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    Get Out of Debt! Book Three: Improving Your Quality of Life
    Get Out of Debt! Book Three: Improving Your Quality of Life
    Get Out of Debt! Book Three: Improving Your Quality of Life
    Ebook52 pages39 minutes

    Get Out of Debt! Book Three: Improving Your Quality of Life

    By David Rye and Marcia Rye

    ()

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    About this ebook

    As tens of millions of people have discovered, debt can be a crushing burden. It can tear down dreams and destroy lives. But debt can be avoided. With fiscal discipline and a clear plan, anyone can get out of debt and live debt-free.
    In the easy-to-read, accessible style of the Get Out of Debt! series, authors David and Marcia Rye explain how to:
    • Assess debt problems
    • Use home equity to get rid of debt
    • Cut college expenses
    • Live within a budget
    • Understand bankruptcy law
    • Stay out of debt

    No one has to live in the shadow of financial insecurity any longer. When the economy takes a turn for the worse, it's essential to get out of debt. With this series at your side, you’ll conquer debt and secure the financial future you deserve!

    Be sure to get all four books in the Get Out of Debt! series.
    LanguageEnglish
    PublisherSimon & Schuster
    Release dateOct 15, 2011
    ISBN9781440535888
    Get Out of Debt! Book Three: Improving Your Quality of Life
    Author

    David Rye

    An Adams Media author.

    Read more from David Rye

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      Book preview

      Get Out of Debt! Book Three - David Rye

      Get Out of Debt!

      Book Three: Improving Your Quality of Life

      DAVID AND MARCIA RYE

      9781598699944_0002_002

      A division of F+W Media, Inc.

      INTRODUCTION

      Do you ever wake up at night worried about the financial setbacks and conflicts that you’re having with your creditors? Do you become aggravated over the fact that you never seem to have enough money to live on? What are you going to do to control the confrontations that erupt when you address the subject with family members? What steps can you take to eliminate the financial mess that you are in?

      Unfortunately, tens of millions of Americans are in your shoes. Like you, they are headed for financial disaster if they don’t figure out a way to get out of debt.

      This third installment of Get Out of Debt! has been written to answer your questions. As you read the material in this book, you will quickly learn how to assess the magnitude of your debt problems so that you can determine where you’ve been, how you got there, and, more important, where you want to go. When you plunge into these questions about how to avoid debt traps and how to create a realistic spending plan that works for you, you will discover the answers you’ve been looking for. You’ll find out how you can dramatically improve the overall quality of your life once you eliminate your debt load.

      The Get Out of Debt! series contains all of the elements you need to consider to get out of debt and improve your financial well-being. Each installment includes a set of questions that builds on what you learned from the previous one. Based upon your own situation, select the installment and questions that cover the subjects that are most important to you. That will allow you to maneuver through your personal debt-related issues and make the right decisions to avoid economic catastrophe. All four installments of Get Out of Debt! are filled with real-world examples and supplemented with detailed here’s why it works illustrations.

      The sooner you start mounting an assault on your personal debt, the sooner you will see your debt numbers heading down rather than up. When that happens, you will feel great!

      Chapter 1

      ACQUIRING A CAR

      Next to your home, a car is one of the most expensive purchases you’ll ever make. And, unlike your home, a car typically does not appreciate in value. Before you set out to buy a car, decide what kind of vehicle you will need, what options you must have, and what payments you can afford. How will you use the vehicle? Does the purchase of a new car fit into your budget and financial plan at this time? Should you consider buying a used car? Maybe you should lease one? These are just some of the questions addressed in this chapter.

      #1. What questions should I ask before I get a car?

      There are several questions to ask yourself and anybody else in your family who will be driving the car:

      What kind of transportation do you need? If you travel a lot, you’ll probably want a large interior and a smooth-riding car.

      Will the car be used primarily for commuting to work? Will it be sitting

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