… and another thing … here’s the best sentence yet from your book ….
|“You and no-one else, can decide how much of your discretionary income you’ll spend on non-essentials and how much is available to pay down debt.”
A lightbulb has gone on. For me this is the CRUX of it all. It’s up to me…
|I like the wording “pay down debt” – it has definitely made me think that not spending up to the hilt every month will help me to decrease my debt. I’ve just been letting the money drizzle out of my account without actually thinking about where it is going and how just making some resolutions about not spending as much will help me creep back to the black.I will continue!
Your book is immensely readable, even though I’ve never been in that position, and as much a blueprint for a successful life as a manual for debt management. A fine achievement.
“Comprehensive and Practical This is a great book, well-written and enjoyable to read. Full of practical ways to get yourself out of debt – and then stay in the black. I loved the case studies – helps to know that people have managed to deal with worse situations! The author urges us to get clear about where we are financially, and to start doing something about it.
There is a comprehensive resource section at the back, and the sample letters at the back was a nice surprise – so often we don’t tackle problems because we don’t know where to start, having these templates makes it much easier. If you have issues with debt, aget this book and sort it out now.”
“Enjoyable and useful. If you struggle with debt, it seems hopeless. This book offers you a solution.
In between with easy to read style and useful tips, I enjoyed the read and would gladly recommend it.”
“A useful handbook for living within your means.
This is a been there, done that, got the T shirt book. In other words its written by someone who knows the issues and learned to deal with them.
Worth the small change it costs to put it in your library and read it in a spare moment when you cannot afford to go down the pub.”
“This book is written using the very useful resource of first hand experience which makes it very poignant and useful. The three approaches to escaping the downward spiral of the effects of debt are practical and easy to follow. It is written with humour and gives the reader the comfort that they are not alone in experiencing the misery that financial problems can bring.”
“In this day with the economic situation still putting people on edge, this book gives a lot of information. The sections cover causes, approaches, and even how to reduce stress caused by debt. It is not a hopeless situation as you learn to face the facts of current situation and then three plans on how to deal with it. It even has a last section on how to stay out of debt and resources.”
“This book details the author’s personal experience of managing escalating debt. Whilst telling his personal story he has woven a plan of action for those finding themselves in similar situations. A lot of excellent advice to avoid the pitfalls whilst in negotiation with creditors along with reference to self esteem and handling stress. Well worth a read.”