Others say...

"Good, Sound Advice . . . . ."
First and foremost, the book was an easy read. The fashion that the writer conveys is one that is friendly and almost partnership-like. He certainly conveys a 'been there, done that' type of stance. Perhaps the most useful part of the book was the spending plan that the writer utilizes. While I was reading the book, I kept looking for the one 'thing' that would be part of the plan or 'the plan' to assist with one's debt woes. This spending plan and financial record is it. Other than that, I felt the book was one of lack-luster motivational paragraphs comparable to a support group. Overall, a good read and I would recommend only as part of one's arsenal. Not a magic pill.

"For all those with spending issues"
This book is the unofficial handbook for people with spending/debting issues. Helps set -up a budget and addresses related issues. I am reordering it cause lost other one and need to go thru it again.

"Easy and thoughtful way to clear your debt and free your life"
What I liked best about this book is that it's real. It doesn't sugar-coat the frustration and even embarrasment that you can feel when you find yourself 30,000 or more in debt. But it doesn't simply rub your hand and tell you to "manifest" prosperity either. Frankly, putting too much energy into the law of attraction is likely how we get ourselves into all this debt - trying to be like "everyone" else.

I digress.

The book puts out some straightforward steps for you to follow. Follow them and you'll eventually get out of debt. Not tomorrow. And without having to pay some userer for "debt consolidation counseling" either. But it's work.

I liken it to losing weight - you have to change you're whole mindset and make small, positive changes every day in order to acheive your goal. The same principles apply here. Make changes every day. Don't debt any more and follow the plan. No magic bullet - but haven't you realized they don't work anyway?

"LIVING PROOF"
Just 6 years ago (2001), I found myself under crushing student loan and credit card debt. You would be blown away by how much debt I'd amassed. I'd lost my job and the creditors were calling. My life quickly fell apart. I was depressed, anxious and mentally paralyzed, not knowing how to take back control. Creditors were calling every five minutes it seemed, yelling at me, threatening me. I was broke, and broken-hearted at where things were in my life. I even had to move back in with my parents which was humiliating. I read a lot of books on finances and two of them made all the difference in the world, "How to Get Out of Debt, Stay Out of Debt and Live Prosperously," and "Rich Dad Poor Dad." "Rich Dad" was about concepts and changing the paradigm of how I looked at money. "How to Get Out of Debt" was very, very specific with HOW to get out of debt and GET RICH SLOWLY. Reading "How to Get Out of Debt" was like my first day of sobriety. I had no idea that I even had this debting habit, as dumb as that may sound. I was reading the book, going "wow--that's me!" I applied the BACK TO BLACK principles, day by day, month by month, year by year. And now, 6 years later, I celebrate my first full year of ownership in my first home--which seemed an impossible dream just two years ago. I own my car outright. I have zero credit card debt. And my overall student loan debt has been reduced by at least 40%. I pay cash that I've saved for things that I need. I PAY MYSELF FIRST! (this is a key principle in both books). And believe it or not, I haven't had a credit card in about 10 years now--I use a Visa checkcard. Without a credit card I've traveled to Europe, Mexico and Central America, rented cars, and paid for emergencies. And I don't live impoverished. I just live within my means, and pay cash with money saved. It's a complete myth that you need a credit card to survive. This book helped me to understand that. It was also very specific as to what happens if a creditor takes you to court or ruins your credit, which are probably the two biggest threats they have over you. Knowledge made all those things less scary. Ultimately, I would say this book is about how to replace unhealthy money habits with healthier ones. If this book cost $1,000, it would still be worth it. At $10, it's a blessing.

"Please read, it will teach you how to help yourself"
If you are like me and you are trying to pay your bils and debts in a responsible and timely manner..this book is for you. I have read some of the other " financial authors" out there and I always felt lost and that there advice was just out of my needs..this book was right on. After I followed the spending plan record ( Wow, do you honestly want to know what you are spending, this will open your eyes) and wrote all my debts down in black and white, I feel that I can tackle all my money issues in a clear and concise manner.
After following this plan, I am now ready to move on to retirement planning, college savings, etc. If you are trying to get through today so you can get to tomorrow, this financial guide is for you.