“Beverly Harzog is a credit warrior. She has gone into the arena, faced the lions, and emerged as one of the foremost experts in the field. I believe that her encyclopedic knowledge of the world of credit cards is unmatched.”
-Adam Levin, Chairman and Cofounder, Credit.com

Credit card expert Beverly Harzog shares how she went from being a credit card disaster to a credit card diva.

When Beverly got out of college, she spent the next 10 years racking up debt on seven credit cards. Credit card limits, she believed, were merely “guidelines,” certainly not anything to be taken seriously. . .especially if she was in dire need of a new pair of shoes. The fact that she was a Cpa at the time adds an ironic twist to the credit quagmire she slowly descended into.

In Confessions of a Credit Junkie, Beverly candidly details her own credit card mishaps and offers easy-to-follow advice, often with a touch of Southern humor, to help others avoid them. In this much-needed book, you’ll learn:

How to use the Credit Card Personality Quiz to choose the right credit cards
The seven ways to use a credit card to rebuild credit
How to get out of debt using a balance transfer credit card-and pay zero interest while doing it
Credit card strategies to save a bundle on groceries, gas, and more

Anyone in debt will benefit from the down-to-earth, practical tips Beverly offers.

How ANY student–including YOU!–can win scholarships and earn free money for college!

On the first day of high school, Kristina Ellis’s mom–a single, working mother who lost her husband to cancer–informed her that she could not financially support her after graduation. Kristina would need to find her own way to pay for college.

As an average student with less-than-impressive test scores, Kristina realized she would have to sell herself to scholarship committees if she wanted to stand out. That’s when she devised the plan that led to her receiving over $500,000 in scholarships–enough to pay for her full education at a top- 20 university, all the way through her doctoral degree, and make her dreams come true.

How she made it happen–and how you can too!–is the focus of this book. In Confessions of a Scholarship Winner, Kristina shares not just her little-known secrets for scholarship success but her incredibly inspiring story.

Together, you’ll explore how to:
Find the best scholarships for you Uncover the secrets behind paying for college Make a great impression in a scholarship interview Overcome the personal obstacles that stand in your way Craft a strategy that highlights your strengths, no matter your challenges or your financial status
You don’t have to be a star athlete, a top student, or a recognized leader to live your dreams! Here are the tools you need to catch a vision for your future and make your dreams a reality!

Endorsements

“Kristina Ellis’s story is absolutely inspiring. And the ‘insider’ information she presents in this book is just as motivating. If you’re looking for great ideas and easy-to-follow advice from somebody who has already blazed the scholarship trail, Kristina Ellis is the choice. Confessions of a Scholarship Winner is the only book you’ll need for creating your own path to success.”
–Curt Jones, Founder CEO, Dippin’ Dots Ice Cream

“I wish I had been given a copy of this book in high school– what an incredible resource for young people! Now everyone will understand that going to college really doesn’t have to leave you or your family in debt for years. Students and parents alike need to read Confessions of a Scholarship Winner!
–Brenna Mader, Miss Tennessee USA

“Confessions of a Scholarship Winner is a fantastic resource for anyone who wants to learn more about the college financial-aid and scholarship process for attending a college or university. Kristina’s personal story is both compelling and accessible, and her clear, thoughtful writing helps makes this an indispensable resource for the college-bound student.”
–Dr. Thomas Burns, Provost, Belmont University

“I love this easy-to-follow guide for finding and winning scholarships. Confessions of a Scholarship Winner is packed with information, yet it is presented so well that it’s not intimidating. It’s a fast read and easy to implement. Homeschool.com highly recommends it.”
–Rebecca Kochenderfer, Senior Editor and Co-Founder, Homeschool.com, Inc.