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Reviewed by Lesley Jones for Readers' Favorite
Experiencing debt not only affects your finances but also your physical and mental health. In today's society, many people find themselves trapped in a cycle of debt, whether it is from divorce, poor money management, an unforeseen medical crisis or addiction. For some, debt can become overwhelming with no idea how to unburden themselves from the financial trap. Finding yourself in debt not only limits your options to improve your quality of life but also puts a stop to any long time goals you may have such as purchasing your own home, travelling or starting your own business. Getting Out Of Debt: Money Management by Michael Steven will show you how to pull yourself out of debt, even if you are presently struggling to meet your monthly repayments, without compromising your quality of life. Using his own personal experience with debt, Michael not only shares the strategies he used to free himself of debt but guides you through the maze of budgeting, negotiating with your creditors and where to invest your money in the future.
Getting Out Of Debt: Money Management by Michael Steven is simply filled with easy to follow techniques and really brings light to the end of the tunnel for many who find themselves trapped in the cycle of debt. What places this guide apart from any other I have read is Michael tackles the psychological reasons why people overspend and this is going to help the reader greatly, not only to stop them returning to spending but also help them increase their savings and wealth by investing their money correctly. He totally dispels the myths around debt and will transform the reader's relationship with their finances. I loved the sections on the reasons people fall into debt and how to break the debt cycle. He uses some powerful analogies throughout and my particular favourite was the Snowball and Avalanche strategies. I thought the addition of a summary of the main points at the end of each chapter was a great idea too. This well-researched guide will absolutely transform your view of money, spending and accumulation of wealth.