Get out of debt books

Hello-

I run a free get out of debt book giveaway on my Debt Cures Reviews site and wanted to offer that same giveaway on this site.

Basically, each month, I select one person to receive a free copy of either Debt Cures or The Total Money Makeover.

Why do I give away free books each month?

Well for one, I want to help people get out of debt.  And two, I do make some money running these sites and want to share that with others.

What do you have to do to signup for the free get out of debt book giveaway?

You have to signup for my free 30 days to getting out of debt course.  Once you do that and confirm your subscription, you will be entered.  Then, at the end of each month I will select one winner and email them to select their book.

Enter your first name and email address below along with your most pressing question about credit or debt and then confirm your info and you’ll be entered:

What’s so special about my free 30 days to getting out of debt course?

By running these sites, I have learned some tips about paying down your bills, minimizing your expenses and getting out of debt.  Over 30 days, I will share those tips with you.

Here’s what others have said about my free debt course:

“I’d like to thank you for this 30 day plan I learned so much each day and even remembered some things I forgot.” - Keisha

“Lots of nice tips. Thank you.” - Jim

“Received information desired on curing my debt.” - Alan

“Adam, I enjoy all the e-mails and they are helping.” - Kimberley

You are free to unsubscribe at anytime if you don’t feel it’s worth your time.  No hard feelings.  I hate spam too and will not share your info with anyone.

Here’s the names and books won from people who received a free get out of debt book from me:

January: Antoinette from PA. - Won free copy of Debt Cures

February: Rhonda Y. from PA. - Won free copy of Debt Cures

March: Nancy from FL. - Won free copy of The Total Money Makeover

April: Alan from PA.  - Won free copy of Debt Cures

May: Crystal from FL.  - Won free copy of The Total Money Makeover

Thanks for reading.

Have a great day!

-Adam

Hello-

Do you know what you have to do to get out of debt?

You probably already know the answers, save more, spend less.

Easier said than done when there’s all these new gadgets that come out every other week or so.  It’s hard to save money when you see a hot new car that you just have to have.

It’s hard to stop charging on your credit card when there’s a new season of Lost or The Office released on DVD this Tuesday.

The first thing you have to do when you want to get out of debt is resolve not to spend any more money that you don’t have.

That’s what so nice about credit cards - you get to buy and enjoy stuff with money that isn’t yours.  You get to spend other people’s money - the credit card companies.

And then 20-25 days later they want some of that money back with a courtesy fee of course - interest.

I was browsing around Yahoo and found these tips to help you reduce your debts:

“Stop spending and start paying. Sell your stuff, get a job (or a second job), get a roommate, sell your car and use public transportation, spend the absolute minimum on food, no new clothes, no new anything - shop at a thrift store if you absolutely must have something”

Keep this in mind, you are never going to pay off your debts if you do not stop spending money.

Make it a test for yourself and challenge yourself to not spending money on things you don’t need for a week.  Then go 2 weeks then go one month.  If you can do this then you’ll be off to a good start.

You need to think about things a little differently.  You need to consider what you are preventing youself from doing by being in so much debt.

It’s hard to travel the world if you have a mountain of debt to pay off.

It’s hard to do volunteer work for your favorite cause if you have debt collectors calling you asking for money.

There are hundreds of things you are prevented from doing because you have so much credit card debt it makes you lose sleep at night.

So what does it take to get out of debt?

First, you have to stop spending money.

Do that and you’re halfway there.

-Adam

Hello-

There are two get out of debt books I’ve already talked about on this site - Debt Cures and The Total Money Makeover, there is another author who’s books have been around for years. It has helped millions of people get out of debt using their current income in 5-7 years.

That author is John Cummuta. If you look for John Cummuta reviews on Google, you will not find very many negative reviews. You will find several positive reviews of people who have used his books and audios to get out of debt.

John doesn’t stop with just helping you out of debt, he wants to help you get wealthy and have money to do with as you please. He wants you to be free of financial worry.

He doesn’t even want you to worry about using his program as he has a double your money back guarantee.

If you go through his course and don’t like it, you let him know and he will give you double your money back.

Maybe that’s one reason you don’t see negative reviews of his Transforming Debt Into Wealth course.

Check it out if you want to get out of debt yourself. Click here to get out of debt

-Adam

Hello-

Have you found yourself in trouble with credit card debt and want a way out? Have you considered debt consolidation? There are all sorts of places that can offer you help with your credit card debt through debt consolidation loans. Sometimes when you are in deep with credit card debt, the best help you can is with a company who specializes in debt consolidation. (Care One Credit is a highly reputable company that can help you debt consolidation.)

These companies will work with your creditors to negotiate lower payoff amounts than what you actually owe. Then they will shop around for a debt consolidation loan that will pay off your creditors and allow you to make one monthly payment to the lending company rather than making several different payments to your individual creditors.

The help you can get through debt consolidation for your credit card debt as well as other debt can be invaluable because these debt consolidation companies have special training as well as contact with various creditors that can be of a great advantage to you. With these contacts, they can help lower your monthly payments by having the credit card companies agree to a lower payoff amount as they know you will be getting a debt consolidation loan and they will be receiving their money – which they really like!

You can find many companies that help you with credit card debt through a consolidation loan. You will want to make sure that you are dealing with a reputable company, however. Do your research before you sign on the dotted line. They should provide you with a detailed written copy of what they will be able to do for you and the rights that you have when you are working with them.

A debt consolidation company that is on the up and up will also advise you of your rights as a consumer and provide you with a way to “get out” of the contract if you are unsatisfied with their services. They should also outline their fees and how you will pay those fees.

Another part of the help that a debt consolidation company can do for you when it comes to credit card debt is they can help keep you out of debt. After you have obtained your debt consolidation loan and you are making regular, on-time payments, they will help devise a plan with you that will keep you from getting into trouble again and provide counseling services that you can use in the future. It’s well worth the money you’ll spend if you seek help with credit card debt through a consolidation company.

One of the top recommended companies to use for debt consolidation is Care One. You’ve probably seen their commercials on TV. They also offer a free guide on Surviving Debt in addition to a free debt consolidation quote.

-Adam