In need of a Money Makeover?

Let America’s most popular cheapskate show you how to go from financial chaos to freedom and security–painlessly and in less time than you ever imagined.

Mary Hunt has helped thousands live a debt-free life with her popular newsletter, “The Cheapskate Monthly.” In The Complete Cheapskate, Mary puts all the very best money advice she has in one place. Becoming a classy, dignified cheapskate is not all that difficult, and Mary shows how with her user-friendly principles of saving, restraint, and living debt-free.

This book will teach you how to:
– Create–and stick to–a monthly spending plan
– Live well off 80% of your income
– Climb out–and stay out–of debt’s hole
– Stretch every dollar to its absolute maximum
– Manage savings and investments
– Lower bills on clothes, food, and gifts without lowering living standards
– Live within a financial plan that includes a margin for fun and spontaneity

With hundreds of tips on cutting expenses, The Complete Cheapskate is the indispensable guide for people ready to regain control of their finances, relieve the stress money has created, and prepare for their future.

The Great American Recession resulted in the loss of eight million jobs between 2007 and 2009. More than four million homes were lost to foreclosures. Is it a coincidence that the United States witnessed a dramatic rise in household debt in the years before the recession?that the total amount of debt for American households doubled between 2000 and 2007 to $14 trillion? Definitely not. Armed with clear and powerful evidence, Atif Mian and Amir Sufi reveal in House of Debt how the Great Recession and Great Depression, as well as the current economic malaise in Europe, were caused by a large run-up in household debt followed by a significantly large drop in household spending.

Though the banking crisis captured the public’s attention, Mian and Sufi argue strongly with actual data that current policy is too heavily biased toward protecting banks and creditors. Increasing the flow of credit, they show, is disastrously counterproductive when the fundamental problem is too much debt. As their research shows, excessive household debt leads to foreclosures, causing individuals to spend less and save more. Less spending means less demand for goods, followed by declines in production and huge job losses. How do we end such a cycle? With a direct attack on debt, say Mian and Sufi.  More aggressive debt forgiveness after the crash helps, but as they illustrate, we can be rid of painful bubble-and-bust episodes only if the financial system moves away from its reliance on inflexible debt contracts. As an example, they propose new mortgage contracts that are built on the principle of risk-sharing, a concept that would have prevented the housing bubble from emerging in the first place.

Thoroughly grounded in compelling economic evidence, House of Debt offers convincing answers to some of the most important questions facing the modern economy today: Why do severe recessions happen? Could we have prevented the Great Recession and its consequences? And what actions are needed to prevent such crises going forward?

Divorce Your Debt was written to help the reader identify the key areas and situations in his or her life that represents bondage and debt. As individuals, we find ourselves getting involved in toxic relationships with people, things, bad habits, and our past experiences. After a while, we tend to become unconsciously “married” to these toxic relationships. Divorce Your Debt is a spiritual, emotional, lifestyle, and financial (SELF) toxicology test. It will allow you to examine yourself and the unconscious toxic relationships you have formed in each of the four major areas of SELF. Divorce Your Debt is a guide to wholeness. It’s a declaration of independence and a decree to become free from “every weight that so easily besets us.” It’s a conscious choice to become liberated from the chains, bondage, and traps of the enemy. We all need to divorce or rid ourselves of something in our lives, so we can truly follow God’s will and please the Master. Divorce Your Debt will guide you from debt to deliverance so you can set your SELF free!

An exhaustive investor handbook presenting the first rigorous framework to value gold and understand gold attributes in an asset allocation. It also offers a unique perspective by taking a non-US centric view on gold investing. Contrary to popular beliefs, the US government is prone to default. Indeed, it has already defaulted in the past century (1934, 1971), incurring large losses on the back of non-residents. It is very likely it will continue to do so, and for non-US residents, holding gold is a low-cost insurance to holding US Treasuries.

Praise for Author’s Last Book:
“Confessions of a Credit Junkie is presented in a conversational tone, without confusion, techno-speak complexity or excessive industry jargon. The book breaks through delusion and naiveté and can, given a chance, inspire even the most wide-eyed spender to avoid the pit of debt that snared Harzog and so very many others.
–Creditcardinsider.com

If you’re in credit-card debt and you’re tired of being told that all you need to do is give up your daily latte–and cut up all your credit cards–this is the book for you.

Former credit junkie Beverly Harzog racked up thousands of dollars in credit-card debt during a decade of overspending. When she decided she wanted to break free from debt, she found that conventional advice about personal finance didn’t work for her.

So, Beverly created her own unique debt escape plan and succeeded in paying off more than $20,000 in credit card debt in two years.

In The Debt Escape Plan, you’ll find easy-to-follow advice, often laced with a touch of Southern humor, to help you conquer–and stay out of–credit-card debt.

In this much-needed book, you’ll learn:
Why a one-size-fits-all approach to credit card debt doesn’t work.
How to use the Money Personality Quiz to customize your own debt escape plan.
The nine biggest debt mistakes and how to overcome them.
Seven secrets for giving your credit score a quick boost.
how to overcome the hardships of medical bills.
How to debt-proof your future so this never happens to you again!

Europe is suffering from a bipolar economic disorder; one symptom of which is a sovereign debt crisis. The media have divided the continent into two groups of nations: center and periphery, not by geography but by credit ratings on national debt. European Debt Crisis: The Sovereign Debt Crisis – A Memorandum from the Periphery is a critical investigation of the root causes of the crisis, and the often misguided policy choices made to ‘resolve’ it.

Nobel Laureate Joseph Stiglitz addresses how regional debt contagion in Europe compares with regional financial crises elsewhere, while former Argentine Minister for Economics Roberto Lavagna provides a poignant comparative analysis with his own country’s experience. Crucially and uniquely, Portuguese, Greek, and Irish economists provide hard-hitting case studies that offer the perspective of the European ‘periphery’.

A much-needed book offering a heterodox economic perspective on the causes, symptoms, and solutions of the biggest economic issue currently facing Europe.

A trip to the underworld of debt collection, where bankers team up with ex-burglars and few rules apply

Bad Paper is a riveting exposé, a moving story of an unlikely friendship, and a gritty narrative of how scrappy entrepreneurs profit from our debts. Jake Halpern introduces us to a former banking executive and a former armed robber who become partners and go in quest of “paper”—the uncollected debts that are sold off by banks for pennies on the dollar. As Halpern shows, the world of consumer debt collection is a wild and unregulated shadowland, where operators may misrepresent a debtor’s situation, make illegal threats, and even lay claim to debts that are not theirs to collect in the first place. It is a realm of indelible individuals who possess a swagger and vocabulary that even David Mamet could not invent. Halpern follows his collectors as they intimidate competitors with weapons, manage high-pressure call centers, and scheme new ways to benefit from American’s debt-industrial complex. He also explores the history of collection agencies and reveals the human cost of a system that leaves hardworking Americans with little opportunity to retire their debts in a reasonable way. The result is a bravura work of storytelling that is also an important consciousness-raiser.

The financial crisis is destroying wealth but is also a remarkable opportunity to uncover the ways by which debt can be used to regulate the economic system. This book usesfour case studies of cooperatives to give an in-depth analysis on how they have braved the crisis and continued to generate wealth.

Is there a way to get out of debt without getting a second job or having to increase your income? Can the average Joe or Jane pay off their bills in a short period time? What about that mortgage or car payment? Could you pay those off as well? If you thought the answer was NO, you’d be wrong. The answer is a resounding YES! You may not be able to live an extravagant lifestyle for the time being and it will require some discipline but you can do it without having to cut out all of your fun and enjoyable activities. All you need is education, desire and a clear understanding of your options. That’s exactly what our new book “Debt Relief Secrets” provides you. You have probably heard the phrase, “…bad things happen to good people.” Every year there are more good people who experience bad things especially where it concerns finances. Many people find themselves trapped in a sea of debt and more aren’t sure how they even got there. We can all blame the creditors, and yes they certainly hold a big piece of the Blame Pie, but the bottom line is no one will help us unless we choose to help ourselves. For those people who do not have a complete grasp on how important it is to educate yourself about debt, don’t wait another minute! There really is no reason to live your life in constant fear of debtors. There is hope! Once you have a complete understanding of your debt you can begin to experience debt relief. Not only that but you will begin to see your debts reduce month by month. Almost before you know it, not only will your debt be eliminate but you will also find that your credit worthiness has grown tremendously. Don’t wait another minute. Grab your copy of “Debt Relief Secrets” and begin to experience your own results! You won’t believe the peace of mind you experience when you undergo the debt relief transformation!