The staggering United States debt has a direct impact on every American, yet few are aware of where the debt came from and how it affects their lives
The United States has a debt problem—we owe more than $18 trillion while our gross domestic product, the value of all goods and services produced in America, is only $17.5 trillion. To pay down the debt, some recommend austerity, cutting federal expenditures. Others suggest increasing taxes, especially on the wealthiest Americans. In Understanding the National Debt: What Every American Needs to Know, economic historian Carl Lane urges that the national debt must be addressed in ways beyond program cuts or tax increase alternatives, but change can only occur when more Americans understand what constitutes our debt and the problems it causes. The gross national debt is composed of two elements: the public debt and “intragovernment holdings.” The public debt consists of bonds, bills, and notes purchased by individuals, banks, insurance companies, hedge and retirement funds, foreign governments, and university endowments. Intragovernment holdings refers to money that the U.S. Treasury borrows from other parts of the government, principally Social Security and Medicare. This accounts for approximately a quarter of the gross national debt, but that is money that we owe to ourselves, not another entity. The more the government borrows, the less is available for private sector investment, creating a “squeeze” effect that inhibits economic growth. The most burdensome problem is the interest due each year on the debt. Every dollar spent on interest is a dollar less for other purposes. Those elements of the federal budget which are termed “discretionary” suffer. The mandatory elements of the budget—Social Security, Medicare, Medicaid, and the interest on the debt—must be provided for, but defense and national security, education, energy, infrastructure repair and development, and other needs wind up with less. By understanding the national debt we have an opportunity to address our real debt challenge—its principal and interest.

Getting Your FREE Bonus

Download this book, read it to the end and see “BONUS: Your FREE Gift”chapter after the conclusion.

RV Living For Beginners:(FREE Bonus Included) Vital Things You Need To Know For Your Full Time Debt-Free RV Living

A guide that doesn’t disappoint, this book walks you through the fundamentals of RV’s and then some. These pages inform you of just how you can begin a lifetime of excitement traveling all over the country in your Recreational Vehicle while making sure that you live a life that is debt free.

Whether you are roughing it or more of a Glamper this book has everything you need to know to be able to live well within your means.

RV’s are called “Recreational Vehicles” because many wish to only take them out every once in a while, during the holiday or summer vacation excursions.

But these RV’s can be much more than recreational, they can be your fulltime home no matter where you park them, and this book teaches you how!

In this book we will learn about:

RV Maintenance Streamlining your Trip How to Keep a Budget Fuel Economy Free and Discount Parking And much more!

Download your E book ” RV Living For Beginners: Vital Things You Need To Know For Your Full Time Debt-Free RV Living ” by scrolling up and clicking “Buy Now with 1-Click” button!

In Debt: Slavery in Disguise, Obi Anukwuem captures the travails and triumphs of living the American dream. From his experiences, he sheds light on the traps that can ensnare us when we want to live well. He consciously and subconsciously allowed negative influences from people and things around him get him sidetracked, but he knew it was mostly his own doing. He forgot his own life and began to live other people’s lives in an effort to belong. Through poor judgment, indecisiveness, weak principles, and greed, he accumulated huge personal debt. He realized that his spending habits would make his debt matters only worse if he did not do something urgently about his debt. It stole his peace of mind many times. He did not cease until he found a way out of his bondage to debt. Even though he seemed to have stumbled into what promised to help eliminate his debt, he knew that it would take more than just a theory to tackle his problems.
The author believes that to do well in any area of life, we must be true to ourselves, be passionate about what we want, be decisive, and do right all the time. Our dreams, motivations, and aspirations have to always be at the forefront of our thoughts. Unless we change our mentality, life will always seem to be the same.
Through perseverance, huge sacrifice, and a desperate desire for a peace of mind, Obi and his family eliminated approximately $500,000 in personal debt in about three and a half years. He recalled a negative net worth just before this venture. Now, he no longer has to share his wealth with greedy creditors; his net worth is positive, no longer negative, and it continues on a healthy, upward trajectory.
His story can be yours as well.

Getting Your FREE Bonus

Download this book, read it to the end and see “BONUS: Your FREE Gift” chapter after the conclusion.

Motorhome Living for Beginners: (FREE Bonus Included)

50 Best Effective Life Hacks For Full Time RVing

This book runs the gauntlet when it comes to motor home living. Teaching you exactly what you need to know to start your own exciting life of freedom on the road with a motor home! If you enjoy the concept of camping but are not quite ready to just throw a sleeping bag down on the ground in the wild blue yonder, then a motor home is a good choice for you.

Motor Home’s or as they are sometimes called, “Recreational Vehicles” are the perfect combination of comfort and adventure when it comes to life on the road. With a Motor Home the whole world becomes conveniently within your reach for the fraction of the cost of other methods of sight seeing. This book goes to great length to discuss everything that you need to know in order to have a great time on the road!

How to maintain motor homes The rules and regulations of motor homes The best advice during your trip How to maximize storage space How to reduce expenses

Download your E book “Motorhome Living for Beginners: 50 Best Effective Life Hacks For Full Time RVing” by scrolling up and clicking “Buy Now with 1-Click” button!

If you are one of the millions of individuals that have outstanding debt, and would like to know what your rights are, this book is for you. In this book, you will get a basic understanding of what your rights are when debt collectors contact you. You will know if that letter you received in the mail is in compliance of with the law. As you read you will learn what your rights are while dealing with the collectors of this debt. When you are finished you will have the knowledge to defend yourself against any unscrupulous collectors. Should all else fail and the debt is overwhelming, you will gain the knowledge and understanding of your rights under the bankruptcy laws. You will gain insight into the applicable chapters of bankruptcy, which chapter is best for your situation. More importantly, you will learn how to navigate through the process without employing a costly attorney.

New York Times, Wall Street Journal & USA Today Bestselling Series. Seven books in total. This edition contains the first three:  Debt Inheritance “I own you. I have the piece of paper to prove it. It’s undeniable and unbreakable. You belong to me until you’ve paid off your debts.”  Nila Weaver’s family is indebted. Being the first born daughter, her life is forfeit to the first born son of the Hawks to pay for sins of ancestors past. The dark ages might have come and gone, but debts never leave. She has no choice in the matter. First Debt: “You say I’ll never own you. If I win–you willingly give me that right. You sign not only the debt agreement, but another–one that makes me your master until your last breath is taken. You do that, and I’ll give you this.”Nila Weaver’s family is indebted. Stolen, taken, and bound not by monsters but by an agreement written over six hundred years ago, she has no way out. Second Debt: “I tried to play a game. I tried to wield deceit as perfectly as the Hawks. But when I thought I was winning, I wasn’t. Jethro isn’t what he seems–he’s the master of duplicity. However, I refuse to let him annihilate me further.” Nila Weaver has grown from naïve seamstress to full-blown fighter. Every humdrum object is her arsenal, and sex…sex is her greatest weapon of all.

Money Management: How To Get Your Financial Life Back And Get Out Of Bad Debt Without Getting A Headache Over Money

You are about to discover what everyone must know about personal finance and effective money management without any unnecessary financial jargon coming your way. Plain and simple.

In Money Management: How To Get Your Financial Life Back And Get Out Of Bad Debt Without Getting A Headache Over Money you will learn about one of the most important, yet underrated subject that is ‘personal finance’. You will learn the various benefits of effective money management and how much of an impact it can make (becoming financially literate) in the quality of your life. We will go through the basics of money management and you will be able to evaluate your current financial situation.

Furthermore, you will be able to determine if you are living within your means by monitoring your income and expenses. We will then go into budgeting and you will learn how to create a budget that will fit your needs. You will be given a simple 6 step process to ensure that you fully understand how to prepare your budget and make any necessary changes. You will also learn some tips that should you implement, will help you live within your means (and even below, if that’s something that you feel is necessary in your current situation) while fulfilling your needs and of course always staying within your budget.

Being in debt can be stressful. However, there is a difference between good and bad debt (yeah, there is good debt too) and trust me, being in bad debt is even more stressful and completely unnecessary. We will go through some tips and strategies that if you are in debt, can help you to start getting rid of your debt and becoming once more financially healthy. Finally, you will learn 10 all powerful “money habits” that should you implement, can transform your financial life. Commit in adopting maybe only a few if not all of them and it won’t take long to begin reaping the rewards.

Here Is A Preview Of What You Will Learn… Personal Finance 101: Things You Didn’t Learn At SchoolHow To Evaluate Your Current Financial Situation: Are You Financially Fit?Monitoring Income And Expenses: Are You Living Within Your Means?Budgeting Explained: How To Create A Budget That Fits Your NeedsHow To Get Rid Of Bad Debt And Become Financially HealthyStick To It: 10 Powerful Money Habits That Can Transform Your Financial Life

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Author M. Kaye Hash spent several years getting into debt and many more learning how to get out, and stay out, of debt. She has learned how to live a fulfilling life; balancing financial stability with happiness and fun. Her successful website by the same name has allowed her to spread her love of frugal living to others. This book allows her to share even more of her life and the many things she has learned so that others can live a life free of financial worry. The Frugal Home gives tips and advice on saving money and getting out of debt. Learn how to save money in many areas such as grocery shopping, entertainment, holidays, moving, decorating, and more!

After learning how to curb her spending habits, Lauren Greutman shares her hard-earned knowledge on how to get out of debt and live without the financial pressures that many people face today.

A young married woman wants to live the American Dream: two fancy cars, custom built home, two-income household, a beautiful baby with another on the way. It’s a life with the bells and whistles that credit cards, bank loans, and money can buy. Then suddenly, the bubble bursts. The damage of overspending results in a mortgage underwater, a car towed away, $40,000 in debt, and a $1,000 a month deficit in family finances. Through trial and failure, Lauren curbed her spending addiction and successfully set up boundaries to keep her safe from her spending. In THE RECOVERING SPENDER, Lauren shares with readers her step-by-step program of how to exchange the over-rated, stressed-out American dream for a new one–a simpler, happier life with financial freedom.

In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom.

Inside Dear Debt you will learn to:
– Find the debt repayment strategy most effective for your needs
– Avoid spending temptations by knowing your triggers
– Replace expensive habits with cheaper alternatives
– Become a frugal friend without being rude
– Start a side hustle to boost your current income
– Negotiate your salary to maximize value
– Develop a financial plan for life after debt