If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:

figure out how much you’ve actually been spending
• calculate how much you owe—and what it’s costing you
• build a budget that works
• maximize your debt repayments so you can be free of consumer debt in 3 years or less
• prepare for a rainy day so it doesn’t mean a major setback
• set goals for your new, debt-free life.

Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.

THE 4 LAWS OF FINANCIAL PROSPERITY (Formerly The Four Laws of Debt Free Prosperity)

Inspired by actual occurrences, this entertaining and captivating book shows that how much a person earns isn’t nearly as important in achieving financial security as most people think-that nearly anyone, on any income, can achieve debt-free prosperity by applying the four laws in the story.

Inspired by a true story . . . you will discover four basic laws that will change your life.

Simple principles . . . learn how to implement the powerful core principles that financially successful people understand and live by to eliminate debt and accumulate wealth.

Change your financial life . . . anyone on any income can become debt-free and achieve financial independence by applying the principles from this book.

Thousands have bought for family members and friends! Over one hundred thousand copies sold worldwide!

The ABCs of Money offers the basic financial education that we all should have received in high school. Get: * Debt reduction tips that you’ll never learn from VISA. * Real estate solutions the bank will never offer. * Wall Street secrets your broker never tells you. * Energy saving tips worth thousands of dollars each year off of your bills As TD AMERITRADE chairman Joe Moglia says, “College students need this information before they get their first credit card. Young adults need it before they buy their first home. Empty nesters can use the information to downsize to a sustainable lifestyle, before they get into trouble.” Stop making everybody else rich and start scoring assets, gains and savings for yourself.

Discover the Top 5 Secrets to Graduating College Debt-Free! If you’ve ever wondered whether it’s true … REALLY TRUE … that … you can … • Graduate college owing little to NO debt … • Have someone else pay for your college education… • Not have your parents pay a single dime for your college education… • Get money for college without you having the highest GPA or SAT scores… • Get paid to go to college • Not have to worry or stress about how you will pay next semester’s tuition • Win scholarships when everyone else says it’s impossible or a waste of time … then … allow Shanice Miller to PROVE it to you. Shanice entered the summer before college without having any knowledge about college or scholarships and was easily on her way to being over $200,000 in debt when she graduated. After realizing just how much college was going to cost, she knew she had to do something fast so she started applying for scholarships. By graduation day, Shanice had graduated college 100% debt-free and had even received over $10,000 in refund checks from the college. What turned Shanice Miller around? The answers are between the covers of How to Graduate College Debt-Free With Money in the Bank. Now All of These College and Scholarship Secrets Are Yours!

A practical business cookbook on how to creatively collect debts from overdue customers using Asian and Western collection strategies. The author is an American living in Asia since 1995. Accounts receivables are most firms largest asset, and often it’s most unmanageable. This book shares ideas to improve your firm’s processes, people, and systems to reduce bad debts and increase sales and profits. A humorous, ‘how to’ book to put more money in your firm’s pocket while keeping you up-to-date in the field.

Most people are cautious about any advice they receive concerning their finances. But what if that advice were to come from the Holy Spirit, the third person of the Trinity? In The Holy Spirit, Your Financial Advisor, Dr. Creflo Dollar investigates what the Bible has to say about the role of the Holy Spirit in the area of making and keeping money and discovers some surprising truths.

In this book, readers will discover that the Holy Spirit will help them . . .

Know what God’s word says about the person and work of the Holy Spirit Hear and obey the guidance provided by the Holy Spirit Access supernatural power to manage money Apply practical knowledge to take control of finances Tap into the wisdom of total life prosperity Change a poverty mindset Discover God’s system of seedtime and harvest Practice true success Practical application questions and activities at the end of each chapter provide the reader with further helpful strategies for obtaining financial freedom.

With the economy reeling in the wake of the recent recession, many people are experiencing such financial challenges as credit card debt, downsizing, dead-end jobs, and inadequate or depleted savings. With these challenges come others as well. Recent studies confirm that more than half of all divorces are the result of financial pressures at home. And spiritually, many people are struggling to maintain a biblical perspective amidst the constant tug of materialism. But there is hope. The Bible has a lot to say about money. In fact, the Bible is a veritable blueprint for managing your finances. In Your Money Counts, trusted financial expert Howard Dayton shows you how to manage your personal finances in a highly practical, biblically-based way.

EXPLODING THE MYTHS ABOUT MONEY Our money system is not what we have been led to believe. The creation of money has been “privatized,” or taken over by a private money cartel. Except for coins, all of our money is now created as loans advanced by private banking institutions — including the private Federal Reserve. Banks create the principal but not the interest to service their loans. To find the interest, new loans must continually be taken out, expanding the money supply, inflating prices — and robbing you of the value of your money. Web of Debt unravels the deception and presents a crystal clear picture of the financial abyss towards which we are heading. Then it explores a workable alternative, one that was tested in colonial America and is grounded in the best of American economic thought, including the writings of Benjamin Franklin, Thomas Jefferson and Abraham Lincoln. If you care about financial security, your own or the nation’s, you should read this book.

Product Features

• Used Book in Good Condition

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.

Feeling overwhelmed by your debts? If you’re ready to regain your financial freedom, feeling the squeeze of the housing bust or simply get smarter about managing your money, you’ll find everything you need in this complete guide. Solve Your Money Troubles shows you how to:

. prioritize debts
. create a budget
. negotiate with creditors
. stop collector harassment
. challenge wage attachments
. contend with repossessions
. respond to creditor lawsuits
. qualify for a mortgage
. rebuild credit
. decide if bankruptcy is the right option for you

To make the process easier, Solve Your Money Troubles includes sample letters to creditors, as well as worksheets and charts to calculate your debts and expenses.