If you are getting behind on your bills, or are already neck deep in past due bills, delinquent credit cards, and possibly considering bankruptcy, then this book might be for you.
If you are paralyzed with where to begin, because you want to do the right thing, but it seems impossible then this book is definitely for you.
You really can change if you want to, you just need to learn how to beat the financial monsters at the end of your book!
I was in a rough position nearly 10 years ago. I filed bankruptcy once when I was 20 and I nearly again when I was 27. I decided to fight back the second time however. I realized that change I needed had to come from me or I was doomed to repeat similar mistakes over and over.
Once I decided to make a change, I learned how taking action and taking things step by step will get you further than trying to do everything all at once. Conversely doing nothing for months at a time will create added fear and larger financial problems.
At one time when I was single and living in a 35 ft travel trailer, it seemed like I would never amount to anything. I was sure life was doomed to this miserable existence.
Since then I repaid a car that had been repossessed, and credit cards that had been in delinquency for more than 2 years. Somewhere in between, I got married and we finished paying off my debt, and all of hers. The last $26,500 we paid off in 15 months! We have gone on to buy a home, have two kids (well one is on the way at the time of this writing) and have been living a life with out credit cards and car loans for many years now. Don’t get me wrong, I am no Donald Trump,l or Dave Ramsey, but I want to mereley show you that there is life after bad debt.
I have also gone on to become a Dave Ramsey Certified Coach and have helped countless others become debt free, and taught them to take action when it comes to their finances.
My goal is to help you shorten the path, and ultimately lessen the pain of financial failure, by giving you precise steps to get you started, then teaching you how to make tough financial decisions.
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