Knock Out Your Debt

About the Book

Americans are being overwhelmed with debt.  71% of all Americans live paycheck to paycheck.  The average American spends $1.25 out of every dollar earned.  There is a bankruptcy filed every 15 seconds.  89% of all divorces are directly related to debt.  Our senior citizens are using credit cards 90% more often than 10 years ago.  Everyone wants our money and sadly enough we are giving it to them.  More than we earn!  "Knock Out Your Debt" will take you on a journey to Financial Peace Of Mind.  This is NOT a get rich quick program, but an exciting trip to Financial Independence.

"Knock Out Your Debt" will teach you proper money management skills.  Avoid the credit card, buy now, pay later attitude.  Learn how to take control of your finances.  What to do if you cannot pay your bills.  The importance of your credit report and FICO score.  Your FICO score is one of the most important numbers you own.  How do you raise your FICO score.  What is your debt-to-income ratio and how is it used by lenders.  Keeping track of your spending habits, as an accounts receivable/accounts payable department does to stay in business.  Simple ideas and tasks that will increase your income.  Proper budgeting.  Practice the technique to get out of debt in the shortest amount of time possible; the roll up process.  Individual chapter questions to sharpen your knowlege of money.  Knowledge is power, but only another word with-out action steps and a specific game plan.  I can guarantee your results if you follow the advice.  This book can change your life forever.  However, it is up to you.  Who are each of us accountable for?  You can do this!  Where do finances rate as a priority when it comes to you and your family?  Avoid unexpected surprises.  Start today!  Dare to dream and make them come true.     

About the Author

 Let me start by saying something you have never heard, "been there, done that".  Along with unavoidable negative circumstances, wrong choices, and not understanding the principles of money, I hit rock bottom.  My home was my car.  I also owned a few clothes and a 19 inch T.V I had nowhere to plug in.  I did not care about anything.  We deserve better but seem to make the wrong choices over and over again.  Once I hit bottom and stayed there for awhile, it dawned on me that I am the only one who can change this.  Please do not wait until you hit rock bottom.  It is not a nice place.  You may be there now or were in the past and know exactly what I mean.  How about your Future?  You deserve better!  Who is that up to?  That is right...YOU!  START TODAY!

I have been helping people with financial challenges for close to 20 years.  Making a difference in people''s financial situation is my PASSION.  Let me repeat that; making a positive difference in people''s lives is my PASSION.  I have done thousands of Financial Education seminars and have had the honor and privilege of speaking to hundreds of thousands of people.  As I mentioned earlier, we all deserve better.  Living paycheck to paycheck as I had done all my life, is with-out a doubt, avoidable.  "Knock Out Your Debt" is heart pulsing action, sit on the edge of your chair drama?  Nope.  Just one of the most important aspects of your life.  Proper Money Management to guarantee a bright and prosperous future. The book is full of information that will change your life over time.  I use it and it is full proof.  Guaranteed.  Some of the goals and processes to get there are difficult.  I have believed in myself for as long as I can remember.  BELIEVE YOU CAN AND YOU WILL SUCCEED.  Do it before you have more yesterdays than tomorrows.  Learn about increasing your monthly cash flow, credit cards, finding hidden money, what is a FICO score and why it is so important, calculate your debt to income ratio.  That is only the tip of the iceburg.  Start now.  Do not fantasize what Financial Peace Of Mind feels like, live it.  I am.  You can too!