Debt-Free Forever: Take Control of Your Money and Your Life
Debt-Free Forever: Take Control of Your Money and Your Life
Tired of getting to the end of the money before you get to the end of the month? Wish you were in control?
If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:
- figure out how much you’ve actually been spending
- calculate how much you owe—and what it’s costing you
- build a budget that works
- maximize your debt repayments so you can be free of consumer debt in 3 years or less
- prepare for a rainy day so it doesn’t mean a major setback
- set goals for your new, debt-free life
Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.
User Ratings and Reviews
5 Stars Debt Reduction the Hard Way–The Budget!!!
As a TV viewer turned reader, I thoroughly enjoyed reading Gail’s book. It showed me how to make percentages of the various categories of expenses and savings thereby allowing me to make a pie chart showing where the money is going. She uses a jar method for weekly expenditures, but you could also use envelopes. I found out my rent expense was within the percentage she allowed. I always thought I was paying way too much for this expense. I use a Vacation Club and Holiday Club. I am far behind in Retirement Savings and I am taking aggressive action; plus saving to pay cash for new/used car, and the emergency fund too. Using cash and using two credit cards by paying balances in full each month with no finance charge and the debit card seem to be working with the budget-a must! Still give to Church & Charity. Thank you Gail. Keep up the Great Work!! I highly recommend this book.
4 Stars Good info but a little disorganized.
I love her TV show and the book had a lot of good info. My only complaint was that the material was a little disorganized. It seems like it jumped around on topics a little. I would still recommend the book. Watch her show for good examples of people in trouble.
4 Stars Nothing New Here
This is a decent book although I would not give a five star “exceptional” rating to it. I like the author’s conversational “tell it like it is” style. This book is clearly written for the oblivious reader who somehow woke from a coma and declared, “I wonder how in debt I am” and is on a mission to find out. That’s okay. There are people like that who must first see the magnitude of the problem before they can take the steps to acknowledging and working their way out. Vaz Oxlade pulls no punches in upfront telling the reader that the way out is not nearly as easy as the way into massive debt was. It’s going to take hard work. I personally would have liked to see more money-saving advice on how to get out because I have figured out the debt that I have to the penny before getting a hold of this book. All in all, however, the book is good for those who need a push to take on the project of becoming debt-free. In this case you CAN judge a book by its cover… it’s a “how to” book on acknowledging, getting out and staying out of debt forever! That is well worth the price of this book. Read the principles, apply them, and you can become and stay out of debt.
5 Stars Read this book even if you are already debt free!
I was so happy to see that Gail has written another book! Her head is on totally straight, her sense of humor is marvelous, and what could be more timely than this topic??
The best part about it is that there are chapters that can help you save more money toward retirement even if you’re already debt free and think you are doing just fine. It’s aimed at people in debt, though, and has marvelous ideas for how to get rid of those credit cards and dig yourself out of debt. She says it’s not easy and of course that’s true, but it’s easier with Gail as your teacher. Some of her ideas are so simple that you can’t help but wonder why you didn’t think of them yourself. But you didn’t. But she did!
I also recommend her TV show, Til Debt Do Us Part.
5 Stars THIS WOMAN HAS CHANGED MY LIFE!!
I love Gail because she is no-nonsense but she is more than just a motivational speaker. She shows you how to get yourself in a position of financial freedom. I’m not much of an investment type so many of the financial gurus don’t work for me. Gail speaks mainly to people in way over their heads and us “common folks” and tells us that it’s not totally hopeless. We’ve paid off $10,000 of credit card debt in 2.5 years…thank you Gail!
Filed under: Personal Finance Book Reviews