Life Without Debt: Free Yourself from the Burden of Money by Bob Hammond

By Bob Hammond

Existence with out Debt supplies the instruments you want to live on during this credit-oriented and debt-plagued society. In his newest publication approximately breaking unfastened from the cycle of debt and depression, best-selling writer, Bob Hammond, teaches you the philosophy of "debt-free living". His ebook indicates you the way to stabilize your monetary lifestyles as soon as and for all.

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Extra resources for Life Without Debt: Free Yourself from the Burden of Money Worries Once and for All

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Unlike installment loans, open-ended accounts give you some flexibility in repaying what you owe. It's to your advantage to pay as much as possible each month to avoid finance charges. During difficult financial times, you have the option of paying the minimum on your charge account until the next billing period. If you continually pay only the minimum, however, you may eventually pay more in finance charges than the cost of the item you purchased. Closed-ended credit involves a one-time loan made for the purchase of a costly item like an automobile or major appliance.

S. S. Mortgage Lenders for information on rapid mortgage reduction and money-making opportunities. Thanks to these individuals and organizations, Life Without Debt has become more than a conceptit's a reality. Page v CONTENTS Introduction vii Part I: Building and Maintaining Good Credit x Chapter 1: An Overview of Credit, Good and Bad 1 Chapter 2: Understanding and Obtaining Credit 10 Chapter 3: The Problem with Plastic: Living with Credit Cards 21 Chapter 4: Protecting Yourself against ATM and Credit Card Fraud 38 Chapter 5: Wise Home Buying 44 Chapter 6: Smart Auto Buying 66 Chapter 7: A Debt in the Family 79 Chapter 8: Student Loans: What They Didn't Teach You in College 89 Chapter 9: Saving and Investing 96 Part II: The Psychology of Debt-Free Living 108 Chapter 10: The Psychology of Compulsive Debt and Spending 109 Chapter 11: Debt Addiction 116 Chapter 12: Develop a Debt-Free Mindset 121 Page vi Part III: Getting Out of Debt and Dealing with Crises 125 Chapter 13: Eight Steps to Financial freedom 126 Chapter 14: Getting out of Debt 136 Chapter 15: Restructuring Your Debt 144 Chapter 16: Cease and Desist: Strategies for Ending Creditor Harassment 149 Chapter 17: Debt and Taxes: Strategies for Dealing with the IRS 162 Chapter 18: Deep in Debt: Bankruptcy and Its Alternatives 173 Chapter 19: Fighting Foreclosure: Are You Getting Behind on Your Mortgage Payments?

Select the bank institution wisely. Choose those that are seeking new business aggressively. 2. Find out if you qualify for the card by asking what the credit requirements are. Page 25 3. Before applying, calculate your personal debt-to-income ratio. ) Most financial institutions won't even consider you if your debt-to-income ratio is higher than 50 percent. ) 4. Always list a checking and savings account on your application, even if you have very small balances. 5. Fill in all spaces as best you can.

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