We've ranked the best debt books using expert recommendations, sales data, and millions of reader ratings. At Shortform, we know books. Our book guides are the best in the world. Learn why.
This hardcover edition is cleanly formatted for easy reading. 12 point Garamond, 1.25 spacing. The Richest Man in Babylon is a timeless classic, revealing the secrets to making money and keeping it. This inspirational book is hailed as the greatest of books on finances. It unveils the secrets to wealth, providing priceless suggestions, advice, unforgettable parables, financial problem-solving tools, and invaluable information which will get you on your way to riches. The book to read for all who want financial success.
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Recommended by Daymond John, Aisha Yesufu, DJ Vlad, and 6 others.
Daymond John
Founder/FUBU
Daymond John said this is one of his most-recommended books. [source]
Aisha Yesufu
@seundavidpaul 👏👏👏👏👏 This is a great book [source]
This is a 1920s classic version of How To Get Rich. The ancestor of all the pale imitations, like Rich Dad/Poor Dad, that came since. And while I scoffed at plenty of the allegories from ancient Babylon that presents the lessons, it was still a neat package. And at least ancient Babylon is a more interesting backdrop for teaching lessons about money than some suburban house flipper. I ended up liking it more at the end than I did at the beginning. It’s also a really interesting tie-in with that debt history book. [source]
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Debt: The First 5,000 Years (Updated and Expanded)
David Graeber
4.9
Before there was money, there was debt
Every economics textbook says the same thing: Money was invented to replace onerous and complicated barter systems—to relieve ancient people from having to haul their goods to market. The problem with this version of history? There’s not a shred of evidence to support it.
Here anthropologist David Graeber presents a stunning reversal of conventional wisdom. He shows that for more than 5,000 years, since the beginnings of the first agrarian empires, humans have used elaborate credit systems to buy and sell goods—that is, long before the invention of coins or cash. It is in this era, Graeber argues, that we also first encounter a society divided into debtors and creditors.
Graeber shows that arguments about debt and debt forgiveness have been at the center of political debates from Italy to China, as well as sparking innumerable insurrections. He also brilliantly demonstrates that the language of the ancient works of law and religion (words like “guilt,” “sin,” and “redemption”) derive in large part from ancient debates about debt, and shape even our most basic ideas of right and wrong. We are still fighting these battles today without knowing it.
Debt: The First 5,000 Years is a fascinating chronicle of this little known history—as well as how it has defined human history, and what it means for the credit crisis of the present day and the future of our economy.
I recommend it in audio because David is sometimes repetitive and a little elliptical, but in audio it's all okay because you can just listen to it again. [source]
After a few false starts, I finally got going with this, and what a treat. It shoots down the common myth that prior to money, everyone just bartered shit. I give you a pig, you give me five pies and a hat. Evidence shows that just wasn’t at all how things went. Most societies were structured either rather communistic (take what you need, give what you can) or with a loose debt-ledger system (or a combination of both). But where things get really interesting is how the emergence of market economies (and money) changed the relationship with human life and dignity. Especially as a consequence of slavery, which put a very explicit price on that which previously was priceless. All sorts of fascinating historical links to women wearing veils (to distinguish them from women who could be bought), how debt peonage really took off once slavery came profitable (so debtors could be sold, or their children sold, if they failed to repay), and how other morality got intertwined with debt. It’s truly eye-opening, and the lines trace disturbingly well from millennia. [source]
Will Davies
What’s stunning about the book is how it brings an anthropological perspective to bear on such an expansive history and geography, bringing the story right up to the present day, at the precise moment when debt has become a hugely political, mobilizing and destabilizing issue. Its central argument is simple and easy to grasp, and has been seized by activists and critics of the financial sector. [source]
What are the grand dynamics that drive the accumulation and distribution of capital? Questions about the long-term evolution of inequality, the concentration of wealth, and the prospects for economic growth lie at the heart of political economy. But satisfactory answers have been hard to find for lack of adequate data and clear guiding theories. In Capital in the Twenty-First Century, Thomas Piketty analyzes a unique collection of data from twenty countries, ranging as far back as the eighteenth century, to uncover key economic and social patterns. His findings will transform debate and set the agenda for the next generation of thought about wealth and inequality.
Piketty shows that modern economic growth and the diffusion of knowledge have allowed us to avoid inequalities on the apocalyptic scale predicted by Karl Marx. But we have not modified the deep structures of capital and inequality as much as we thought in the optimistic decades following World War II. The main driver of inequality—the tendency of returns on capital to exceed the rate of economic growth—today threatens to generate extreme inequalities that stir discontent and undermine democratic values. But economic trends are not acts of God. Political action has curbed dangerous inequalities in the past, Piketty says, and may do so again.
A work of extraordinary ambition, originality, and rigor, Capital in the Twenty-First Century reorients our understanding of economic history and confronts us with sobering lessons for today.
Capital sparked a fantastic global discussion this year about inequality. Piketty kindly spent an hour discussing his work with me before I finished my review. As I told him, although I have concerns about some of his secondary points and policy prescriptions, I agree with his most important conclusions: inequality is a growing problem and that governments should play a role in reducing it. I admire his work and hope it draws in more smart people to study the causes of, and cures for, inequality. [source]
This is the book that was catapulted by its conclusion: r > g. That the rate of return on capital is greater than the growth rate of the economy. Which means that capital, and the people who own it, will end up with a larger and larger share of all wealth and income in the economy as time goes on. It’s a dense dive into the historical data on wealth, income, and economic growth from the optic of inequality. It’s fascinating to realize just how little economic growth there was before the industrial revolution (<0.1% at times). Centuries would pass where societies got almost no more productive, and thus saw no per-capita growth. In the past few decades, we’ve moved closer to the historical norm. Real growth through productivity improvements is down a lot since that former golden period, most western societies aren’t growing their population as rapidly as they were, and thus hereditary wealth and privileges are coming back as prime determinants of inequality. Despite the dense approach, the book isn’t in anyway unapproachable. It’s well told and easily read. And it’s about as timely as it gets. Highly recommend it so far. [source]
Piketty explains the economic crisis that we face in ways that also explain the political crisis. He does this by talking about the rise of what he calls ‘patrimonial capital’: wealth arising from inheritance, rent, and interest payments which greatly outweighs any wealth arising from hard work and enterprise. [source]
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The Total Money Makeover: A Proven Plan for Financial Fitness (Classic Edition)
If you will live like no one else, later you can "live" like no one else.
Build up your money muscles with America's favorite finance coach.
Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There's one sure way to whip your finances into shape, and that's with "The Total Money Makeover: Classic Edition".
By now, you've heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you're tired of the lies and sick of the false promises, take a look at this--it's the simplest, most straightforward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.
With "The Total Money Makeover: Classic Edition," you'll be able to: Design a sure-fire plan for paying off all debt--meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement!
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Recommended by Eric 'Dids', Sean Si, and Vincent Pugliese.
Eric 'Dids'
Recently listened to the Audiobook "Total Money Makeover" and am amazed how much it has made a difference, arguably more so outside of finance. The motto posed in the book, "Live like nobody else so eventually you can live like nobody else." Is an amazing motto to have in life. [source]
Vincent Pugliese
Linchpin by Seth Godin, The Total Money Makeover by Dave Ramsey, and Rich Dad, Poor Dad had immediate effects on my life. [source]
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Six of Crows (Six of Crows, #1)
Leigh Bardugo
4.8
Ketterdam: a bustling hub of international trade where anything can be had for the right price—and no one knows that better than criminal prodigy Kaz Brekker. Kaz is offered a chance at a deadly heist that could make him rich beyond his wildest dreams. But he can’t pull it off alone. . . .
A convict with a thirst for revenge
A sharpshooter who can’t walk away from a wager
A runaway with a privileged past
A spy known as the Wraith
A Heartrender using her magic to survive the slums
A thief with a gift for unlikely escapes
Kaz’s crew is the only thing that might stand between the world and destruction—if they don’t kill each other first.
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Money Honey: A Simple 7-Step Guide for Getting Your Financial $hit Together
Rachel Richards
4.8
Let’s face it: Adulting is hard, especially when it comes to money management. In Money Honey, former financial advisor Rachel Richards achieves the impossible by bringing humor and sass to the dreaded subject of personal finance.
An avid investor and business owner, Rachel talks straight about how to attain financial freedom. You’ll find no shortage of valuable nuggets in this tough-love guide that will teach you how to:
•Double your income and halve your expenses •Consolidate your student loans and lower your interest rate •Open a brokerage account and make a trade so that you can start investing in the stock market •Allocate your money between debt payoff, short-term savings, and retirement •...and lots more!
Most importantly, you’ll learn Rachel’s 7 Simple Steps for getting your financial $hit together. If you’re ready to whip your finances into shape and have fun while doing so, this book is for you.
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Rich Dad Poor Dad: What The Rich Teach Their Kids About Money - That The Poor And Middle Class Do Not!
Robert T. Kiyosaki
4.8
In Rich Dad Poor Dad, the #1 Personal Finance book of all time, Robert Kiyosaki shares the story of his two dad: his real father, whom he calls his ‘poor dad,’ and the father of his best friend, the man who became his mentor and his ‘rich dad.’ One man was well educated and an employee all his life, the other’s education was “street smarts” over traditional classroom education and he took the path of entrepreneurship…a road that led him to become one of the wealthiest men in Hawaii. Robert’s poor dad struggled financially all his life, and these two dads—these very different points of view of money, investing, and employment—shaped Robert’s thinking about money.
Robert has challenged and changed the way tens of millions of people, around the world, think about money and investing and he has become a global advocate for financial education and the path to financial freedom. Rich Dad Poor Dad (and the Rich Dad series it spawned) has sold over 36 million copies in English and translated editions around the world.
Rich Dad Poor Dad will… • explode the myth that you need to earn a high income to become rich • challenge the belief that your house is an asset • show parents why they can’t rely on the school system to teach their kids about money • define, once and for all, an asset and a liability • explain the difference between good debt and bad debt • teach you to see the world of money from different perspectives • discuss the shift in mindset that can put you on the road to financial freedom
Will Smith mentioned sharing this book with his son. [source]
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The Total Money Makeover Workbook: Classic Edition: The Essential Companion for Applying the Book’s Principles
Dave Ramsey
4.8
New York Times best seller! More than five million copies sold!*
You CAN take control of your money. Build up your money muscles with America’s favorite finance coach.
Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There’s one sure way to whip your finances into shape, and that’s with The Total Money Makeover: Classic Edition.
By now, you’ve heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. And it’s based on results, not pie-in-the-sky fantasies. With The Total Money Makeover: Classic Edition, you’ll be able to:
Design a sure-fire plan for paying off all debt—meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! Includes new, expanded “Dave Rants” sidebars tackle marriage conflict, college debt, and more. All-new forms and back-of-the-book resources to make Total Money Makeover a reality.
Dive deeper into Dave’s game plan with The Total Money Makeover Workbook: Classic Edition. The Total Money Makeover: Classic Edition is also available in Spanish, transformación total de su dinero.
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Boomerang: Travels in the New Third World
Michael Lewis
4.8
The tsunami of cheap credit that rolled across the planet between 2002 and 2008 was more than a simple financial phenomenon: it was temptation, offering entire societies the chance to reveal aspects of their characters they could not normally afford to indulge.
Icelanders wanted to stop fishing and become investment bankers. The Greeks wanted to turn their country into a piñata stuffed with cash and allow as many citizens as possible to take a whack at it. The Germans wanted to be even more German; the Irish wanted to stop being Irish.
Michael Lewis's investigation of bubbles beyond our shores is so brilliantly, sadly hilarious that it leads the American reader to a comfortable complacency: oh, those foolish foreigners. But when he turns a merciless eye on California and Washington, DC, we see that the narrative is a trap baited with humor, and we understand the reckoning that awaits the greatest and greediest of debtor nations.
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Recommended by Chris Dixon.
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Second Debt (Indebted, #3)
Pepper Winters
4.7
“I tried to play a game. I tried to wield deceit as perfectly as the Hawks. But when I thought I was winning, I wasn’t. Jethro isn’t what he seems—he’s the master of duplicity. However, I refuse to let him annihilate me further.”
Nila Weaver has grown from naïve seamstress to full-blown fighter. Every humdrum object is her arsenal, and sex…sex is her greatest weapon of all.
She’s paid the First Debt. She’ll probably pay more.
But she has no intention of letting the Hawks win.
Jethro Hawk has found more than a worthy adversary in Nila—he’s found the woman who could destroy him. There’s a fine line between hatred and love, and an even finer path between fear and respect.
The fate of his house rests on his shoulders, but no matter how much ice lives inside his heart, Nila flames too bright to be extinguished.
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Big Debt Crises
Ray Dalio
4.7
“Ray Dalio’s excellent study provides an innovative way of thinking about debt crises and the policy response.” - Ben Bernanke
“Ray Dalio’s book is must reading for anyone who aspires to prevent or manage through the next financial crisis.” - Larry Summers
“A terrific piece of work from one of the world’s top investors who has devoted his life to understanding markets and demonstrated that understanding by navigating the 2008 financial crisis well.” - Hank Paulson
“An outstanding history of financial crises, including the devastating crisis of 2008, with a very valuable framework for understanding why the engine of the financial system occasionally breaks down, and what types of policy actions by central banks and governments are necessary to resolve systemic financial crises. This should serve as a play book for future policy makers, with practical guidance about what to do and what not to do.” - Tim Geithner
“Dalio’s approach, as in his investment management, is to synthesize information, and to convert a sprawling and multi-faceted issue into a clear-cut process of cause and effect. Critically, he simplifies without over-simplifying.” - Financial Times
For the 10th anniversary of the 2008 financial crisis, one of the world’s most successful investors, Ray Dalio, shares his unique template for how debt crises work and principles for dealing with them well. This template allowed his firm, Bridgewater Associates, to anticipate events and navigate them well while others struggled badly.
As he explained in his #1 New York Times Bestseller, Principles: Life & Work, Dalio believes that most everything happens over and over again through time so that by studying their patterns one can understand the cause-effect relationships behind them and develop principles for dealing with them well. In this 3-part research series, he does that for big debt crises and shares his template in the hopes reducing the chances of big debt crises happening and helping them be better managed in the future.
The template comes in three parts provided in three books: 1) The Archetypal Big Debt Cycle (which explains the template), 2) 3 Detailed Cases (which examines in depth the 2008 financial crisis, the 1930’s Great Depression, and the 1920’s inflationary depression of Germany’s Weimar Republic), and 3) Compendium of 48 Cases (which is a compendium of charts and brief descriptions of the worst debt crises of the last 100 years). Whether you’re an investor, a policy maker, or are simply interested, the unconventional perspective of one of the few people who navigated the crises successfully, Principles for Navigating Big Debt Crises will help you understand the economy and markets in revealing new ways.
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Confessions of a Shopaholic (Shopaholic, #1)
Sophie Kinsella
4.7
Becky Bloomwood has a fabulous flat in London’s trendiest neighborhood, a troupe of glamorous socialite friends, and a closet brimming with the season’s must-haves. The only trouble is, she can’t actually afford it—not any of it. Her job writing at Successful Saving magazine not only bores her to tears, it doesn’t pay much at all. And lately Becky’s been chased by dismal letters from the bank—letters with large red sums she can’t bear to read. She tries cutting back. But none of her efforts succeeds. Her only consolation is to buy herself something . . . just a little something.
Finally a story arises that Becky actually cares about, and her front-page article catalyzes a chain of events that will transform her life—and the lives of those around her—forever.
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First Debt (Indebted, #2)
Pepper Winters
4.7
“You say I’ll never own you. If I win—you willingly give me that right. You sign not only the debt agreement, but another—one that makes me your master until your last breath is taken. You do that, and I’ll give you this.”
Nila Weaver’s family is indebted. Stolen, taken, and bound not by monsters but by an agreement written over six hundred years ago, she has no way out.
She belongs to Jethro as much as she denies it.
Jethro Hawk’s patience is running out. His inheritance gift tests, challenges, and surprises him—and not in good ways. He hasn’t leashed her but he thinks he might’ve found a way to bind her forever.
Debts are mounting. Payment waiting.
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Final Debt (Indebted, #6)
Pepper Winters
4.7
The Last Book in the New York TImes Bestselling Dark Romance Series. Where love tries to triumph and darkness continues to reign....
“I’m in love with her, but it might not be enough to stop her from becoming the latest victim of the Debt Inheritance. I know who I am now. I know what I must do. We will be together—I just hope it’s on Earth rather than in heaven.”
It all comes down to this.
Love versus life.
Debts versus death.
Who will win?
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Ruthless King (Mount Trilogy, #1)
Meghan March
4.7
Get ready for the darker and dirtier side of New Orleans with a brand new alpha romance from USA Today bestselling author Meghan March.
New Orleans belongs to me. You don’t know my name, but I control everything you see—and all the things you don’t. My reach knows no bounds, and my demands are always met. I didn’t need to loan money to a failing family distillery, but it amuses me to have them in my debt. To have her in my debt. She doesn’t know she caught my attention. She should’ve been more careful. I’m going to own her. Consume her. Maybe even keep her. It’s time to collect what I’m owed. Keira Kilgore, you’re now the property of Lachlan Mount.
*Ruthless King is book one of the Mount Trilogy*
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The Debt Collector's Handbook: Collecting Debts, Finding Assets, Enforcing Judgments, and Beating Your Creditors
David J. Cook
4.7
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A Debt of Death (Adam Lapid Mysteries, #4)
Jonathan Dunsky
4.7
The dead man was lying face down in a puddle of blood and rainwater...
When private investigator Adam Lapid finds Nathan Frankel dead in the street, he makes a quick decision:
He will discover who murdered Nathan and punish the killer himself.
Because Adam owes Nathan a debt that can never be fully repaid. Which makes this murder a personal matter.
But Adam's job will not be easy. Because quite a few people had reason to want Nathan Frankel dead. And some of them are quite willing to spill more blood to cover up for their crimes.
A Debt of Death is a thrilling murder mystery set in Israel, 1951. Join Adam Lapid on his most difficult case, as he encounters a host of unforgettable characters, goes head to head with violent criminals, and puts his very life on the line to solve the murder of a man to whom he owes everything.
You will love A Debt of Death because it is an action-packed, twisty murder mystery that will instantly suck you in and won't let go. Get your copy of this page-turner now!
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The P.I.L.L. Method: A Better Way To Eliminate Debt
Don Daniel
4.7
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The Total Money Makeover Set: The Total Money Makeover & The Total Money Makeover Workbook
Dave Ramsey
4.7
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The Financial Peace Planner: A Step-by-Step Guide to Restoring Your Family's Financial Health
Dave Ramsey
4.7
Get out of debt and stay out with the help of Dave Ramsey, recently seen by millions of Today Show viewers. His practical regimen, first set forth by The Financial Peace Planner, which will be published by Penguin in January 1998. Loaded with inspirational insights that come from personal experience, this set of books is the most valuable purchase a debt-ridden reader can make.
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Debt-Free Forever: Take Control of Your Money and Your Life
Gail Vaz-Oxlad
4.7
If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:
figure out how much you’ve actually been spending • calculate how much you owe—and what it’s costing you • build a budget that works • maximize your debt repayments so you can be free of consumer debt in 3 years or less • prepare for a rainy day so it doesn’t mean a major setback • set goals for your new, debt-free life.
Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.
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Killing the Host
Michael Hudson
4.7
How financial parasites and debt destroy the global economy. Professor Hudson continues the discussion on the financialization of capital and its global effects.
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The Ultimate Scholarship Book 2020
Gen Tanabe
4.7
Illustrating that there is a spot for everyone, this completely revised recruitment manual is a go-to guide for all high school students that dream of participating in college athletics. It addresses not only how to get recruited by top colleges and universities but also how to excel academically in both high school and college to ensure a successful career as a student-athlete. Offering insider information, this guidebook for getting scholarship money also provides tips for understanding the complicated NCAA recruiting rules, information on what colleges really want from athletes in their programs, and techniques for developing individual skills to transition successfully from high school to college athletics. Candid and insightful input from college athletics experts, college and high school counselors, and athletic trainers helps athletes achieve success in many areas of their life--including training, nutrition, and time management--catapulting these students beyond their peers both on and off the field.
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Payback: Debt and the Shadow Side of Wealth
Margaret Atwood
4.7
Collected here, the Massey Lectures from legendary novelist Margaret Atwood investigate the highly topical subject of debt. She doesn’t talk about high finance or managing money; instead, she goes far deeper to explore debt as an ancient and central motif in religion, literature, and the structure of human societies. By looking at how debt has informed our thinking from preliterate times to the present day, from the stories we tell of revenge and sin to the way we order social relationships, Atwood argues that the idea of what we owe may well be built into the human imagination as one of its most dynamic metaphors. Her final lecture addresses the notion of a debt to nature and the need to find new ways of interacting with the natural world before it is too late.
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Launch: How to Get Your Kids Through College Debt-Free and Into Jobs They Love Afterward
Jeannie Burlowski
4.7
You'd love to get your kids through college debt-free -- but your kids aren't getting any scholarships, you haven't saved for college, and you make too much to get government financial aid. Is there still hope? Yes, but you'll need someone to guide you.
In LAUNCH, academic strategist Jeannie Burlowski lays out clear, step-by-step strategies that empower parents to get their kids through high quality, best-fit colleges debt-free -- and then directly into jobs they love afterward.
Experts rave about LAUNCH:
"The checklists at the end of each chapter in this book are fabulous. They're golden. Well worth the entire price of the book."
-Bob Shorb, former associate dean of admissions and financial aid and director of student aid and family finance, Skidmore College
"Students who go through college without career direction are, as Jeannie Burlowski says, 'like archers who pull the arrow back on the bow string, shoot, and then years later look around for the target.' This book helps parents set their kids up to take aim early and fire a sure shot, whether that's at medical school or at some other worthy endeavor."
-Dr. Paul Amble, MD, assistant clinical professor, Yale School of Medicine
"I'm a certified financial planner who cares deeply that parents are able to send their kids to college without risking their retirement. You can be sure I'll be recommending this book every chance I get."
- Mike Branch, CFP, Focus Financial, Minneapolis, MN
"High school guidance counselors have a difficult time covering the intricacies of the college admission and financing process in the small amount of time they have to work with a large number of students. This book fills in all the gaps-and more-for parents."
-Josie Robinson, author and former high school guidance and career counselor, White Bear Lake Area High School
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Walden on Wheels: On the Open Road from Debt to Freedom
Ken Ilgunas
4.7
In this memoir, Ken Ilgunas lays bare the existential terror of graduating from the University of Buffalo with $32,000 of student debt. Ilgunas set himself an ambitious mission: get out of debt as quickly as possible. Inspired by the frugality and philosophy of Henry David Thoreau, Ilgunas undertook a 3-year transcontinental journey, working in Alaska as a tour guide, garbage picker, and night cook to pay off his student loans before hitchhiking home to New York.
Debt-free, Ilgunas then enrolled in a master’s program at Duke University, determined not to borrow against his future again. He used the last of his savings to buy himself a used Econoline van and outfitted it as his new dorm. The van, stationed in a campus parking lot, would be more than an adventure—it would be his very own Walden on Wheels.
Freezing winters, near-discovery by campus police, and the constant challenge of living in a confined space would test Ilgunas’s limits and resolve in the two years that followed. What had begun as a simple mission would become an enlightening and life-changing social experiment.
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Debt of Bones (Sword of Truth, #0.5)
Terry Goodkind
4.7
A milestone of storytelling set in the world of The Sword of Truth, Debt of Bones is the story of young Abby's struggle to win the aid of the wizard Zedd Zorander, the most important man alive. Abby is trapped, not only between both sides of the war, but in a mortal conflict between two powerful men. For Zedd, who commands power most men can only imagine, granting Abby's request would mean forsaking his sacred duty. With the storm of the final battle about to break, both Abby and Zedd are caught in a desperate fight to save the life of a child....but neither can escape the shadow of an ancient betrayal. With time running out, their only choice may be a debt of bones. The world-for Zedd, for Abby,for everyone-will never again be the same.
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The Debt Millionaire: Most People Will Never Build Real Wealth. Now You Can Be One of the Few Who Do.
George Antone
4.7
This book introduces the reader to a very powerful and different perspective; a completely new method of investing that is built to allow the investor to meet their financial goals, automatically, and it's backed by numbers!
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Got Debt?: The 7 Bulletproof Steps to Debt Freedom
Leo Jean-Louis
4.7
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The Limit
Kristen Landon
4.7
An eighth grade girl was taken today . . . With this first sentence, readers are immediately thrust into a fast-paced thriller that doesn't let up for a moment.
In a world not too far removed from our own, kids are being taken away to special workhouses if their families exceed the monthly debt limit imposed by the government. Thirteen-year-old Matt briefly wonders if he might be next, but quickly dismisses the thought. After all, his parents are financially responsible, unlike the parents of those other kids. As long as his parents remain within their limit, the government will be satisfied and leave them alone. But all it takes is one fatal visit to the store to push Matt’s family over their limit—and to change his reality forever.
Kristen Landon's The Limit brings the popular dystopian thriller genre to a middle grade audience.
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Student Loan Solution: 5 Steps to Take Control of your Student Loans and Financial Life
David Carlson
4.7
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The Merchant of Venice
William Shakespeare, Dr. Barbara A. Mowat, Paul Werstine Ph.D.
4.7
In this lively comedy of love and money in sixteenth-century Venice, Bassanio wants to impress the wealthy heiress Portia but lacks the necessary funds. He turns to his merchant friend, Antonio, who is forced to borrow from Shylock, a Jewish moneylender. When Antonio's business falters, repayment becomes impossible--and by the terms of the loan agreement, Shylock is able to demand a pound of Antonio's flesh. Portia cleverly intervenes, and all ends well (except of course for Shylock).
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Robert B. Parker's Debt to Pay
Reed Farrel Coleman
4.7
In this brilliant novel in Robert B. Parker's New York Times bestselling series, police chief Jesse Stone faces a ruthless hit man.
All is quiet in Paradise, except for a spate of innocuous vandalism. Good thing, too, because Jesse Stone is preoccupied with the women in his life, both past and present. As his ex-wife Jenn is about to marry a Dallas real-estate tycoon, Jesse isn't too sure his relationship with former FBI agent Diana Evans is built to last. But those concerns get put on the back burner when a major Boston crime boss is brutally murdered. Despite all evidence to the contrary, Jesse suspects it's the work of Mr. Peepers, a psychotic assassin who has caused trouble for Jesse in the past.
Peepers has long promised revenge against the mob, Jesse, and Suit for their roles in foiling one of his hits--and against Jenn as well. And though Jesse and Jenn have long parted ways, Jesse still feels responsible for her safety. Jesse and Diana head to Dallas for the wedding and, along with the tycoon's security team, try to stop Peepers before the bill comes due. With Peepers toying with the authorities as to when and where he'll strike, Jesse is up against the wall. Still, there's a debt to pay and blood to be spilled to satisfy it. But whose blood, and just how much?
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34
The Blood Debt (Wolf of the North #3)
Duncan M. Hamilton
4.7
A blade fit for a hero. An army for a tyrant. A reckoning long awaited, and a tale reaching its end.
The riveting conclusion to the Wolf of the North trilogy by Duncan M. Hamilton
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35
The Debt
Angela Hunt
4.7
After fleeing a painful and compromising past, Emma Rose Howard settled eagerly into the role of a pastor's wife. She and her husband, Abel, dedicated themselves to parenting a mega-church and influenced thousands of lives through its related ministries.
But when Emma Rose receives a phone call from a living, breathing remnant of her troubled past, she finds herself wondering if something in her life is woefully out of balance. The presence of this unexpected intruder soon threatens everything Emma Rose has believed about her calling, her marriage, and her relationship with God.
The Debt not only invites readers to embrace the painful heartache and incomparable joy that accompany a soul's redemption, but it challenges us to follow Christ to new and unexpected places.
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36
Debt Inheritance (Indebted, #1)
Pepper Winters
4.7
“I own you. I have the piece of paper to prove it. It’s undeniable and unbreakable. You belong to me until you’ve paid off your debts.”
Nila Weaver’s family is indebted. Being the first born daughter, her life is forfeit to the first born son of the Hawks to pay for sins of ancestors past. The dark ages might have come and gone, but debts never leave. She has no choice in the matter.
She is no longer free.
Jethro Hawk receives Nila as an inheritance present on his twenty-ninth birthday. Her life is his until she’s paid off a debt that’s centuries old. He can do what he likes with her—nothing is out of bounds—she has to obey.
There are no rules. Only payments.
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37
House of Debt: How They (and You) Caused the Great Recession, and How We Can Prevent It from Happening Again
Atif Mian
4.7
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?
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38
...And Forgive Them Their Debts
Michael Hudson
4.7
In ...and forgive them their debts, renowned economist Michael Hudson - one of the few who could see the 2008 financial crisis coming - takes us on an epic journey through the economies of ancient civilizations and reveals their relevance for us today. For the past 40 years, in conjunction with Harvard's Peabody Museum, he and his colleagues have documented how interest-bearing debt was invented in Bronze Age Mesopotamia, and then disseminated to the ancient world. What the Bronze Age rulers understood was that avoiding economic instability required regular royal debt cancellations. Professor Hudson documents dozens of these these royal edicts and traces the archeological record and history of debt, and how societies have dealt with (or failed to deal with) the proliferation of debts that cannot be paid - and their consequences. In the pages of ...and forgive them their debts, readers will discover how debt played a central role in shaping ancient societies, and how it continues to shape our world - often destructively.
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39
Alpha (Alpha, #1)
Jasinda Wilder
4.7
The first time it happened, it seemed like an impossible miracle. Bills were piling up, adding up to more money than I could ever make. Mom's hospital bills. My baby brother's tuition. My tuition. Rent. Electricity. All of it on my shoulders. And I had just lost my job. There was no hope, no money in my account, no work to be found. And then, just when I thought all hope was lost, I found an envelope in the mail. No return address. My name on the front, my address. Inside was a check, made out to me, in the amount of ten thousand dollars. Enough to pay the bills and leave me some left over to live on until I found a job. Enough to let me focus on classes. There was no name on the check, just "VRI Inc.," and a post office box address for somewhere in the city. No hint of identity or reason for the check or anything. No mention of repayment, interest, nothing…except a single word, on the notes line: "You." Just those three letters.
If you receive a mysterious check, for enough money to erase all your worries, would you cash it?
I did.
The next month, I received another check, again from VRI Incorporated. It too contained a single word: "belong."
A third check, the next month. This time, two words. Four letters. "To me."
The checks kept coming. The notes stopped. Ten thousand dollars, every month. A girl gets used to that, real quick. It let me pay the bills without going into debt. Let me keep my baby brother in school and Mom's hospice care paid for. How do you turn down what seems like free money, when you're desperate? You don't. I didn't.
And then, after a year, there was a knock on my door. A sleek black limousine sat on the curb in front of my house. A driver stood in front of me, and he spoke six words: "It's time to pay your debt."
Would you have gotten in?
I did.
It turns out $120,000 doesn't come free.
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40
The Genius Prince's Guide to Raising a Nation Out of Debt (Hey, How About Treason?), Vol. 1 (light novel)
Toru Toba
4.7
The prince of this small and weak kingdom strives for only one thing: selling out his country and living a quiet life in leisure! Sadly, the greatest obstacle he will ever face is his own genius...! As he achieves ever greater accomplishments, he earns more and more favor with the people of his kingdom...which makes fulfilling his own dreams all the harder!!!
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41
How To Invest in Debt: A Complete Guide to Alternative Opportunities
Michael Pellegrino
4.7
With this nuts-and-bolts guide, savvy and novice investors can profit from personal and corporate debt, including municipal tax liens, defaulted credit card debt, discount promissory notes, mortgage foreclosures, and micro loans.
Anyone can participate in these investments, but not all of these options are as easy as calling a broker – they require some legwork and research – so many of these opportunities often go untapped.
While there are many books on alternative investment ideas, none provide this level of practical information and advice. How To Invest in Debt provides everything readers need to capitalize on these investments. Readers will discover:
How to find and purchase debt at a deep discount How to do effective due diligence and pick the ones that are most likely to pay off How to collect debt, and the secrets to making short-term high interest loans Buying future streams of cash flow Overcoming what could go wrong before it happens And much more.
Dozens of charts, table, forms, spreadsheets, and diagrams empower readers to get started right away, with all the tools they will need to collect and analyze data and pursue the most profitable opportunities.
How To Invest in Debt shows that if you're willing to do the work, you can profit from debt.
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42
Framley Parsonage (Chronicles of Barsetshire #4)
Anthony Trollope
4.7
Fourth in the Barsetshire Chronicles, FRAMLEY PARSONAGE was published in 1860. In it the values of a Victorian gentleman, the young clergyman Mark Robarts, are put to the test.
Like much fiction of 19th century England, FRAMLEY PARSONAGE concerns property, status, family and the conventions. In it Trollope captures the essence of Victorian England.
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43
End Medical Debt: Curing America's $1 Trillion Unpayable Healthcare Debt
Jerry Ashton, Robert Goff, et al.
4.7
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44
Clever Girl Finance: Ditch Debt, Save Money and Build Real Wealth
Bola Sokunbi
4.7
Take charge of your finances and achieve financial independence - the Clever Girl way
Join the ranks of thousands of smart and savvy women who have turned to money expert and author Bola Sokunbi for guidance on ditching debt, saving money, and building real wealth. Sokunbi, the force behind the hugely popular Clever Girl Finance website, draws on her personal money mistakes and financial redemption to educate and empower a new generation of women on their journey to financial freedom. Lighthearted and accessible, Clever Girl Finance encourages women to talk about money and financial wellness and shows them how to navigate their own murky financial waters and come out afloat on the other side.
Monitor your expenses, build a budget, and stick with it Make the most of a modest salary and still have money to spare Keep your credit in check and clean up credit card chaos Start and succeed at your side hustle Build a nest egg and invest in your future Transform your money mindset and be accountable for your financial well-being Feel the power of real-world stories from other "clever girls" Put yourself on the path to financial success with the valuable lessons learned from Clever Girl Finance.
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45
The Money Resolution: 101 Ways to Save Money, Make Money & Get Out of Debt in One Year
Frankie Calkins
4.7
Money. That was my New Year's resolution for 2018. And as vague as that is, it was the only one I've ever stuck with.
In one year, I became a self-taught, financially literate, successful money-saver, and frugal money-spender while also getting out of credit card debt and investing in myself and my future - all while still traveling and enjoying my life!
I spent hundreds of hours pouring over personal finance books, podcasts, blogs, videos, and apps and documented it all so I could share the lessons I learned on everything money that they don't teach us in school. As an educator myself, I felt compelled to share my story (and best tips and tricks) to help others on their journey to becoming financially intelligent.
This is a tangible, relatable, down-to-earth, up-to-date, well-rounded guide for improving your finances. You'll learn how to:
Set goals
Travel on the cheap
Lower your interest rates
Navigate the holidays
Consolidate retirement accounts
Open a Roth IRA
Invest in mutual funds & ETFs
Navigate the holidays
Save on groceries (without cutting coupons).
And lots more!
If you're just getting started, learn how I did it from scratch so you can too. If you're already living frugally, saving for retirement, and investing for your future, you're still sure to learn plenty of skills to help you develop new money habits that stick. In the end, you'll have a checklist with 101 steps - try as many money tasks as you can!
After nearly a decade of ignoring my growing debt and scraping by without a budget, I woke up one morning and decided, "Today's the day to change." Make today your day. Invest in yourself and commit to your 365-day money resolution now!
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46
Indebted (A Kingpin Love Affair, #1)
J.L. Beck
4.7
It was suppose to be a debt settled, just a price being repaid. Instead love was born... ...from unpaid dues it bloomed. See, that's the funny thing about love, you never expect it.
After losing her mother to cancer a few months prior to graduating, Bree Forbes was finally able to take some time away and enjoy her college days. That all changed in a blink of an eye the moment Bree came home for break. She didn't expect to find her dad strapped to chair, a gun pointed at his head.
Alzerro “Zerro” King wasn't a man to be messed with. Women flocked to him and men ran from him. He ruled the mafia with an iron fist and no one ever crossed him unless they wanted to pay the price. He believed the only way to pay for something, if unable to do so, was to do it in blood. Nothing got him harder than stringing someone up, and putting a bullet in their head.
That is until Bree.
One look is all it took for him to know she could pay for her father’s debt in many other ways… Ways that could get him hard.
Could a big city mafia king fall in love with the small town country girl? Would she be able to handle his dark and demanding ways? When push comes to shove, would Bree end up running only to be killed? Or would she sacrifice herself for love?
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47
Life Debt (Star Wars: Aftermath, #2)
Chuck Wendig
4.7
Set between the events of Return of the Jedi and The Force Awakens, the never-before-told story that began with Star Wars: Aftermath continues in this thrilling novel, the second book of Chuck Wendig s New York Times bestselling trilogy.
"It is a dark time for the Empire. . . ."
The Emperor is dead, and the remnants of his former Empire are in retreat. As the New Republic fights to restore a lasting peace to the galaxy, some dare to imagine new beginnings and new destinies. For Han Solo, that means settling his last outstanding debt, by helping Chewbacca liberate the Wookiee's homeworld of Kashyyyk.
Meanwhile, Norra Wexley and her band of Imperial hunters pursue Grand Admiral Rae Sloane and the Empire's remaining leadership across the galaxy. Even as more and more officers are brought to justice, Sloane continues to elude the New Republic, and Norra fears Sloane may be searching for a means to save the crumbling Empire from oblivion. But the hunt for Sloane is cut short when Norra receives an urgent request from Princess Leia Organa. The attempt to liberate Kashyyyk has carried Han Solo, Chewbacca, and a band of smugglers into an ambush resulting in Chewie's capture and Han's disappearance.
Breaking away from their official mission and racing toward the Millennium Falcon's last known location, Norra and her crew prepare for any challenge that stands between them and their missing comrades. But they can't anticipate the true depth of the danger that awaits them or the ruthlessness of the enemy drawing them into his crosshairs.
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48
The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams
Jen Smith
4.7
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49
The Infographic Guide to Personal Finance: A Visual Reference for Everything You Need to Know
Michele Cagan CPA
4.7
This illustrated beginner’s guide to personal finance distills essential information into small, easy-to-follow steps to help you get your finances in order.
Get your finances in shape! In The Infographic Guide to Personal Finance, you will learn all the skills you need to make good financial decisions and grow your personal wealth. Full of colorful descriptions organized in an easy-to-read format, this book contains infographics such as:
-Choosing your bank -Building an emergency fund -Choosing a financial planner -Where your money is going -What not to buy -Health insurance -Property insurance -What federal taxes pay for
With the help of this guide, you’ll learn how to make good investments, save for big things like a house or college tuition, budget, and more!
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50
Chained to the Sky: Discharging Debt through use of Postal Money Orders
Charles Booker
4.7
A small treaties for the benefit of those long suffering in the sea of Debt. The reader will find within the pages of this book various technics which have been effectively used to free the individual from wage garnishment, liens, levies and to Discharge/Satisfy Debt and the like.
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51
Debt Cleanse: How To Settle Your Unaffordable Debts For Pennies On The Dollar (And Not Pay Some At All)
Jorge P. Newbery
4.7
Jorge Newbery erased his debts without filing bankruptcy. Now you can, too.
Like many Americans, Newbery struggled with debt. But unlike most people, he owed more than $26 million. Creditors swarmed after a natural disaster devastated his multi-million dollar business. The stress was crushing. He needed a way out — and what he discovered will amaze you.
His breakthrough came practically by accident. One of his creditors made a sloppy legal mistake, and he battled the creditor all the way to the Missouri Court of Appeals. The court ruled that the entire debt — nearly $6 million — was "inadvertently extinguished.” It didn't have to be paid. It was completely eliminated.
Newbery applied the powerful techniques he had learned to all his other debts. The results were astonishing. One after another, his debts were either settled or gone forever.
Now, Newbery reveals his proven debt-cleansing methods. In simple, step-by-step instructions, you’ll learn how to… * Assert your rights and defend yourself against creditors. * Stop making payments — and turn that to your advantage. * End harassing collection calls. * Dispute your debts to stack the odds in your favor. * Uncover deficiencies that can put money in your pocket. * Protect your assets from creditors (100% legally). * Negotiate the best possible settlements. * Be debt-free for life.
Debt Cleanse shows you how to gain leverage over your creditors. You can settle your unaffordable debts for pennies on the dollar – and not pay some at all. Don't let your debt burden you one more day.
This book will set you free.
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52
The ABCs of Getting Out of Debt: Turn Bad Debt into Good Debt and Bad Credit into Good Credit
Garrett Sutton
4.6
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53
How to Stop Living Paycheck to Paycheck: A proven path to money mastery in only 15 minutes a week! (Smart Money Blueprint)
Avery Breyer
4.6
In this timeless bestseller, you'll get the motivation and know-how for building up a big stash of emergency cash, getting out of debt, making sure you never run out of money, and avoiding the 11 worst budget traps (that will ruin your financial plans if you let them!)
"This is one of the greatest books that I have ever read concerning budgeting" Amazon Reader
Find out the most important things that you can do to take control of your money and pay off debt. Get the budget how-to, tools, and knowledge you need to finally get ahead. You'll learn a complete budget system that works for beginners and takes only 15 minutes per week to maintain.
This is a straightforward budget planning method that will completely transform your finances, and eliminate your money worries once and for all.
You will also be given free lifetime access to The Money Tracker, a simple tool that makes budget planning quick and easy.
What's new in the second edition:
A brand new chapter has been added on the topic of money and happiness which is key to getting past money blocks that could be contributing to your paycheck-to-paycheck cycle, plus a few minor adjustments were made to the original manuscript.This is one of the budgeting books you NEED in your library. Buy NOW, learn how to make a budget that actually works, and transform your financial life forever!
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54
Endgame: The End of the Debt Supercycle and How It Changes Everything
John Mauldin, Jonathan Tepper
4.6
Greece isn't the only country drowning in debt. The Debt Supercycle--when the easily managed, decades-long growth of debt results in a massive sovereign debt and credit crisis--is affecting developed countries around the world, including the United States. For these countries, there are only two options, and neither is good--restructure the debt or reduce it through austerity measures. Endgame details the Debt Supercycle and the sovereign debt crisis, and shows that, while there are no good choices, the worst choice would be to ignore the deleveraging resulting from the credit crisis. The book: Reveals why the world economy is in for an extended period of sluggish growth, high unemployment, and volatile markets punctuated by persistent recessions Reviews global markets, trends in population, government policies, and currencies Around the world, countries are faced with difficult choices. Endgame provides a framework for making those choices.
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55
The Billionaire's Bargain
Naima Simone
4.6
Duncan James needs a wife and an heir in order to complete his revenge. He’s spent too long waiting to get what he wants to stop now. Tess Williams provides the perfect chance for him to get what he wants. She makes him ache unlike any other woman.
Tess needs to make sure her father doesn’t go to prison. Duncan makes a bargain. He’ll make sure her father doesn’t got to jail if she agrees to marry him. With no other choice, Tess agrees.
However, Duncan has a plan. He’ll make Tess fall in love with him so he can get everything he wants. He doesn’t do love or commitment.
He doesn’t plan to fall in love, but fall in love he does. What will happen when Tess learns the truth? Will her love be enough to face the truth or will his revenge be enough to keep him warm at night?
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56
The Price Of Desire
Jo Goodman
4.6
USA Today bestselling author Jo Goodman delivers a deliciously wicked tale of forbidden desire that knows no limits.
Olivia Cole is devastated to learn that her ne'er-do-well brother has promised her to the operator of a London gaming hall as payment of his debts. Olivia accepts her fate-even if it means that her reputation will suffer from living among rogues and gamblers. But when she meets the sexy and mysterious Griffin Wright-Jones, Viscount Breckenridge, Olivia has more than just her good name to worry about--for he rouses in her wanton thoughts she's never dared entertain-until now.
Griffin wears the scars of his life on his striking face. Although he wants Olivia like no other woman before, he doesn't force her to share his bed-a difficult task considering how beautiful she is. But with each passing night, Griffin and Olivia's resolve weakens until finally they take their greatest gamble on one night of reckless pleasure.
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57
How To Manage Your Money: An In-Depth Bible Study on Personal Finances
Larry Burkett
4.6
People often try managing their money apart from God's plan. Bad plan.
Until people have an attitude change about money, it will continue to control and confuse them. How to Manage Your Money is an excellent tool to get readers on track toward a liberated financial life. This newly repackaged bestseller contains updated material and a step-by-step, in-depth study of God's principles for money management.
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58
Destroy Your Student Loan Debt: The Step-by-Step Plan to Pay Off Your Student Loans Faster
Anthony ONeal
4.6
You don’t have to spend decades paying off your student loans! You can destroy your debt fast and live a life of freedom.
You’ve been lied to: there’s no such thing as good debt. Debt sucks. Period. And that includes student loan debt. No matter what you believed—or were told—when you took out your loans, you need to get serious about getting rid of your debt fast, because it’s costing you more than you know. That’s why bestselling author Anthony ONeal wrote this motivating 64-page Quick Read—to show you why you need to dump your debt fast and how to do it.
If you have student loan debt and have never heard of Ramsey Solutions or the 7 Baby Steps, this 64-page Quick Read is for you. Anthony will walk you step-by-step through Baby Steps 1 and 2 to show you how to dump your debt forever. You’ll learn:
The ugly truth about how debt hurts you The importance of an emergency fund and how to budget (Baby Step 1) The power of the debt snowball (Baby Step 2) Exactly what to do to pay off your student loans faster How to control your money so it doesn’t control you You’ll also hear stories from real people about how they paid off their debt fast You don’t need relief from your debt, you need to get mad at it. Because the truth is, when you get mad enough, you can pay off your loans faster than you ever thought possible—and take control of your money, and your life, for good! Don’t let anything stand in the way of your future. This plan has helped millions get out of debt and you’re next. You can do this! (Ramsey Press)
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59
Star Wars Aftermath Trilogy 3 Books Collection Set By Chuck Wendig (Aftermath, Life Debt, Empires End)
Chuck Wendig
4.6
Star Wars Aftermath Trilogy 3 Books Collection Set By Chuck Wendig Titles in the Set Aftermath, Life Debt, Empires End
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60
Bye Student Loan Debt: Learn How to Empower Yourself by Eliminating Your Student Loans
Daniel J Mendelson and Ross A Hornish
4.6
Today, 70% of college graduates exit school with student debt - these students carry over $1.4 trillion dollars in loans. The average 2017 graduate will leave school with over $37,000 in debt and an average payment of over $350 a month. BYE Student Loan Debt was created by author Daniel J. Mendelson to tackle this very epidemic. He and his wife once had nearly $150,000 in debt as a result of 14 combined years of secondary education. By following the principles outlined in this book, they eliminated it all within 5 years and gained financial freedom! Use the 5 simple step process outlined with interactive online calculator tools to customize a repayment solution and empower you to eliminate your student loan debt. Say BYE to student loan debt, and hello to financial freedom! For those that are already in student loan debt, this book will show you the fundamentals of how to understand, manage and eventually eradicate your debt. For those yet to take out loans, the book will highlight the principles required to minimize your debt burden and prevent a lifetime of student loan payments. Within these chapters, you will learn to: 1) Organize your loan situation and set realistic goals 2) Create a budget and make a plan 3) Bargain hunt for favorable loan consolidation terms 4) Execute a loan plan by prioritizing the most costly loans first 5) Employ programs to alter, delay, or have loans completely forgiven 6) Save and invest for your future 7) Prevent student loan debt from the beginning of your education 8) Customize a loan repayment plan with interactive online calculators
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61
How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar: Without Filing Bankruptcy
Martha Maeda
4.6
Do you struggle each month to make minimum credit card payments? Are you 30, 60, or even 90 days late on several accounts? If so, you aren't alone. According to a January 2010 report from the U.S. Federal Reserve, there are 609.8 million credit cards held by U.S. consumers, and the average credit card debt per household is $15,519. In the last 12 months, 15 percent of American adults, or nearly 34 million people, have been late making a credit card payment, and 8 percent (18 million people) have missed a payment entirely, according to the National Foundation for Credit Counseling. If these statistics hit home for you, don't turn to bankruptcy to solve your financial woes. This book will provide you with the tools to legally settle your credit card accounts -- without ruining your financial situation for years to come. How to Legally Settle Your Personal Credit Card Debt for Pennies on the Dollar is for everyone who is unable to pay mounting minimum payments on their credit cards. You will learn everything you need to know about the basics of credit card debt, including interest rates, finance charges, minimum payments, and late fees. Discover what actually happens to your credit when you are late making your payments or stop making payments altogether and how long it takes before your credit cards debt is sold to a collection agency. This book will provide tips and strategies for negotiating with your original creditor and collection agencies and sample settlement letters you can use when working with creditors. Equip yourself with proven strategies for legally challenging the validity of your credit card debt and information on how to determine whether your rights are being violated under the Fair Debt Collection Practices Act. You will find out the advantages of not filing bankruptcy and how to work with credit counselors and avoid debt-reduction scams.Once you have successfully settled your debt and avoided bankruptcy, you will learn how to avoid repeating these mistakes in the future by setting budgets, cutting costs, and lowering interest rates. Learn how the Credit Card Accountability, Responsibility, and Disclosure Act, which went into effect in February 2010, affects you as a consumer. While these new rules do not absolve consumers of their obligations, they do mean that credit card companies can no longer retroactively increase rates, charge misleading late fees, or use over-limit fee traps. We have spent hundreds of hours interviewing top financial experts, bill collectors, and individuals just like you who were able to legally settle their credit card debt without resorting to bankruptcy. If you are tired of dodging phone calls from collectors or worrying about how missed payments have ruined your credit score, get yourself back to a more stable financial situation -- one where credit card debt is a thing of the past.
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62
The Hole We're in
Gabrielle Zevin
4.5
From award winning writer Gabrielle Zevin comes a biting, powerful, and deliciously entertaining novel about an American family and their misguided efforts to stay afloat--spiritually, morally and financially.
Meet the Pomeroys: a church-going family living in a too-red house in a Texas college town. Roger, the patriarch, has impulsively gone back to school, only to find his true ambitions at odds with the temptations of the present. His wife, Georgia, tries to keep things in order at home, but she's been feeding the bill drawer with unopened envelopes for months and can never find the right moment to confront its swelling contents. In an attempt to climb out of the holes they've dug, Roger and Georgia make a series of choices that have catastrophic consequences for their three children--especially for Patsy, the youngest, who will spend most of her life fighting to overcome them.
The Hole We're In shines a spotlight on some of the most relevant issues of our day--over-reliance on credit, vexed gender and class politics, the war in Iraq--but it is Zevin's deft exploration of the fragile economy of family life that makes this a book for the ages.
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Recommended by Daymond John, Aisha Yesufu, DJ Vlad, and 6 others.
