We have all read the headlines featuring a fortunate college-bound student who received $100,000 or more in scholarship awards. Assuming that the scholarships were renewable annually, this amount could easily pay for four years of college at any American college or university. However, these success stories are the exception, not the rule. They are aberrations among the pool of millions of aspiring college students who submit scholarship applications to the hundreds of companies, foundations and non-profit groups that offer them. The reality is a much different, and sobering, picture. According to federal government estimates, the average undergraduate who borrows money to pay for college graduates with about $28,400 in student loan debt. 101 Scholarship Applications: What It Takes to Obtain a Debt-Free College Education was written specifically to address the issue of college loan debt, and help students and their parents identify scholarship opportunities, as well as develop strategies for submitting applications and winning awards. This book’s author, Gwen Richardson, is a parent who spent nearly two years carefully researching scholarship sources for her teenage daughter, who entered college debt-free as a freshman. The highlight of this book is a comprehensive listing of more than 200 scholarship sources, including award amounts, eligibility requirements and direct web site links. All sources have been vetted and researched for accuracy.

While financial disharmony can blow a marriage apart, financial harmony can bind it together. In this highly practical book, Mary Hunt helps couples bring the principles of intimacy-the foundation for harmony and debt-free living-into management of their money. These principles include acceptance, freedom, safety, and honesty in money matters, creating an atmosphere that unifies two lives into one.

Debt-Proof Your Marriage is packed with real-life advice that infuses readers with hope and direction. It covers everything couples need for managing their money in harmony, including how to:

* reconcile different money behaviors and beliefs
* let go of financial fears
* understand the basics of practical money management
* share financial work between two people
* manage roller coaster income
* successfully live debt-free

Hunt’s essential guide will help couples protect both their marriage and their money. With the interactive workbook, it’s ideal for small group study or pre-marital counseling as well.

Cam Reynolds has a problem. When Cam’s longtime boss Tom Colcetti dies and leaves control of his criminal organization to his predatory son Tommy, Cam may finally get the chance to run a crew of his own. But Tommy has his eyes on new business horizons, and Cam just made a mistake that could destroy Tommy’s heavy-hitting new partnership. Now Cam must struggle against violent forces of betrayal, lust, and greed as he attempts to either salvage his career, or get out of the game with his life still intact.

Drawing on his personal experience and years as a pastor, public policy maker, and community leader, DeForest “Buster” Soaries, Jr. shares the twelve steps to achieving financial freedom in this groundbreaking, life-changing book—Say Yes to No Debt.

“The idea that debt is actually slavery is offensive to all of our sensibilities,” says Soaries, “but when we continue to spend what we don’t have, charge what we don’t need, and borrow more than we can repay, then we must call the problem what it is: slavery. Eliminating debt is the first step toward financial freedom. And we can do it.”

This is not another financial literacy program assuming that all people need is information. Soaries believes living in debt is an emotional, spiritual, and psychological problem as much as it is an educational and informational one.

Here, Soaries shares the twelve steps to financial freedom that have helped families in hundreds of churches. By replacing the “get more money” mentality with a “get out of debt” approach to financial freedom, not only were thousands of people able to become debt free, church’s that have used the dfree® strategy have experienced increased giving by their members.

Find out how you can leave a financial legacy of your own by saying yes to no debt.

Says Soaries: “There may be no greater need than to understand that debt-free living is the first step toward financial freedom. And the result is that we can enjoy life and leave a real legacy for our children.”

In the wake of the global financial crisis, most of the discussion has been focused on questions of debt. And the response, almost uniformly, has been austerity and privatization: cuts to services that have been painted as forms of reckless spending by a bloated public sector. In Debt or Democracy, Mary Mellor turns the whole conversation upside down, showing that the important question is not who owes what, but who controls the creation and circulation of money in the first place. When the problem is examined from that angle, it becomes clear that privatization, far from being the answer to our problem, is the very source of it—the subordination of public finance to private interest.
 
A direct challenge to conventional economic thinking, Debt or Democracy offers a bracing new analysis of our economic crisis and offers cogent, radical alternatives to create a more just and sustainable economic future.

Popular blogger Anna Newell Jones of AndThenWeSaved.com delivers this self-help manifesto that reveals how a “spending fast” will help you get on the road to living debt-free.

In 2009, young photographer Anna Newell Jones was rapidly suffocating under the weight of too much debt. An inveterate “spender,” she was in way over her head, to the tune of almost $24,000. She knew her debt was only going to get worse if she didn’t take action, but she didn’t know where to look for help. On a whim, Anna decided to go on a spending fast—an idea she heard in passing but knew little about. Creating her own method, she learned what worked and what didn’t and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in only 15 months! She was interviewed in Forbes, Self, Glamour, Good Housekeeping, and the Chicago Tribune.

Anna’s journey inspired people and showed them that they too could change the way they dealt with their own money woes. The Spender’s Guide To Debt-Free Living takes readers through a detailed step-by-step plan on how to do a Spending Fast and get out of debt, including:

Creating a personalized Debt-Free Life Pledge. Understanding where your money is going when you’re in debt, and where it will come from to pay it off. Learning why putting money into a savings account before (or while) paying off debt may not be the best idea for you. Finding additional income sources and generating side gigs. Re-integrating spending into your life once you’re out of debt, so that you stay out of debt.

Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender’s Guide to Debt-Free Living proves that you don’t have to win the lottery or get a new job to change your life.

In difficult times, debt can be a matter of life and death, happiness and despair. Controlling debt can bring order and calm. Mastering debt can bring wealth and success. As bestselling Rich Dad Poor Dad author Robert Kiyosaki says, “Good debt makes you rich and bad debt makes you poor.”

The ABCs of Getting Out of Debt provides the necessary knowledge to navigate through a very challenging credit environment. A Rich Dad Advisor and best selling author of numerous business books, Garrett Sutton, Esq. and contributorGerri Detweiler, clearly speak on the key strategies listeners must follow to get out of debt. From there, the listener learns how to beat the lenders at their own game, and how to understand and repair your own credits. Using real life illustrative stories, Sutton shares how to deal with debt collectors, avoid credit scams, and win with good credit.

The times call for a book that offers hope and education on mastering credit and getting out of debt.

Discover How To Effectively Get Out Of Debt Forever

Finding yourself in debt can be extremely frustrating. It causes so much unwanted stress in someone’s life, it is almost unbearable. Most people do not know how to manage their money. They lack the knowledge that will help them get their dream house, dream car, ext. Trying to get out of debt is a long frustrating process, but it does not always have to be this way.

This book contains powerful strategies that can be used to effectively get out of debt and become financially independent in as little as 30 days. It is time to make that big decision and change your life forever. The various strategies in this book are specifically designed to help you achieve your goal.

Here Is A Preview Of What You’ll Learn…

How to get out of debtBudgetingHow to create a planRecognizing what you are doing wrongHow to save moneyHow to stay motivatedHow to face the problem head onMuch, much more!

There are ?financial experts” who advise people to take out their credits cards and cut them up. And that may be a good plan for someone who is financially irresponsible, it’s not great advice for someone who wants to build wealth and become financially free. Cutting up your credit cards won’t make you rich; learning to leverage and manage debt will.

If a person has a solid financial education they will know that there are two kinds of debt: good debt and bad debt. A person who understands debt will know how to use good debt to make them richer faster. And when we take control and learn to manage bad debt, seeing it for what it is and understanding the toll it can take if abused, we are on the road to financial freedom.

Learn how to make your money work hard for you? instead of you working hard for money all your life. Understanding debt and how to use and leverage it is an important first step.

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