage to your everyday spending!
Very inspirational! I plan to read this book again for motivation. She gave great detailed tips to improve your finances, from your mortgage to your everyday spending!
December 11, 2018
Very nice book
Very simple to read and understand. Now, I'll be trying to practice what It taught me. You should give it a try.
Very simple to read and understand. Now, I'll be trying to practice what It taught me. You should give it a try.
February 1, 2019
Informative
This book made me see the financial mistakes that I have made and how to fix it. Definitely a must read.
This book made me see the financial mistakes that I have made and how to fix it. Definitely a must read.
May 26, 2019
Great book
Helped me so much in the long run to let me decide on the best way to manage and pay off my debt.Would recommend it for anyone struggling on how to become debt free.
Helped me so much in the long run to let me decide on the best way to manage and pay off my debt.Would recommend it for anyone struggling on how to become debt free.
May 18, 2020
It was Ok, nothing new
Was a good read but more of a general guide and nothing out of the ordinary. Will recommend for young persons who’re in college.
Was a good read but more of a general guide and nothing out of the ordinary. Will recommend for young persons who’re in college.
October 11, 2020
It was ok if you only had money to do what she said .
August 21, 2019
After reading “how to stop living paycheck to paycheck” and being impressed with Breyer’s easy-to-understand writing style regarding the sensitive topic of money, I read through How to be Debt Free. I am so impressed. I have recommended this book to several friends already. You get resources with the book- which is a huge win. But also, I’ve NEVER liked snowball method and I’m so RELIEVED to see Breyer explain through an interest-rate based method and explain the numbers.
She’s got a similar worldview as I do, which I imagine help. It isn’t about motivating yourself for your future or current family or trying to be a millionaire. It’s a very simple and to the point breakdown of these ideas, and encourages you not to destroy yourself saving money... but also holds you accountable! I feel encouraged, equipped, and hopeful to pay off my debts.
She’s got a similar worldview as I do, which I imagine help. It isn’t about motivating yourself for your future or current family or trying to be a millionaire. It’s a very simple and to the point breakdown of these ideas, and encourages you not to destroy yourself saving money... but also holds you accountable! I feel encouraged, equipped, and hopeful to pay off my debts.
January 1, 2020
A practical read with a special focus on fiscal habits and specifically, debts that tend to be carried. The author really shed some light on the difficulties that abound when one finds themselves in debt and there were many concrete solutions to minimizing the impact of debt daily. Perhaps what was most useful was the step-by-step guidelines which are foolproof and easily understood to challenge personal habits and make lasting changes.
March 6, 2019
It was an ok book. The last book I read from her was a little more useful with the money tracker.
April 28, 2017
Fast read with good advice
I already knew a lot of this advice, and it's nice to have it reinforced. I also started using the Debt Destroyer. It's a very simple tool. Sometimes that's what works best.
I already knew a lot of this advice, and it's nice to have it reinforced. I also started using the Debt Destroyer. It's a very simple tool. Sometimes that's what works best.
Displaying 1 - 21 of 21 reviews