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Deal with Your Debt: The Right Way to Manage Your Bills and Pay Off What You Owe
- By Liz Weston
- Published Aug 17, 2005 by PH Professional Business. Part of the Liz Pulliam Weston series.
- Copyright 2006
- Dimensions: 6x9
- Pages: 240
- Edition: 1st
- Book
- ISBN-10: 0-13-185675-8
- ISBN-13: 978-0-13-185675-2
- eBook (Watermarked)
- ISBN-10: 0-7686-6811-5
- ISBN-13: 978-0-7686-6811-7
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Product Author Bios
Liz Pulliam Weston is one of MSN Money's most-read columnists and author of the Q&A column Money Talk, which appears in newspapers nationwide, including the Los Angeles Times, the Cleveland Plain Dealer, and the NewarkStar-Ledger. She appears weekly on CNBC's Power Lunch and regularly on other radio and television programs, including NPR's All Things Considered.
An award-winning journalist, Weston is also a graduate of the certified financial planner training program at the University of California, Irvine. She is author of Your Credit Score: How to Fix, Improve, and Protect the 3-Digit Number That Shapes Your Financial Future (Prentice Hall 2004).
© Copyright Pearson Education. All rights reserved.
Most people carry debt for most of their adult lives. Yet, most books on debt focus mainly on how to pay it all off, and live forever without it. Too often, following that advice leads only to failure. People either give up, or pay off the wrong kinds of debt. They strand themselves with too little flexibility to survive a financial crisis -- and land in bankruptcy court. They neglect saving for retirement, homes, or college, and end up poorer than they might have been. For most people, it’s more realistic -- and smarter -- to control and manage debt effectively, rather than eliminating it completely. Debt Smart shows how. Award-winning personal finance columnist Liz Weston explains the rules and explodes the myths surrounding debt. Discover the crucial role debt can play in a portfolio, identifying debts that actually contribute to wealth and flexibility, while avoiding or eliminating “toxic” debts. Weston presents effective strategies for evaluating, monitoring, and paying every form of debt, from credit cards and mortgages to student and auto loans. She offers practical guidelines for how much debt one should take on. Find realistic (and often surprising) guidance on everything from home equity loans and 401K borrowing to small business loans.
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23 of 23 people found the following review helpful
great information - but use with caution, By Paul Skinner (Manassas, Virginia United States) - See all my reviews
This review is from: Deal with Your Debt: The Right Way to Manage Your Bills and Pay Off What You Owe (Paperback)
This book is full of great information on high to prioritize your financial life in terms of debt reduction, retirement saving and other saving. But the advice assumes the reader has a fair amount of discipline (i.e., ability to budget and constrain extraneous spending). The book goes into great detail on how to balance debt reduction with maintaining financial flexibility, maintaining good FICO scores, etc. But far too many people who are deeply in debt (and seeking help from books like this) have a spending habit that needs more drastic surgery than this book gives. So, I would say this book gives outstanding advice, but only for a subset of the public who have the right discipline. For many folks, the more drastic "surgery" advocated by cheerleaders like Dave Ramsey will be more effective.
9 of 11 people found the following review helpful
The easiest to read, most comprehensive debt book ever, By TJ Graves "Crazy Cat Lady" (Belleville, WI USA) - See all my reviews
Amazon Verified Purchase(What's this?)
This review is from: Deal with Your Debt: The Right Way to Manage Your Bills and Pay Off What You Owe (Paperback)
I bought three debt books the last time I was at Amazon. They were all good, but this was the most comprehensive in easy to read format and sentences that it made things easy to develop a plan from this book. I already passed it on to two other people.
15 of 21 people found the following review helpful
Thorough unbaised advice, By
This review is from: Deal with Your Debt: The Right Way to Manage Your Bills and Pay Off What You Owe (Paperback)
I have known Liz Weston for years as a journalist and have always found her to be very thorough and no-nonsense. This book is no exception. It's well researched with unbaised and sensible strategies for dealing with debt. I had the opportunity to interview Liz on my internet radio show EverydayWealthRadio recently about the book and she clearly has great advice on this topic. She addresses things like 401k loan, pros and cons of different types of debt, and the common questions I hear from consumers,
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Table of Contents
1. Isn’t Debt-Free the Way to Be?
2. Your Debt Management Plan.
3. Credit Cards.
4. Mortgages.
5. Home Equity Borrowing.
6. Student Loans.
7. Auto Loans.
8. 401(k) and Other Retirement Plan Loans.
9. Loans You Don’t Want to Get–or Give.
10. Dealing with a Debt Crisis.
11. Putting Your Debt Management Plan into Action.
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Index
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