Back to the Black: How to become debt-free and stay that way: 1 (Telling Experience) - Softcover

'Back to the Black' is written from the heart by a man who has been there. If you think you're the only person who's struggling to cope with debt, he'll show you that you're not and help you find ways to put your problems behind you. But only if you want to, of course. Getting out of debt is not easy. It will take self-discipline and sacrifice. If you're ready for that challenge then read on - and I wish you the greatest success.- Simon Read, Personal Finance Editor of The Independent newspaper

'Back to the Black - How to become debt-free and stay that way', is for those worried about debt and wanting to know how to manage the situation. By viewing the problem as a coach or a counsellor would, you'll learn strategies for handling stress and formulating a plan. You'll find out how to fix a repayment schedule that'll shorten the time until you are debt-free; and discover some simple ways to track your spending while still enjoying life. After reading this book you will feel more confident of your ability to handle your debt situation...and you'll have a plan for doing so. You'll soon discover how to evaluate your current circumstances; how to set realistic goals for reducing your debt; how to develop a list of options; and how to calculate your discretionary income. This book also provides a comprehensive 'Resources' section, that outlines what further support is available to help ensure that a debt-free life is maintained after reading 'Back to the Black'.