Are you limping towards the big three-oh one minimum payment at a time?

Are you “on your own” but still asking your parents for cash each birthday?

Do you crumple up your ATM receipts to avoid looking at the balance?

Are friends in the same income bracket beginning to pull ahead of you?

If you’re young, smart, and drowning in debt, Debt-Free by 30 offers a practical, step-by-step plan to help rescue you from the financial abyss. Written by two twentysomethings who found their way back from the horrors of overwhelming debt, this authoritative guide reveals the secrets of debt-free living:

*The Seven Debtly Sins-and how to avoid them at all costs
*Where Does All the Money Go?-taking your financial inventory
*Everything You Always Wanted to Know About Banking but Feared Being Bored out of Your Skull
*Beating Credit Cards at Their Own Game-how to save hundreds of dollars in interest in less than five minutes
Plus tips for

* Driving for less
* Keeping more of what you earn
* Life after debt
. . . and much, much more

Featuring financial IQ Quizzes, no-brainer savings advice, and painless ways to spend less, Debt-Free by 30 will put you back in control of your money-and your life.

A Clear and Effective Approach to Learning DBT Skills

First developed for treating borderline personality disorder, dialectical behavior therapy (DBT) has proven effective as treatment for a range of other mental health problems, especially for those characterized by overwhelming emotions. Research shows that DBT can improve your ability to handle distress without losing control and acting destructively. In order to make use of these techniques, you need to build skills in four key areas-distress tolerance, mindfulness, emotion regulation, and interpersonal effectiveness.

The Dialectical Behavior Therapy Skills Workbook, a collaborative effort from three esteemed authors, offers straightforward, step-by-step exercises for learning these concepts and putting them to work for real and lasting change. Start by working on the introductory exercises and, after making progress, move on to the advanced-skills chapters. Whether you are a professional or a general reader, whether you use this book to support work done in therapy or as the basis for self-help, you’ll benefit from this clear and practical guide to better managing your emotions.

This book has been awarded The Association for Behavioral and Cognitive Therapies Self-Help Seal of Merit — an award bestowed on outstanding self-help books that are consistent with cognitive behavioral therapy (CBT) principles and that incorporate scientifically tested strategies for overcoming mental health difficulties. Used alone or in conjunction with therapy, our books offer powerful tools readers can use to jump-start changes in their lives.

Find more help online at cbt-self-help-therapy.com. CBT Self-Help Therapy offers web-based treatment for borderline personality disorder (BPD) and emotion dysregulation based on the book The Dialectical Behavior Therapy Skills Workbook. This interactive program can be used by clients working on their own, or their therapists can monitor their work on the secure server. Other modules in CBT Self-Help Therapy offer treatment for stress, anxiety, depression, and anger.