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Don't be a sucker for credit cards!
Remember $2.000 charged may = $9,000 &  30 yrs of payments

Don't charge on impulse! Wait a day, then pay cash or pass
Each charge you avoid,  takes you closer to financial freedom
Be $ wise-Live off 70% - Pay debts with 20% - Save 10%
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Publication Date: December 28, 2010
Amazon Book Description:

Start... "Most of us grew up with the idea that there is good debt and there is bad debt.   Good debts are generally considered to be debts you incur to buy things that can go
up in value—like a home or college education.  Bad debts are things like credit card balances, where you borrowed money to buy things that depreciate or go down in value,
like most consumer goods.

But as America’s favorite financial coach, David Bach, points out, in difficult times there is no such thing as good debt.   There is only debt.  And all debt is too expensive—if
what you desire is FREEDOM!  In fact, Bach believes the best investment you can make today is to pay down your debt, faster and smarter than you have ever attempted
before—starting today!

In Debt Free for Life, #1 New York Times bestselling author David Bach has written his most groundbreaking and important book since The Automatic Millionaire, giving us the
knowledge, the tools, and the mindset we need to get out of debt and achieve financial freedom— forever!  Offering a revolutionary approach to personal finance that teaches
you how to pay down your debt and adopt a whole new way of living – debt free. Bach unveils the Debt Wise program that empowers you to pare down your debt
automatically.  You’ll learn how to calculate your Debt Freedom Day – the actual date you will be completely free of debt.  And you’ll discover that when you are debt free,
you need a lot less money to live on. You can retire, even with a smaller nest egg -- perhaps earlier than you expected.

David Bach has coached millions to pay off their debt and now he can guide you.  Whether you have home loans, student loans, car loans, credit card debt—paying down
your debt is truly a game you can win, if you know the rules.  Debt Free For Life will teach you the rules and give you the tools to buy back your freedom." ...End
Title: Debt-Free Forever
Publication Date: April 13, 2010

Amazon Book Description:

Start ... "Tired of getting to the end of the money before you get to the end of the month? Wish you were in control?

If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-
Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s
step-by-step guide, and she’ll show you how to:

figure out how much you’ve actually been spending
calculate how much you owe—and what it’s costing you
build a budget that works
maximize your debt repayments so you can be free of consumer debt in 3 years or less
prepare for a rainy day so it doesn’t mean a major setback
set goals for your new, debt-free life

Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with
excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever." ... End.
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