A simple, proven-effective formula for freeing yourself from debt—and staying that way • Revised and updated, with a new Preface by the author
“A must read for anyone wanting to get their head above water.”—The Wall Street Journal
THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION
OUT OF THE RED
• Do this month’s bills pile up before you’ve 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 of your revolving charge accounts keep rising?
INTO THE BLACK
Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty 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 payback 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 success of the Debtors Anonymous program.
This is a classic and groundbreaking book book that has been in continuous print since 1988, was revised and updated in 2003 and again in 2012, is now in its 60th printing and has sold more than 500,000 copies.
It hovers steadily between 40,000 and 60,000 in the paid U.S. Kindle store and as of this moment shows itself ranked thus in paid sales in these categories:
#6 in Kindle Store > Kindle eBooks > Business & Money > Personal Finance > Credit Ratings & Repair
#16 in Kindle Store > Kindle eBooks > Business & Money > Personal Finance > Budgeting & Money Management > Budgeting
#31 in Books > Business & Money > Personal Finance > Credit Ratings & Repair
The book has garnered 114 reviews on the Amazon.com site to date, with the very large majority of them 5 Stars.
It is also a strong seller in the U.K.
This is a clear, well-written, powerful and effective book appropriate to any country in which a percentage of the population is carrying any amount of personal debt and have concerns about that.
This is a book about debt and about freeing yourself from debt—forever.
You, like me, like every other American, are either:
1. Overwhelmed by your debts
2. Sometimes uneasy about them and worried that you might be getting in too deep
3. Or you have a surplus of money and rarely think about debt or credit at all
Most of us fall into the first or second of these groups. If you do, then this book is for you. It will teach you step by step how to liberate yourself from debt, stay free of it forever, and live a life of prosperity and abundance from then on. Even if issues of debt and credit are largely irrelevant to you, you’ll still find valuable material here that will help you manage your money more effectively, bring more of it in, and use it in more pleasurable ways.
I first wrote this book in 1986, at the end of my own long spiral downward into debt and into the pain and even despair that inevitably accompany it. The power of the concepts and techniques I presented here for stopping that terrible decline, getting free of debt, and learning how to live prosperously has been proved repeatedly since then by the hundreds of thousands of men and women who have used them to do just that and who are using them to do so today. For many, these concepts and techniques have become a way of life, as they have for me.
The book is even more relevant now, to more people, in this new and third edition than it was back then and again in 2003, the first time I revised and updated it. In the past quarter of a century, personal debt has simply grown larger and more pervasive. In both boom times and lean times. It hasn’t mattered whether jobs were plentiful or scarce. It hasn’t...
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Chinese
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Already translated.
Translated by Snow X. McDonald
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Spanish
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Already translated.
Translated by Alma Alexandra García Martínez
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Author review: Alma completed a translation of this book (a somewhat challenging nonfiction work) that was elegant, lovely, and graceful, and true not only to the content of the book but to its spirit as well. As a friend of mine, a very literate and native-born Spanish speaker who interprets for the UN, said to me after a reading a portion of the translation: the work was beautiful, even lyrical, and sounded as true to my voice as if I myself had written it in Spanish. Alma met all deadlines and was a pleasure to communicate with along the way. I cannot recommend her highly enough. She created a truly wonderful translation, and I plan to use her for all my other nonfiction works going forward - and only hope that she has the time for them as each comes up. |
