Shipping imperfect software is like going into debt. When you incur debt, the illusion of doing things faster can lead to exponential growth in the cost of maintaining software. Software debt takes five major forms: technical, quality, configuration management, design, and platform experience. In today’s rush to market, software debt is inevitable. And that’s okay—if you’re careful about the debt you incur, and if you quickly pay it back.


In Managing Software Debt, leading Agile expert Chris Sterling shows how understanding software debt can help you move products to market faster, with a realistic plan for refactoring them based on experience. Writing for all Agile software professionals, Sterling explains why you’re going into software debt whether you know it or not—and why the interest on that debt can bring projects to a standstill. Next, he thoroughly explains each form of software debt, showing how to plan for it intelligently and repay it successfully. You’ll learn why accepting software debt is not the same as deliberate sloppiness, and you’ll learn how to use the software debt concept to systematically improve architectural agility. Coverage includes


Managing tensions between speed and perfection and recognizing that you’ll inevitably ship some “not quite right” code Planning to minimize interest payments by paying debts quickly Building architectures that respond to change and help enterprises run more smoothly Incorporating emergent architecture concepts into daily activities, using Agile collaboration and refactoring techniques Delivering code and other software internals that reduce the friction of future change Using early, automated testing to move past the “break/fix” mentality Scripting and streamlining both deployment and rollback Implementing team configuration patterns and knowledge sharing approaches that make software debt easier to repay Clearing away technical impediments in existing architectures Using the YAGNI (“you ain’t gonna need it”) approach to strip away unnecessary complexity


Using this book’s techniques, senior software leadership can deliver more business value; managers can organize and support development teams more effectively; and teams and team members can improve their performance throughout the development lifecycle.

Struggling with debt?

Frustrated about work?

Just not satisfied with life?


“Trent Hamm set out to boost his happiness by freeing himself from debt. This account of how he succeeded, and how he was able to construct the life he’d always wanted, will inspire readers to put his ideas to work in their own lives.”

–Gretchen Rubin, author of the #1 New York Times best seller, THE HAPPINESS PROJECT


“The Simple Dollar paves the way to an uncluttered financial and richly rewarding life. Trent’s experiential advice prepares readers for the expected–and most importantly the unexpected–complexities of the modern economic world. Live debt free, mind the gap, and find a framework to get the secure and happy life you desire.”

–Erin Rooney Doland, author of Unclutter Your Life in One Week and Editor-in-Chief,


“If you feel like your finances are out of control, read The Simple Dollar. Trent Hamm burns with the unforgettable fire of someone who has gone from debt to wealth, and this book can inspire you to do the same.”

–J.D. Roth, author of Your Money: The Missing Manual and editor of


The Simple Dollar can change your life.

Trent Hamm found himself drowning in consumer debt, working in a job he couldn’t stand… and figured out how to escape that debt and build the fulfilling career he’d always dreamt about, all at the same time.


Hamm shared his experiences at—and built it into one of America’s top personal finance websites. Now, The Simple Dollar is a book: packed with practical tips, tools, and lessons you can use to transform your life, too.


This isn’t just “another” personal finance book: it’s profoundly motivating, empowering, practical, and 100% grounded in today’s American realities. Trent Hamm will show you how to rewrite the rules, creating healthier relationships with money… and with your loved ones, too. With his help, you can get out of debt, start moving forward, and build the strong personal community that offers true happiness—no matter what happens to the economy.


·        Escape the plastic prison, and stop running to stand still

5 simple steps to eliminate credit card debt… and 5 more to start moving forward


·        Shift your life’s balance towards more positive, stronger relationships

Learn how to put the golden rule to work for you


·        Discover the power of goals in a random world

Then, learn how to overcome inertia, and transform goals into reality


·        Navigate the treacherous boundaries between love and money

Move towards deeper communication, greater honesty, and more courage



If you had the damned money, you’d have paid it all off by now. I know this. So instead of telling you ways to scrounge up enough money to pay off your debts, I hope to convince you not to pay anything you cannot afford. I want you to keep as much of your stuff as possible while paying as little as possible of your own hard-earned cash. Most books that claim to be about getting out of debt are really just about good old-fashioned financial prudence. This one is not. It’s too late for that now. The Great Recession lingers, and even as our global financial institutions sit atop massive piles of taxpayer-funded bailout dollars, the ordinary people of America continue to struggle. Time for your bailout. Here is very simple, very practical, and most importantly a very realistic guide to the American legal process of enforcing debts. I am a debtor’s lawyer. This is what I do. Everything in this book comes from personal experience. I have helped hundreds of clients solve every sort of financial problem that people can encounter, and I have packed all of these lessons into this book. If you ever wanted to know things like: What happens if you don’t pay a debt? How do you fix broken credit? How can you keep your home from being foreclosed? What can I do about my student loans? Can they take my dog? Is bankruptcy a good idea or a horrible idea? What if I let the bank foreclose on my home? Will I ever be able to buy a car again? This book is for you.

I don’t know what I was thinking when I hired someone to attack me. Maybe I was bored, or lonely, or there was a void so deep inside of me that I needed something explosive to fill it. It was supposed to be safe. A thrill. A way to break through the monotony of everyday life. It was an illusion of danger that I could walk away from as soon as it was over. Except that it wasn’t. Because I had been in danger long before I ever invited it into my life. ——————— My mission is almost complete. The bubbling boil of vengeance that heats my blood might finally simmer. She is the last piece of the puzzle. Once I destroy her, everyone who ever hurt me will have paid their debt. It was supposed to be quick and easy, but as soon as I met her it got complicated. Very complicated.

Urban Fantasy with a Cyberpunk Twist
***Second Season of Debt Collector***              
Recommended: start with Season One. 
What’s your life worth on the open market?
In this gritty urban fantasy, debt collectors take your life energy and give it to someone more “worthy”… all while paying the price with black marks on their souls.
“Wraith is amazing and just as compelling as Lirium–once again I’m hooked!!” 
“I loved being back in this world! Wraith has captivated me.” 

Wraith is a shadow in the night, haunting the bedrooms of the rich “high potentials” who have stolen life energy from the desperate and dying. The justice and the sweet mercy hit that follow keep her from falling into her own personal abyss. Her secret nighttime work also keeps her on level for her real mission: carrying on her father’s legacy of attempting to bring an end to debt collection as a whole. But when a mysterious debt collector interrupts her in the act and discovers her secret, everything Wraith loves may be destroyed by the one thing she can never fix– the original sin of being a debt collector herself.

Contains mature content and themes.
2014 Semi-Finalist in Science Fiction in the Kindle Book Awards

The nine episodes of Season Two of the Debt Collector serial are collectively 127k words or about 468 pages. 
It is recommended that you start with the first season, but each season is a complete story for that debt collector and can serve as an entry point to the series. There are five planned seasons in the Debt Collector series, the first four each from the perspective of a different debt collector with the fifth season bringing all four together. 


Season One – Lirium – COMPLETE
Episodes 1-9: Delirium, Agony, Ecstasy, Broken, Driven, Fallen, Promise, Ruthless, Passion

Season Two – Wraith
10 – Wraith (10.20)
11 – Specter  (10.27)
12 – Menace (11.3)
13 – Temptation (11.10)
14 – Shattered (11.17)
15 – Penance (11.24)
16 – Judgment (12.1)
17 – Corruption (12.8)
18 – Atonement (12.15)
BOX SET (Vol 10-18) – (12.15)

Small island developing states (SIDS) are widely acknowledged to be among the most economically vulnerable in the world. As small open economies, SIDS are especially exposed to external shocks. The environmental, economic, and social difficulties stemming from climate change, rising sea levels, and natural disasters exacerbate the significant risks to the sustainable development of SIDS. In spite of the critical impact of high and rising debt levels on the developmental fortunes of these nations, very little comprehensive and rigorous academic research has been conducted on the nexus between debt and development in these vulnerable economies.

Debt and Development in Small Island Developing States draws on the expertise of established researchers and public officials from the SIDS community to answer the following questions: What has been the nature and extent of the debt experience in SIDS? What are the drivers of debt accumulation in such countries? What are the characteristics of SIDS that explain their propensity to indebtedness? And what are the prospects for debt sustainability in such countries over the medium term? This edited volume contributes to the literature by highlighting the essential elements of an agenda for achieving debt sustainability in SIDS.

What would you do if you had three days before your execution? Dylan Murphy wrote a book. Murder is an awful thing, but sometimes it can be the right thing. Dylan Murphy knows this, and it is why he never questions the charges that will leave him with a needle in his arm. It’s a story of the friendship that saved his life, and the friendship that will play a part in ending it. It’s about growing up, sometimes much more quickly than we plan. But mostly, it’s Dylan’s story.

Borrowing money is advertised as “easy”. So, why not do it? The truth is, taking out loans can create big problems for kids. Debt Dangers tells a great story about Chelsea and Jack saving money, living within their means, and why kids should avoid debt. A book in the series “Marvels of Money … for kids”; richly illustrated, engaging and practical fictional stories for young readers about the fundamentals of money. This book supports emerging educational (K-5) learning standards for common core, integrating “life skills” and “reasoning skills” into the fictional but realistic financial literacy stories. Each story in the series includes essential financial words, which are highlighted throughout each story and then defined in a glossary along with summary concepts at the end of each story. 3rd-6th grade level readers will find the 2,500 word story and numerical examples great for reading, mathematics, social sciences and financial literacy! Younger (K-2) readers may skim the concepts in a picture book manner, as there are incredible illustrations on each page. Great real-along and discussion books! Messages to last a lifetime.

Robert and Kim Kiyosaki Overcame Debt – And So Can You

There’s no denying it. Bad debt is a major epidemic in our world that cripples families and destroys people’s futures. Are you weighed down by what seems to be insurmountable bad debt? Do you lie awake at night sick with worry because of your bills? Do you think there is no way out for you? Guess again.

Successful entrepreneurs, investors, and authors, Robert and Kim Kiyosaki, have been through a lot together. From building companies, to losing them, from being rich to being flat broke. They have also been in debt before – a lot of debt. And now they are sharing their secrets on how to get out of bad debt with you in their audio CD program, How We Got Out of Bad Debt.

How We Got Out Of Bad Debt is a CD and workbook package that tells the story of how Robert and Kim got themselves out of over million in bad debt without resorting to bankruptcy – and how you can too.

So don’t let bad debt keep you down any longer. Learn how to put debt in its place with Robert and Kim Kiyosaki’s How We Got Out of Bad Debt.

“Neutering the National Debt” is a refreshingly different perspective on deficits, the national debt, and economic growth. The author uses clear language and practical examples from our everyday lives to shed a surprising new light on these topics. For example, his “nuclear war brain teaser” quickly reveals the dangerous paradox built into the idea of a balanced budget amendment. And that’s just one example of the author’s frontal assault on conventional wisdom; these pages hold many additional surprises. His argument should jolt all of us into rethinking many topics we had thought were settled, such as: the Reagan-era deficits; the Clinton-era surpluses; the “debt ceiling”; the supposed wisdom of “paying down the debt”; what he calls “the fairy tale of trickle-down economics”; and other talking points high on both parties’ political agendas. He explains how the USA has neutralized the perceived problems of deficits and debt in the past, and how we could do it again. In the final chapter he bluntly suggests how the Republicans and the Democrats could adjust their respective agendas in order to neutralize the national debt and clear the path to prosperity, then he finishes with his estimate of each party’s chances of pulling it off. As CNBC’s Larry Kudlow said, Steve sheds a brand new light on this subject, and shows that economic growth solves debt. This book is a must read for anyone who wants a new perspective on these topics; it’s a welcome escape from the tired, worn-out talking points we’ve been hearing from both parties for too long.