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Getting Out Of Debt: Money Management: You Cannot Afford to Wait Any Longer: Rich or Poor, 9 Simple Rules to Clear Your Debts Faster, Rebuild Your Credit
Get your finances in order, pay off all debt, and finally have peace of mind… Have you been feeling anxious and losing sleep, worrying about paying just the minimum monthly payment on all your bills?
Have you been avoiding phone calls, fearing that it may be debt collectors calling?
Have you stopped opening your mail because you feel so overwhelmed with all the bills you have to pay?
Living with all this fear and anxiety takes a toll on your physical and mental health, which can affect your relationships, your career and your future.
In fact, you are probably having a hard time even visualizing the future, let alone plan for it, when you are struggling to get by today.
You don’t have to live like this for the rest of your life.
And waiting to get started will only make it more difficult to get out.
You can take small steps today to start working your way towards fixing your finances and finally paying off your debt.
In Getting Out of Debt, you will
The harmful mindsets that keep you stuck in a vicious debt cycle, and how to get out of it An easy-to-follow guide showing you exactly how to start fixing your finances The simple trick that will give you at least $200 extra cash each month The #1 thing you must do before paying off debt What Warren Buffett has done for over 60 years that you can easily do today to avoid future debt Proven debt payment strategies recommended by personal finance experts to slash your debt significantly every month When you can borrow again (it’s not never!) And much more.
You may have doubts right now, and that’s perfectly normal. You’ve been living with debt for so long that you can’t imagine what life would be like without it.
But it is possible.
Even if you live on a low income…
Even if you have a family to support…
Even if you don’t know where to start…
By taking your first step now, you will be one paid bill closer to freedom, and one deep breath closer to a life without financial burdens.
If you want to fix your finances and stop living with debt-related anxiety and stress, then scroll up and click the “Add to Cart” button right now.
Have you been avoiding phone calls, fearing that it may be debt collectors calling?
Have you stopped opening your mail because you feel so overwhelmed with all the bills you have to pay?
Living with all this fear and anxiety takes a toll on your physical and mental health, which can affect your relationships, your career and your future.
In fact, you are probably having a hard time even visualizing the future, let alone plan for it, when you are struggling to get by today.
You don’t have to live like this for the rest of your life.
And waiting to get started will only make it more difficult to get out.
You can take small steps today to start working your way towards fixing your finances and finally paying off your debt.
In Getting Out of Debt, you will
The harmful mindsets that keep you stuck in a vicious debt cycle, and how to get out of it An easy-to-follow guide showing you exactly how to start fixing your finances The simple trick that will give you at least $200 extra cash each month The #1 thing you must do before paying off debt What Warren Buffett has done for over 60 years that you can easily do today to avoid future debt Proven debt payment strategies recommended by personal finance experts to slash your debt significantly every month When you can borrow again (it’s not never!) And much more.
You may have doubts right now, and that’s perfectly normal. You’ve been living with debt for so long that you can’t imagine what life would be like without it.
But it is possible.
Even if you live on a low income…
Even if you have a family to support…
Even if you don’t know where to start…
By taking your first step now, you will be one paid bill closer to freedom, and one deep breath closer to a life without financial burdens.
If you want to fix your finances and stop living with debt-related anxiety and stress, then scroll up and click the “Add to Cart” button right now.
126 pages, Kindle Edition
First published October 4, 2020
153 people are currently reading
21 people want to read
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Displaying 1 - 13 of 13 reviews
June 8, 2024
Mes amies savent que j’ai des petites dettes. Le contenu du livre ne m’a donc pas été utile parfois parce que c’est davantage pour des gens qui se trouvent très endettés. Je n’aime pas cette facilité que j’ai à utiliser le credit et je me suis dit qu’un livre comme ça allait m’aider. Je crois qu’il la fait, il y a beaucoup de conseils de base aussi qui sont très intéressants
October 14, 2020
This financial self-help book is very well written and well referenced. It elaborates in great detail on the “Keep up with the Joneses” syndrome as well as other causes of excessive debt. There is an appropriate amount of repetition, and irrelevant side stories often filling up self-help books are avoided. More than figures, how you feel about debt is addressed, including emotional stress, fear anger, shame, frustration, etc. The basic challenge is: “Think about what is triggering your spending and deal with it”. One minor quibble is that Chapter 3 starts out by saying “Ten ways to help you get out of debt” will be discussed, then lists only three. Also, the title says “9 Simple Rules …” I cannot find this list of 9. Chapter 4 is a good general guide to any type of negotiating. Both “good debt” and “bad debt” are defined and discussed. The idea is that mortgage debt and student loans are good debt, because you are building towards a future. My only disagreement is that student debt is treated as a “Yes” or “No” decision. My belief is that in fact many students are simply taking on TOO MUCH student debt. In this case, an ounce of prevention is worth a pound of cure. Why live easy for 4 years only to then suffer for 10 – 20 years? Overall, the book is thorough and the outline is logical, discussing all aspects that need consideration.
December 17, 2020
Reads Like a College Research Paper
As someone who lives with a partner who struggled with debt, I was very curious about this book. Unfortunately, I was disappointed. The book appeared to have a good basic structure, but the writing itself was very poor. Honestly, it read like someone's College research paper on getting out of debt, with references in statistics but little that was practical until after the Midway point of the book. I think that “advice” nonfiction needs to be immediately applicable. While statistics or studies can be interesting, they aren't necessarily something that can be put into play usefully. Having read several other books on debt, I found the author's suggestions to be ordinary and typical of what these types of books offer. He didn't offer his own personal wisdom and insights. If you are hoping to get out of debt, I recommend finding a more well-written book.
As someone who lives with a partner who struggled with debt, I was very curious about this book. Unfortunately, I was disappointed. The book appeared to have a good basic structure, but the writing itself was very poor. Honestly, it read like someone's College research paper on getting out of debt, with references in statistics but little that was practical until after the Midway point of the book. I think that “advice” nonfiction needs to be immediately applicable. While statistics or studies can be interesting, they aren't necessarily something that can be put into play usefully. Having read several other books on debt, I found the author's suggestions to be ordinary and typical of what these types of books offer. He didn't offer his own personal wisdom and insights. If you are hoping to get out of debt, I recommend finding a more well-written book.
February 5, 2021
Very Helpful
I have had the unfortunate experience of being head deep in debt. I had to learn the hard way to dig myself out. I picked up this book because I have others around me steeped in debt and wanted to see the clear principles that could be applied to help without using my personal experience alone.
I am not a US resident, yet there are many take away principles I got from this book. The 50-30-20 rule, for example, is pretty general regardless of where in the world you are. The info on investing and building wealth is priceless. I like the authors choice to weave his own experiences into the narrative. It is quite obvious that experience and much research is at the foundation of this book and it will be very helpful to those who are drowning in debt. There is a bit of fluff but overall the book is quite informative.
Good luck applying these principles to get out of debt. We all deserve a second chance...no pun intended.
I have had the unfortunate experience of being head deep in debt. I had to learn the hard way to dig myself out. I picked up this book because I have others around me steeped in debt and wanted to see the clear principles that could be applied to help without using my personal experience alone.
I am not a US resident, yet there are many take away principles I got from this book. The 50-30-20 rule, for example, is pretty general regardless of where in the world you are. The info on investing and building wealth is priceless. I like the authors choice to weave his own experiences into the narrative. It is quite obvious that experience and much research is at the foundation of this book and it will be very helpful to those who are drowning in debt. There is a bit of fluff but overall the book is quite informative.
Good luck applying these principles to get out of debt. We all deserve a second chance...no pun intended.
January 31, 2022
Comprehensive primer to become debt-free and prosper
This book offers a comprehensive range of options for getting out of debt, staying out of debt, and even building wealth.
This was informative, non-judgmental, and not preachy, as for the most part it simply lays out the options and lets the reader decide the best approach. For example, rather than advocate for the “snowball” method over the “avalanche” strategy for eliminating debt, as some authors might, it acknowledged that the snowball method is motivating, while the avalanche strategy saves you more money. I also liked how early on he gave attention to the various emotional aspects of having debt, which very much rings true. My only tie-up was when the author recommended a debt settlement company as the best debt settlement strategy; such companies settle at high percentages (e.g., 70%), can be risky, and can take years.
All in all, a great primer for those wanting to get out and stay out of debt.
This book offers a comprehensive range of options for getting out of debt, staying out of debt, and even building wealth.
This was informative, non-judgmental, and not preachy, as for the most part it simply lays out the options and lets the reader decide the best approach. For example, rather than advocate for the “snowball” method over the “avalanche” strategy for eliminating debt, as some authors might, it acknowledged that the snowball method is motivating, while the avalanche strategy saves you more money. I also liked how early on he gave attention to the various emotional aspects of having debt, which very much rings true. My only tie-up was when the author recommended a debt settlement company as the best debt settlement strategy; such companies settle at high percentages (e.g., 70%), can be risky, and can take years.
All in all, a great primer for those wanting to get out and stay out of debt.
December 16, 2020
Good Beginner Book
I would recommend this book to those new to personal finance and even high schoolers as well. The author goes over a lot of topics but doesn’t go too deep. My only quibble is that he recommends consolidated loans as a good way to pay off debt. I disagree with this as many personal finance advisors have recommended against consolidating.
I think the author could engage his readers more by sharing his own personal journey or stories.
I would recommend this book to those new to personal finance and even high schoolers as well. The author goes over a lot of topics but doesn’t go too deep. My only quibble is that he recommends consolidated loans as a good way to pay off debt. I disagree with this as many personal finance advisors have recommended against consolidating.
I think the author could engage his readers more by sharing his own personal journey or stories.
June 17, 2021
This is a really great book on budgeting in modern day. It covers the old world techniques like envelopes to sort money for budgets. Yet it then goes into more modern details like how to protest errors on your credit report, and limit bad debts. The hardest part of budgeting is just doing the work of tracking your spending, and this can be good inspiration for the task. Hear my full review on YouTube at user Andrea Menzies or my podcast episodes at FH7PUBLISHING.com
May 9, 2024
I have had some financial issues and downloaded Getting Out Of Debt by Michael Steven. This financial self-help book offers a comprehensive guide to understanding and managing debt, addressing emotional and practical aspects. At the same time, it provides clear solutions and valuable insights, but some minor discrepancies exist, such as promised lists not being fully delivered and differing opinions on debt consolidation. I recommend it for anyone looking to gain control of their finances.
May 7, 2023
Very good about saving, wealth and investing
This book show me that saving is that foundation for whealt. Thos book also a good resource about guide you about where to beging an investing journey
This book show me that saving is that foundation for whealt. Thos book also a good resource about guide you about where to beging an investing journey
October 13, 2025
Lots of regurgitated mainstream information
This book has the same mainstream outdated information, only less elegantly phrased. If you are looking to her a remix of Ramsey and Orman dive right in.
Read at your own risk.
This book has the same mainstream outdated information, only less elegantly phrased. If you are looking to her a remix of Ramsey and Orman dive right in.
Read at your own risk.
December 17, 2020
Easy to folllow
Enjoyed this book very much. It had some great points and easy advice to follow in any situation. It gave great options to reduce debt.
Enjoyed this book very much. It had some great points and easy advice to follow in any situation. It gave great options to reduce debt.
December 31, 2020
Good value
Michael made a difficult subject simple to understand. He uses simple and easy to follow solutions to complex
Debt problems.
Michael made a difficult subject simple to understand. He uses simple and easy to follow solutions to complex
Debt problems.
December 15, 2021
Good Resource for Anyone Struggling with Debt
Well written, with easy to understand concepts that if followed will help anyone become free of debt and move toward a solid financial position. The book also has some excellent advice on how to begin investing once you’ve gotten free from debt. Well worth reading if you are struggling with debt or wanting to begin investing.
Well written, with easy to understand concepts that if followed will help anyone become free of debt and move toward a solid financial position. The book also has some excellent advice on how to begin investing once you’ve gotten free from debt. Well worth reading if you are struggling with debt or wanting to begin investing.
Displaying 1 - 13 of 13 reviews