There is a desperate need for financial literacy in our hurting country. Faced with an unprecedented economic crisis, lives are being torn apart by huge mounds of personal and student loan debt. People are being destroyed by irresponsible spending and poor financial decision making. As discouraging as it all may seem, there are solutions to the fiscal problems that individuals face on a daily basis. Authors Norman and Olivia West were able to pay off $170,000 worth of debt in 8 years. They managed to eliminate off all of their student loan debt, credit card debt, car loans, personal loans, and will soon pay off their home, never making six figures, with no windfalls or handouts. In “Debt Free at 33: 33 Ways You Can Become Financially Free,” the authors combine their own monetary and life experiences with practical insight from renowned writers, pundits, and celebrities, and, of course, a wealth of financial teaching. The information presented equips readers with the tools necessary to assess and eliminate their debt. Readers will learn how to create and stick to a budget, shop for bargains, reduce outstanding debt, and much more. If you are tired of living paycheck to paycheck and struggling to make ends meet, this book is for you. “Debt Free at 33: 33 Ways You Can Become Financially Free” will help you to become a better money manager and obtain the financial freedom that has been so elusive to you in the past. So what are you waiting for? Get started on your debt free journey today!

In 2000, Julie and her husband, Mark, declared war on their debt credit cards, student loans, cars and the house. Seven years later, as they wrote the check for their last mortgage payment, God called them to adopt two children from Ethiopia. A few months later, with their income unexpectedly cut by two-thirds, they wondered if they could finish the adoption without crossing back over into the red.

When they brought Wendemagegn and Beza home 12 months later, Julie and her husband proved debt-free adoption is possible!

Passionate about helping others achieve their adoption dream, Julie shares how to find extra money in your household budget, apply for grants, and fundraise in order to build your family without saddling it with debt.

With over $80,000 worth of creative fundraising ideas from more than 30 adoptive families, the second edition of Adopt Without Debt shows you how to fulfill your adoption dream without signing away your financial freedom.