Download or read book Life in the Debt Trap written by Mahony, Sorcha and published by Policy Press. This book was released on 2018-05-23 with total page 183 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is life like for families who are stuck in problem debt? Why do they fall into a spiral of debt in the first place, and why is it so hard to escape? The first hand stories in this book offer a unique understanding of life for families and children fighting a daily battle against poverty and debt. They give voice to some of the most underrepresented people in society, who are too often portrayed cruelly in the media and elsewhere. Drawing on research data collected through The Children’s Society’s Debt Trap campaign, this book explores the causes, implications and impacts of problem debt, challenges pejorative public attitudes and encourages more compassionate policy making to help families escape poverty and debt.

Download or read book Beating the College Debt Trap written by Alex Chediak and published by HarperChristian + ORM. This book was released on 2015-12-29 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: A groundbreaking guide to “how you can get the most value for your money . . . If you don’t want to waste a decade languishing in student debt, this is the book” (Zac Bissonnette, New York Times–bestselling author of Debt-Free U). There’s a better way to do college. The radically counter-cultural truth is that students don’t have to be totally dependent on Mom, Dad, or Uncle Sam to get the most out of college. Graduation on a solid financial foundation is possible. But it will require intentionality, creativity, hard work, and a willingness to delay gratification. Alex Chediak gets into the nitty-gritty of how to get work and make money during the college years, pay off any loans quickly, spend less, save more, and stay out of debt for good. He also unpacks how to transition from college into career, honor God while achieving financial independence, and use your finances to make a positive, eternally significant difference in the lives of others. As a young engineering professor with an aptitude for finances and money management, Chediak has become particularly concerned with the financial health of young adults, especially in light of the ever-increasing costs of college. In Beating the College Debt Trap he does something about this problem—addressing the real-world financial issues faced by those in their late teens and early twenties with clarity, practical help, lots of illustrations, and a little humor, while conveying a distinctly Christian perspective.

Download or read book The Debt Trap written by Steven N. Taieb and published by . This book was released on 2003 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Debt Trap is a road map to help you avoid life's potential financial pitfalls. It delves into the historical, social, moral and economic reasons why so many Americans are in debt. It is preventative, not curative, in its approach. It teaches by exploring the mistakes of others in the areas of relationships, desires, spending and saving habits and values. It correlates how the breakdown of traditional values has created a society in which instant gratification, selfishness, and victimization has led to the disintegration of religion, family and love of country, while also destroying financial stability. Chapters include: Home Purchasing Mistakes Choosing the Wrong Partner Improperly Financed Vehicles Individualism and Selfishness Credit Card Debt Basic Budgeting Choices The Victimization Notion Advertising's Influence Instant Gratification Financial Irresponsibility The Breakdown of Traditional Values Gambling Debt Paycheck-to-Paycheck Living Two-income Pitfalls Quick-fix Loans Starting a Small Business Tax Planning Student Loan Debt Character End Notes Suggested Reading Index

Download or read book Life in the Debt Trap written by Mahony, Sorcha and published by Policy Press. This book was released on 2018-05-23 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is life like for families who are stuck in problem debt? Why do they fall into a spiral of debt in the first place, and why is it so hard to escape? The first hand stories in this book offer a unique understanding of life for families and children fighting a daily battle against poverty and debt. They give voice to some of the most underrepresented people in society, who are too often portrayed cruelly in the media and elsewhere. Drawing on research data collected through The Children’s Society’s Debt Trap campaign, this book explores the causes, implications and impacts of problem debt, challenges pejorative public attitudes and encourages more compassionate policy making to help families escape poverty and debt.

Download or read book Debt for Sale written by Brett Williams and published by University of Pennsylvania Press. This book was released on 2011-04-20 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit and debt appear to be natural, permanent facets of Americans' lives, but a debt-based economy and debt-financed lifestyles are actually recent inventions. In 1951 Diners Club issued a plastic card that enabled patrons to pay for their meals at select New York City restaurants at the end of each month. Soon other "charge cards" (as they were then known) offered the convenience for travelers throughout the United States to pay for hotels, food, and entertainment on credit. In the 1970s the advent of computers and the deregulation of banking created an explosion in credit card use—and consumer debt. With gigantic national banks and computer systems that allowed variable interest rates, consumer screening, mass mailings, and methods to discipline slow payers with penalties and fees, middle-class Americans experienced a sea change in their lives. Given the enormous profits from issuing credit, banks and chain stores used aggressive marketing to reach Americans experiencing such crises as divorce or unemployment, to help them make ends meet or to persuade them that they could live beyond their means. After banks exhausted the profits from this group of people, they moved into the market for college credit cards and student loans and then into predatory lending (through check-cashing stores and pawnshops) to the poor. In 2003, Americans owed nearly $8 trillion in consumer debt, amounting to 130 percent of their average disposable income. The role of credit and debt in people's lives is one of the most important social and economic issues of our age. Brett Williams provides a sobering and frank investigation of the credit industry and how it came to dominate the lives of most Americans by propelling the social changes that are enacted when an economy is based on debt. Williams argues that credit and debt act to obscure, reproduce, and exacerbate other inequalities. It is in the best interest of the banks, corporations, and their shareholders to keep consumer debt at high levels. By targeting low-income and young people who would not be eligible for credit in other businesses, these companies are able quickly to gain a stranglehold on the finances of millions. Throughout, Williams provides firsthand accounts of how Americans from all socioeconomic levels use credit. These vignettes complement the history and technical issues of the credit industry, including strategies people use to manage debt, how credit functions in their lives, how they understand their own indebtedness, and the sometimes tragic impact of massive debt on people's lives.

Download or read book The Debt Trap written by Sebastien Canderle and published by Harriman House Limited. This book was released on 2016-09-19 with total page 542 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the inside story of private equity dealmaking. Over the last 40 years, LBO fund managers have demonstrated that they are good at making money for themselves and their investors. But when one looks beneath the surface of the transactions they engineer, it is apparent that these deals can, at times, go spectacularly wrong. Through 14 business stories, all emanating from the noughties' credit bubble and including headline-grabbing names like Caesars, Debenhams, EMI, Hertz, Seat Pagine Gialle and TXU, The Debt Trap shows how, via controversial practices like quick flips, repeat dividend recaps, heavy cost-cutting and asset-stripping, leveraged buyouts changed, for better or for worse, the way private companies are financed and managed today. From technological disruption in the worlds of music recording and business-directory publishing to economic turbulence in the gambling, real estate and energy sectors, highly levered corporations are often incapable of handling market corrections when debt commitments start piling up. Behind the historical events and the financial empires erected by some of the elite private equity specialists, these 14 in-depth case studies examine how value-maximising techniques and a short-cut mentality can impact investment returns and portfolio assets. Whether you are a PE practitioner, investor, business manager, academic or business student, you will find The Debt Trap to be an authoritative and fascinating account.

Download or read book Debt Proof Living written by Mary Hunt and published by Revell. This book was released on 2014-07-29 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: Your fool-proof guide to paying off debt, planning for the future, and breaking free of our debt-loving culture. The consumer credit industry wants us to believe that debt is necessary to bridge the gap between our pitiful incomes and the lifestyles we desire. But the problem is not that we don't have enough money. It's that we don't know how to manage the money we already have. And until we learn that, more money will never be enough. In this life-changing book, Mary Hunt shows you how to live a rich, fulfilling life without any consumer debt. By applying her simple principles and specific methods, you will learn how to effectively manage and maximize the money you have. No more guessing, wondering, or worrying. Just peace and a more abundant life. What have you got to lose?

Download or read book Escape the Debt Trap written by Joseph Odeleye and published by Independently Published. This book was released on 2024-02-22 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many people are currently struggling with debt. The problem is that they can't figure out where to begin, even though they know they want to end it. Nowadays, there is no one right way to pay off debt, and the best program should be tailored to each individual's specific circumstances. This book is perhaps a call to liberation, a clear notice that no matter how trapped you are in money, there is always a way out. As we begin this journey together, these pages will unfold not as a live stream, but as a companion to guide you through important steps, mindset shifts, and challenging strategies. Care must be taken to avoid commitment traps. We recently investigated an evacuation system, and it was important to understand the landscape. We explore different forms of commitment, analyze the neuroscience that often accompanies commitment, and debunk the myths that cause financial chaos. Information is the main key to securing a bond, and each disclosure brings you closer to unlocking your earning potential. The focus of this book is on carefully developing a personal finance escape plan from debt trap. Consider budgeting, debt prioritization, and trading strategies to reduce your burden. You'll have the tools you need to leverage your lender, restructure your payment plan, and ultimately take back control of your budget account. Build a debt-free future. The journey doesn't end at the exit. This means building a debt-free future. We explore ways to transform credit, educate about money, and lay the foundation for long-term success. Economic freedom is far from freedom from obligation. It's about building a strong and capable personality when it comes to money. As you delve into the following chapters, consider this the beginning of a transformational journey. It is a journey that transcends economic constraints and carves out completely unused time. A way out of the trap is possible, and each time you discover one, you're one step closer to cutting your budget. So let's start our journey. Turn the page, understand the information it contains, and take the first step towards liberation. A debt-free future is on hold.

Download or read book Debt Trap written by Romaine Morgan and published by Romaine Morgan . This book was released on 2024-07-06 with total page 139 pages. Available in PDF, EPUB and Kindle. Book excerpt: Attention: Are you tired of living paycheck to paycheck, constantly stressed about debt, and feeling like financial freedom is just out of reach? Interest: 'Debt Trap' by Romaine Morgan offers a comprehensive guide to understanding the true impact of debt on your life. Discover the secrets behind why we overspend, how marketing manipulates us, and why debt is more prevalent than ever before. Desire: Learn practical, actionable strategies to cut down on expenses, pay off credit cards, and start building wealth. This book provides insights into overcoming the consumer mindset and reclaiming control of your financial future. Action: Start your journey to financial independence today. With the tools and knowledge from this book, you can make lasting changes that will transform your life and lead to true financial freedom. Grab your copy now and take the first step toward a debt-free future!

Download or read book How to Get Out of the Debt Trap written by Jason D Page and published by Independently Published. This book was released on 2024-07-08 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Break Free from the Debt Cycle! Are you tired of living paycheck to paycheck, with debt weighing you down like a heavy anchor? Do you dream of financial freedom, but don't know where to start? How to Get Out of the Debt Trap is the answer you've been searching for! This book reveals a proven and effective formula for freeing yourself from debt, once and for all. With this comprehensive guide, you'll learn: How to face your debt head-on and create a personalized plan to tackle it Simple strategies to reduce your expenses and boost your income Effective techniques to negotiate with creditors and settle debts for less Proven methods to repair your credit score and build a strong financial future Don't let debt hold you back any longer! Take the first step towards financial freedom and start living the life you deserve. Get your copy of How to Get Out of the Debt Trap today and start your journey to debt-free living! Order now and take the first step towards a brighter financial future!

Download or read book Debt Free Living written by Kim Domingo Reyes and published by Independently Published. This book was released on 2024-05-28 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Debt Free Living: Escape the Debt Trap and Achieve Financial Independence in the Modern Age by Kim Domingo ReyesAre you tired of living paycheck to paycheck, drowning in debt, and feeling like financial freedom is an impossible dream? In today's digital age, where online temptations and easy credit abound, it's easier than ever to fall into the debt trap. But it doesn't have to be this way. "Debt Free Living" is your comprehensive guide to taking control of your finances, escaping the debt cycle, and building a life of abundance and prosperity. This book will equip you with the knowledge, tools, and strategies you need to: Understand the root causes of debt: Uncover the psychological and behavioral patterns that lead to overspending and financial stress. Create a modern spending plan: Develop a realistic budget that works for your unique lifestyle and goals, using digital tools and resources. Tackle your debts strategically: Learn proven methods for paying off debt faster, such as the digital snowball and avalanche methods. Build a digital emergency fund: Create a financial safety net to protect yourself from unexpected expenses and setbacks. Invest in your future: Discover modern investment options like e-trading, robo-advisors, and online platforms to grow your wealth over time. Cultivate a debt-free mindset: Develop healthy financial habits and a positive relationship with money that will last a lifetime. Whether you're struggling with credit card debt, student loans, or other financial obligations, "Debt Free Living" offers a clear, actionable path to financial freedom. With practical advice, real-world examples, and a focus on the unique challenges and opportunities of the digital age, this book is your essential guide to achieving lasting financial independence.Don't let debt control your life any longer. Take the first step towards a brighter financial future and order your copy of "Debt Free Living" today!

Download or read book Debt Hack Free Yourself from the Debt Trap and Take Your Life Back written by Stanley Fanshaw and published by Debt Hack. This book was released on 2019-03-19 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Have you ever had a phone call from a debt collector? Are you too worried to pick up the phone when the caller's number is blocked? Are letters from banks building up in your letterbox? Are you delaying opening them? Are you too scared to check your credit score?Are you forced to make choices between essentials like rent, heating, food or medical care?Are interest and repayments sucking the joy out of your family life, draining you emotionally? Would you like to have simple things covered, like putting more food on your table or taking a short vacation with your family without worrying?Or would you just like to improve your personal finances?If so, this book is for you. With the systems and principles outlined in this book you will be able to make significant improvements in your life for yourself and your family.This book is about correcting naive misconceptions and viewpoints on debt that have been passed down to us. If you can analyse your situation clearly and learn valuable tips from this book then this is the first step to extracting yourself from the debt trap you're in.

Download or read book Ten Keys to Avoid Debt written by Phyllis Tufts Hightower and published by AuthorHouse. This book was released on 2022-10-26 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to the statistics, millions of people are caught up in the vicious cycle of debt. Debt is the state of owing money, however, there is more to it than that. Debt can permeate every aspect of a debtor's life and can negatively impact his/her overall well-being. It can lead to financial problems such as being unable to save money, missing bill payment, and having to borrow more money just to stay afloat, which in turn lead to anxiety and depression. Having more debt than you can pay can affect your health, relationships and your employment. The book “Ten Keys to Avoid Debt, The Devil’s Evil Borrowing Trap” will help readers break the debt trap cycle, steer clear of getting into debt and live a life that is free of financial worries. This book will help potential readers look for ways to buy homes, start businesses, and go to college without using debt. The book sheds light upon God’s ways of managing money; it also has biblical affirmations which can help readers strengthen their belief and trust Almighty God in their financial matters. The book covers some highly important talking points such as: learning to be content, paying off debt, establishing and sticking to a budget, starting a business, setting limits, breaking family debt curse, striving to live in Gods Kingdom and operating in Gods economy, and stewardship. This book takes Biblical principles and perspective about money into account to help people make wise and God honoring financial decisions. “Ten Keys to Avoid Debt, The Devil’s Evil Borrowing Trap” is a guide to break the vicious cycle of debt and achieve financial freedom.

Download or read book Mary Hunt s Debt proof Living written by Mary Hunt and published by B&H Publishing Group. This book was released on 1999 with total page 399 pages. Available in PDF, EPUB and Kindle. Book excerpt: The author will convince you with warmth and humor that it is possible to live a rich fulfulling life without consumer debt and she'll show you exactly how to do it.

Download or read book Thriving at College written by Alex Chediak and published by Tyndale House Publishers, Inc.. This book was released on 2011-04-01 with total page 366 pages. Available in PDF, EPUB and Kindle. Book excerpt: Going to college can be exciting, anxiety inducing, and expensive! You want your child to get the most out of their college experience—what advice do you give? Thriving at College by Alex Chediak is the perfect gift for a college student or a soon-to-be college student. Filled with wisdom and practical advice from a seasoned college professor and student mentor, Thriving at College covers the ten most common mistakes that college students make—and how to avoid them! Alex leaves no stone unturned—he discusses everything from choosing a major and discerning one’s vocation to balancing academics and fun, from cultivating relationships with peers and professors to helping students figure out what to do with their summers. Most importantly, this book will help students not only keep their faith but build a vibrant faith and become the person God created them to be.

Download or read book Debt Trap Or Debt Free written by Danie Vorster and published by . This book was released on 1998 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Book to help you get out of debt, stay out of debt and improve the quality of your life.

Download or read book Dear Debt written by Melanie Lockert and published by Coventry House Publishing. This book was released on 2016-08-12 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt