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am 9. Dezember 2015
I'm more a "how to invest" guy with a "normal" debt amount.
My challenge was and still the high interests I'm paying each month instead of investing them to improve my financial health.

In this book you will find practical technics on how to repay your debt, but also the mindset and attitude required to succeed in your journey.

I recommend it to anyone struggling to get out of debt.
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am 22. April 2016
Ich fand das Buch lesenswert. Ich möchte hier nicht auf Details eingehen, Leseprobe herunterladen und Inhaltsverzeichnis durchgehen. Der Inhalt ist ein wenig aufgebläht aber doch in Summe lehrreich.
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am 23. Mai 2000
I first read this book almost by accident in September of 1997. I was browsing through a bookstore out of town, and there it was. I thought $7 couldn't hurt. I've tried everything else. Why not this book?
Well, 2 1/2 years later, I've been able to pay off more debt than I care to mention. ($20,000+ comes to mind as a fairly accurate figure). I have often wondered what makes a self-help book really helpful. There are several things about this book that I really liked.
The first is that it is not a book about investments and how to get rich quick. It's not about depriving yourself either. It really doesn't give any specific financial advice which is why I liked it so much. There are other books for stuff like that.
Probably the single most important lesson in this book, and one which has changed my life immensely, is stop borrowing money. Just stop. Do it one day at a time. When I started on my debt repayment plan, I didn't worry so much about paying off my debt as much as not taking on any new debt. If that sounds simplistic, well it is. That's the whole point of this book. It's simple. It's not easy. If you want to heal, stop the bleeding. People who are in the rat race of juggling credit cards are bleeding cash every month. Stop the bleeding first, and then you start to heal.
Another lesson I learned is the monthly spending record. My friends howl when I suggest this. Keep track of every penny, yes every penny, that comes into your life and out of your life. I can say with conviction that that suggestion alone, coupled with not taking on new debt, will make your life so much different, you'll wonder in amazement. The author suggests keeping a weekly spending record and transferring it to a monthly record. I keep just a monthly record. It takes up very little time. It's also very eye opening how much money flows right out the expense column every month. The benefit of this is it allows you to make adjustments and find out where you are bleeding. It's not enough to guess. Until you write down everything, you will never fully understand where your money problems are. You can use a computer spreadsheet or you can do what I do which is write it down on old fashioned paper.
Another lesson this book taught me is that you don't need a credit card. Now there's a revolutionary concept. If you really think about it, how many people in your life including yourself say, "I need a credit card for emergencies." Hogwash! I've had two genuine emergencies in my life where I needed money and needed it fast. Well guess what? I had two choices, I could pay with a credit card or I could pay with cash. I paid with cash. Funny how many people accept cash as a payment these days. If you want to get out of debt, get out of the credit card habit. Use a debit card. I use my Visa debit card for all my amazon.com purchases, and it works beautifully. Same as cash.
One more thing, if you use credit cards and you pay interest every month, do you realize you're making the bank rich? Do you realize you're working for the bank? Whether you like it or not, that's true. Here's another lesson. Look over your credit card balances right now and ask yourself out of all the money you owe, how much stuff do you have to show for it?
Why do I give this book 5 stars? Well, I can divide my life into two time periods. The first time period was everything that happened up until september 14, 1997 which is the day I bought the book, and everything that has happened since then. I have no credit card debt at all since reading that book. I do have a credit card (okay, I cheat) with a $350 limit only to rebuild my credit. I pay it off every month. One word of caution, reading this book can be frustrating at times because you will come to the full realization that your attitude about money is completely wrong and that you are overwhelmed with debt that will take a long time to pay off. Relax. Once you start paying off your debt, it's all downhill. It picks up speed as you go along. I know, I've done it. Thanks Jerrold Mundis for writing this book. I've saved thousands of dollars in interest because of it. Email me with your experiences. I have other books I also recommend.
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am 7. Februar 2000
I really got a tremendous amount of insight from this book. It prompted me to make changes in the way I deal with money and debt that I think will last me for my lifetime. The book is based on a totally no-nonsense approach, and is filled with answers and reasons to combat the rationalizations we used that got us into debt. The book explains how one gets into debt and how to get out of it, without masking or sugar coating the effort involved. It is filled with charts, practical examples, and annecdotes one can apply to one's own situation. Don't be put off by the 12-step overtones -- it's subtle and totally disposable without robbing the book of its usefulness. A life-altering read. I highly recommend it. END
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am 12. Juni 2000
If you are having problems with debt; if you have felt any shame or humiliation over your financial situation; if you keep hoping a miracle will come along and get you out of debt, this book is for you. This has given me more hope than I have ever had about my financial situation. I am a single women and have been going through more pain, torment and embarrasment about my finances than I can ever remember. This will help! Thank you Jerrold Mundis, I can't wait to read your next one.
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am 25. Dezember 1999
Seven years ago I purchased this book. At that time I was in what I considered at the time real financial trouble. I passively read the book twice before taking the time to concentrate on what it was really saying.
Five years after my third reading of the book I was completely debt free and I can tell you that the feeling of relief was incredible.
For those of you who are looking for step-by-step instructions, you won't find it in this book, but with a good head on your shoulders and some determination, you shouldn't need that type of approach. You will generate the method on your own.
As I mentioned before, it has been seven years since I last read this book. I still remember the basic principles but plan to brush up on it again. I was married two years ago, we now have a home, a baby, and several cars. Before I find myself in a familiarly uncomfortable position, I'm going to share this with my wife, and make sure it doesn't happen ever again.
I would suggest this book to anyone willing to work hard to get themselves out of debt.
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I really appreciate the down to earth I've been there and survived approach the author takes to the subject. His experience with D.A. and interpretation of it's concepts to a workable day to day plan is good for not only debt but other major difficulties we all may face on the road of life. I had just read the Richest Man In Babylon and this book adds flesh and blood to the message of getting a plan for financial success. Although I am not financially sound at this time I know how to accomplish it and I am making progress through the methods in this book.
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am 2. Dezember 1999
I expected this book to help plan goals and ideas to get out of debt the best way possible. Instead I found that this book only attempted to provide the right mental state to get you out of debt. Obviously, if I am purchasing books like this I am in the right mental state to get out of debt, but how do I do it. I recommend this book for the person who needs the extra shove to start getting themselves out of debt. However, if you are prepared and just want to know how to do it I wouldn't recommend this book for you!
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am 21. Januar 2000
Not long after I started reading this book, I felt as though a huge weight was being lifted off my shoulders. First of all it helped enormously to read about other people who had the same type of financial problems as I did and then to see that they had actually worked their way out of them by following this program - gave me the encouragement and strength that I needed. It is really all so simple- but "WOW" what a powerful book! I strongly recommend it for anyone.
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am 21. Februar 1998
This book could hopefully deter anyone from considering filing bankruptcy. This book is as straightfoward as anyone can get. However, you actually must do the program and adhere to Jerrold Mundis' rules. Do not debt one day at a time. If you can do this, then you are well on your way to getting yourself out of debt. The best way to tackle this program is to start it on the beginning of any given month so you have a beginning of the month start.
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