How to Get Out of Debt, Stay Out of Debt & Live Prosperously
![How to Get Out of Debt, Stay Out of Debt & Live Prosperously]()
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List Price: $12.00
Our Price: $2.39
Your Save: $ 9.61 ( 80% )
Availability:
Manufacturer: HarperAudio
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Average Customer Rating:  
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Binding: Audio Cassette
Dewey Decimal Number: 332
EAN: 9781559941709
Format: Abridged
ISBN: 1559941707
Label: HarperAudio
Number Of Items: 1
Publication Date: 1990-12-01
Publisher: HarperAudio
Release Date: 1999-10-20
Studio: HarperAudio
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Spotlight customer reviews:
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Customer Rating: 
Summary: Are you kidding me?? What a waste of time and money!!!
Comment: This book was one of the worst purchases I have ever made through Amazon. All of the other reviews sounded really good, so I thought I would try it out. Like most people, I have some credit card debt. However, I am managing it fine. I thought that this book might have a few extra insights that would be useful. I was sooo soooo sooo wrong. What a waste of time and money. The pointers are miserably basic. The authors spends a HUGE portion of the book telling you to "visualize" being out of debt. He also talks about how karma will help you get out of debt, and oh, by the way, you should have a savings account!!!! Oh, and you should sell all your valuables too, that will bring in extra cash. Oh, and how about an extra job on the side? That will help too!! Oh my gosh! Why didn't I think of that?? Give me a break. This book is not helpful, insightful, or even entertaining. A great deal of it is spent on random stories of how "so and so had this much debt, but now she's debt free!" Ummm, ok, great. This book might have helped some people....although I have no idea how. Don't waste your time or money, unless you want to spend a few hours with an author that talks to you like you're in grade school learning how to manage your allowance money.
Customer Rating:
Summary: Okay okay....
Comment: I haven't yet read this book but plan on buying it based on the fact that it has better reviews than the one by Kevin Trudeau whose informercial I just finished watching and also just finished reading reviews on his book. I noticed that in the infomercial he says you can eliminate your debt so you can get a credit card or loan which to me makes it sound like he's working for the people who conspire to keep America's most needy and desperate, as well as sometimes ignorant people in debt. Why the heck would you get a credit card or loan right after getting out of debt? That's just going to get you right back in the same situation you started out in!
I originally wasn't going to watch the infomercial but I am so desperate to help my mother who is drowning in debt despite having paid off her credit cards twice before. I am also looking for some help myself because I have some debt myself and it's only going to get worse once I have to start paying off my student loans. I try to get as much financial aid in grants as possible since those don't need to be repaid but they don't come close to covering my education expenses. I have always wondered why it is that someone who wants to attend college and better themselves and therefore reduce the likelyhood that they will need to be on Food Stamps or a program like that are punished in the form of actually having to PAY to do better for themselves? Why isn't college free like all other education that comes before it?! But that's the good ol' United States for ya I guess.
Anyhow, I'll update my review once I order the book and see how much it helps.
Customer Rating:
Summary: Great, but would love to see an updated edition
Comment: While I thought this book was fantastic for those who have a problem with deprivation, debt, or compulsive spending and is a great introduction to Debtors Anonymous, I think several of the ideas at its foundation are no longer applicable.
Mundis stresses that not paying your bills for 30 days or not making the minimum payment on your bills doesn't really matter if you no longer intend to debt. Who cares if you ruin your credit score if you don't use credit anymore, right? Maybe that was the case in the 1970s, but now credit scores are used for almost everything. Your credit score will affect your life even if you never borrow another dime.
Your credit record is pulled when you rent an apartment, sign up for utilities (electric, water, etc.), apply for an insurance policy, apply for a checking or savings account, or even apply for a job. True, you can still rent from a landlord who does not check credit and includes utilities with the rent. You may be able to find a job at a place that doesn't check credit. You may be able to pay a large deposit to get an apartment or utilities with poor credit. But more likely, you'll end up in an overpriced slum, severely limit your job prospects, and lose 30% of your paycheck because you have to cash it at a checking cashing store rather than your bank.
I would be interested to see what sort of modifications, if any, would be included in the program given the fact that credit truly affects nearly every aspect of life now - not just the ability to debt.
Customer Rating:
Summary: It's Great!!
Comment: This book is GREAT!! I personally LOVE the way it is written..with the wording as a "recovery program" would have...Reminding yourself everyday of certain things. Along with that, the principles make sense, and as the author says - they have worked for many others. I read a few of the "bad" reviews, and it seems those people have others who they follow for their advice. That's fine, but this book and this author work for me, and i enjoy the way it's written and the steps and beliefs. It's not an expensive book, so i say if you have debt problems, or spending problems, pick this book up and read it!
Customer Rating:
Summary: best of it's kind
Comment: This is the best guide to managing money and debt I've read.
A few days after reading the book, I have a whole new grasp of how to get out of debt and stay out. Though I am not in serious debt, the whole money management advice is enlightening. This book should be required reading for all and should be given out in high schools.
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Editorial Reviews:
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Customer Rating:
Summary: Are you kidding me?? What a waste of time and money!!!
Comment: This book was one of the worst purchases I have ever made through Amazon. All of the other reviews sounded really good, so I thought I would try it out. Like most people, I have some credit card debt. However, I am managing it fine. I thought that this book might have a few extra insights that would be useful. I was sooo soooo sooo wrong. What a waste of time and money. The pointers are miserably basic. The authors spends a HUGE portion of the book telling you to "visualize" being out of debt. He also talks about how karma will help you get out of debt, and oh, by the way, you should have a savings account!!!! Oh, and you should sell all your valuables too, that will bring in extra cash. Oh, and how about an extra job on the side? That will help too!! Oh my gosh! Why didn't I think of that?? Give me a break. This book is not helpful, insightful, or even entertaining. A great deal of it is spent on random stories of how "so and so had this much debt, but now she's debt free!" Ummm, ok, great. This book might have helped some people....although I have no idea how. Don't waste your time or money, unless you want to spend a few hours with an author that talks to you like you're in grade school learning how to manage your allowance money.
Customer Rating:
Summary: Okay okay....
Comment: I haven't yet read this book but plan on buying it based on the fact that it has better reviews than the one by Kevin Trudeau whose informercial I just finished watching and also just finished reading reviews on his book. I noticed that in the infomercial he says you can eliminate your debt so you can get a credit card or loan which to me makes it sound like he's working for the people who conspire to keep America's most needy and desperate, as well as sometimes ignorant people in debt. Why the heck would you get a credit card or loan right after getting out of debt? That's just going to get you right back in the same situation you started out in!
I originally wasn't going to watch the infomercial but I am so desperate to help my mother who is drowning in debt despite having paid off her credit cards twice before. I am also looking for some help myself because I have some debt myself and it's only going to get worse once I have to start paying off my student loans. I try to get as much financial aid in grants as possible since those don't need to be repaid but they don't come close to covering my education expenses. I have always wondered why it is that someone who wants to attend college and better themselves and therefore reduce the likelyhood that they will need to be on Food Stamps or a program like that are punished in the form of actually having to PAY to do better for themselves? Why isn't college free like all other education that comes before it?! But that's the good ol' United States for ya I guess.
Anyhow, I'll update my review once I order the book and see how much it helps.
Customer Rating:
Summary: Great, but would love to see an updated edition
Comment: While I thought this book was fantastic for those who have a problem with deprivation, debt, or compulsive spending and is a great introduction to Debtors Anonymous, I think several of the ideas at its foundation are no longer applicable.
Mundis stresses that not paying your bills for 30 days or not making the minimum payment on your bills doesn't really matter if you no longer intend to debt. Who cares if you ruin your credit score if you don't use credit anymore, right? Maybe that was the case in the 1970s, but now credit scores are used for almost everything. Your credit score will affect your life even if you never borrow another dime.
Your credit record is pulled when you rent an apartment, sign up for utilities (electric, water, etc.), apply for an insurance policy, apply for a checking or savings account, or even apply for a job. True, you can still rent from a landlord who does not check credit and includes utilities with the rent. You may be able to find a job at a place that doesn't check credit. You may be able to pay a large deposit to get an apartment or utilities with poor credit. But more likely, you'll end up in an overpriced slum, severely limit your job prospects, and lose 30% of your paycheck because you have to cash it at a checking cashing store rather than your bank.
I would be interested to see what sort of modifications, if any, would be included in the program given the fact that credit truly affects nearly every aspect of life now - not just the ability to debt.
Customer Rating:
Summary: It's Great!!
Comment: This book is GREAT!! I personally LOVE the way it is written..with the wording as a "recovery program" would have...Reminding yourself everyday of certain things. Along with that, the principles make sense, and as the author says - they have worked for many others. I read a few of the "bad" reviews, and it seems those people have others who they follow for their advice. That's fine, but this book and this author work for me, and i enjoy the way it's written and the steps and beliefs. It's not an expensive book, so i say if you have debt problems, or spending problems, pick this book up and read it!
Customer Rating:
Summary: best of it's kind
Comment: This is the best guide to managing money and debt I've read.
A few days after reading the book, I have a whole new grasp of how to get out of debt and stay out. Though I am not in serious debt, the whole money management advice is enlightening. This book should be required reading for all and should be given out in high schools.
An exciting step-by-step guide on how to painlessly liquidate debts, escalate income and improve the quality of life. Based on the proven strategies of the national organization, Debtors Anonymous, this invaluable program offers numerous options that will enable individuals to pay off debts at a rate they can afford. Read by the author on one cassette. Look for his new audiobook, Making Peace With Money, coming in October 1999.
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