There are many physical and mental implications when one is in debt, especially if the said debt is of a considerable amount. Many people don’t realize the extent these implications can have both in the long term and short term. Therefore careful consideration should be given to the following to understand just how debt impacts one’s life.

In This Book, You Will Learn:

Chapter 1:
How Debt Affects Your Whole Life

Chapter 2:
Learn To Live With Necessities

Chapter 3:
Make A Budget

Chapter 4:
Pay More Than The Minimum

Chapter 5:
Don’t Use Home Equity To Pay Off Debt

Chapter 6:
Reuse And Recycle And Put The Savings On Debt

Done for you product with private label rights worth $97!

Most people are weary of budgeting due to the wrong perception that budgeting would mean having to stop spending on non-essentials and concentrating only on essentials. This of course is furthest from the true as budgeting really allows the individual to properly manage his or her account so that a comfortable living can be carved out. Get all the info you need here.

In This Book, You Will Learn:

Chapter 1:
Budgeting Basics

Chapter 2:
How To Create A Budget

Chapter 3:
How To Have Budgeting Success

Chapter 4:
Using A Budget Worksheet

Chapter 5:
About Overspending

Chapter 6:
How Using Cash Helps

Simply put: Debt is that which is owed; usually referencing assets owed, but the term can also cover moral obligations and other interactions not requiring money. In the case of assets, debt is a means of using future purchasing power in the present before a summation has been earned. Some companies and corporations use debt as a part of their overall corporate finance strategy.
A debt is created when a creditor agrees to lend a sum of assets to a debtor. In modern society, debt is usually granted with expected repayment; in most cases, plus interest.

In This Book, You Will Learn:

What Is Credit Debt? 4
Types of debt 4
A Debt Obligation 4
Private Debt 4
A Basic Loan 4
Bonds 5
Credit Card Debt 7
How To Prevent Credit Card Debt 7
1. Don’t Get A Credit Card 7
2. Pay As You Go 7
3. Get A Card With Strict Limits 7
4. Pay What You Really Can Afford 8
Getting Rid of Credit Card Debt 8
1. Make Cutbacks To Increase Income 8
2. Try Snowball Payments 9
3. Snowflake Payments 9
Student Loans 10
Federal Loans 10
Direct Loans and Federal Family Education Loans – FFEL 10
Federal Student Loan Amounts and Terms for 2010-2011 10
Private Loans 15
Working on Student Loan Debt 16
Mortgages 18
Prioritize 18
Consult Your Lender 18
Refinancing Options 19
When it’s a Good Idea 19
When it’s a Bad Idea 20
Bankruptcy Facts 21
History 21
Bankruptcy in the U.S. 22
Student Loans & Bankruptcy 26
How to Discharge Student Loans in Bankruptcy 26
Chapter 13 and Student Loans 27
Key Points 28
Bankruptcy in the U.K. 30
Credit Score Facts (U.S.) 33
Credit reporting agencies 34
NextGen score 34
VantageScore 35
Your Path to Success 35

Are you curious what the most common reason that individuals still cannot ready accept responsibility for their personal financial life and regain control over their credit card debt? It is that they continue to point the finger at other individuals, the form of government, economy, their boss, economic system or anyone or anything besides themselves.

The sole justifiable and legitimate excuse to be in debt is those unfortunate individuals who discover themselves in the midst of a frightful health panic and whipped up some massive debts to take care of it. Unless that is you, there’s something you need to discover: Knock it Off.

In This Book, You Will Learn:

Chapter 1:
Quit Pointing the Finger

Chapter 2:
Getting A Grip On Priorities

Chapter 3:
Beginning Ways To Clear It Up

Chapter 4:
Do You Know About Snowballing?

Chapter 5:
Do It In Bits

Done for you product with private label rights worth $97!

If you’re reading this then you are, no doubt, considering a debt counseling service. So, are they worth it? Do they work? Are they a scam? I intend to answer all of these questions and more with this book as well as provide you with some solid methods of relieving your credit debt that you can implement before you try and contact a credit counseling service.

As for whether or not they are legitimate there is no clear-cut answer. Credit counseling services can help people get out of debt and totally turn their lives around. They can also be a complete waste of time and end up costing you thousands of dollars. It all depends on the company you choose and whether or not your debt crisis actually requires the attention of a debt counseling program in the first place.

First we’re going to discuss what exactly a credit counseling service is, what it is not and what it can do for you. This will probably be the biggest step in determining if a debt counseling service is right for you because most people don’t actually know what these types of services do and are often confused by the alternative names they can sometimes go by.

Once you’ve learned the basic functions of credit counseling services then we’ll need to take a slight detour into the world of bankruptcy. The credit counseling services main priority is to help you avoid bankruptcy so it’s extremely important to understand what bankruptcy is and how it can affect your life and your credit. This is a big step in deciding whether or not you actually need to bother with a credit counseling service or if your debt is too big and you need to consider this infamous but ultimately effective tactic.

In This Book, You Will Learn:

The Pitfalls of Debt 4
What is a Credit Counseling Service? 7
Consolidation vs. Debt Management vs. Credit Counseling 7
Credit Counseling and Debt Management 8
Common features of Debt Management Programs 10
So is it a scam? 11
When it’s Time to Seek Counseling 13
Credit Counseling Companies Hate Bankruptcy! 16
What to Look For in a Credit Counseling Company 19
When Looking for a Good Credit Counseling Service 19
Credit Counseling Services Reviews 20
CareOne Debt Relief Services 20
Family Credit Counseling 21
Debt Busters 22
Springboard 24
Debt Shield 25
Oak View Law 26
Taking Care of Your Own Debt! 29
The Five Essential Steps 29
The “Snow-Themed” Payment Scheme 31
Snowball Payment System 31
Snowflake Payments 32
Other Possibilities 33
Unlawful Credit Agreements 33
The Minimum Is Really Your Enemy 33
Create a Buffer and Pay When You Can, Not When You Must 34
Premeditated Payments 36
Beware of Forbearance 36
The Road to Debt Recovery 38

A good and fully comprehensive family finance planning exercise should ideally include items such as dreams, goals, resources, and responsibilities of the entire family unit.

Family budgeting is very different from the budget requirements of a couple. The needs of a family unit differ greatly from that of a couple without the commitments of having children. Get all the info you need here.

In This Book, You Will Learn:

Chapter 1:
Family Finance Basics

Chapter 2:
Put Together A Family Meeting For Financial Goals

Chapter 3:
Evaluate Your Financial Standing

Chapter 4:
Eliminate Extra Spending

Chapter 5:
Find Ways To Have Cheap Fun

Chapter 6:
Get Financially In Sync With Your Partner

Chapter 7:
The Dangers Of Not Getting Your Finances In Order

Education is one of the most expensive endeavors that anyone can partake in. Like the stock market or real estate it’s an investment. Unlike the stock market or the real estate market it’s a very long-term investment and the investment of more than just money; you’re investing your future.

Part of the reason anyone tries to attain a higher education is so that they can have a job that they love and, ideally, make a good salary to support their family or their lifestyle. Unfortunately a lot of people don’t know how to finance their education so they take out massive education loans with ridiculously high interest rates. This might get to into a job you love but paying back the loans is often so taxing that many people find they would have been better off financially if they worked at a local fast-food chain.

Grants and Scholarships are free money that you can use to pay for your education. They can allow you to severely reduce your education-related debts or even go through school with no debt at all! Imagine what you could accomplish, how different your life could be if you could get your degree for little to no cost. There’s no better investment than one which requires very little initially and provides a huge return.

In This Book, You Will Learn:

1. Financing your Education 5
2. What is a Grant? 6
3. How Do I Apply for Grants? 7
The Fantastic FAFSA 7
FAFSA Eligibility 8
Applying for Aid 9
Other Grant Options 9
Writing for a Private Grant 10
Department of Education Grants 12
Federal Supplemental Educational Opportunity Grant 12
Federal Pell Grant 12
National SMART Grant 13
Teach Grant Program 16
4. What is a Scholarship? 20
Scholarship Classifications 20
Local Scholarships 21
5. Where Can I Get Scholarships? 24
High School Seniors 24
• The U.S. Presidential Scholars Program 24
• The National Merit Program 24
• National Honor Society 25
• U.S. Army ROTC Scholarships 25
• U.S. Airforce ROTC Scholarships 25
Women 26
• APS/IBM Research Internship 26
• AAUW 27
Minorities 27
• Gates Millennium Scholars 27
• American Chemical Society 28
• American Hotel & Lodging Ed Foundation 28
• CIMD 29
• Harvard University 29
Teachers 30
• U.S. Dept. of Education 30
Nurses & Medical School 31
• HRSA 31
• U.S. Army Health Care Opportunities 33
• American Association of Critical Care Nurses 33
• Emergency Nurses Association 34
• HRSA & BPHC 35
• U.S. National Institutes of Health 36
• Lilly Reintegration Scholarship program 38
College & Graduate School 40
• Barry M. Goldwater Scholarship 40
• Harry S. Truman Scholarship Foundation 43
6. The Future and Beyond 46

Done for you product with private label rights worth $97!

Money management is an art. Sadly, it is becoming a lost art.

We are becoming poorer each day just because we cannot manage the resources that we have so painstakingly accumulated. We do not know how to manage our assets and nurture them to grow.

Inside, you will learn various ways of money management for all ages and all walks of life.

Have an enriched experience reading this eBook. It might just help you gain better control of your life.

In This Book, You Will Learn:

Chapter 1:
Beginning Early to Do Better – The Lemonade Way

Chapter 2:
Teaching Kids to Manage Money

Chapter 3:
Money Management for Teens

Done for you product with private label rights worth $97!