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Deal with Your Debt Free Yourself from What You Owe

ISBN-10: 0133249263
ISBN-13: 9780133249262
Edition: 2013 (Revised)
Authors: Liz Weston
List price: $24.99
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Description: Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder  More...

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Book details

List price: $24.99
Copyright year: 2013
Publisher: FT Press
Publication date: 2/22/2013
Binding: Paperback
Pages: 288
Size: 6.00" wide x 8.75" long x 0.75" tall
Weight: 0.638
Language: English

Struggling with debt? Get realistic help that's actually useful, from Liz Weston, one of the most popular and respected personal finance experts! Today, people struggling with debt have far fewer options: lenders are stingier, which makes it harder to avert disaster, or to recover from setbacks like foreclosure, short sales, or bankruptcy. (Meanwhile, people with good credit have more options than ever, including some of the lowest interest rates in decades.) You need an up-to-date guide that can help you assess options, find help, discover opportunities, and take action that works. Liz Weston'sDeal with Your Debt, Updated and Revised Editionis that guide. Weston reveals why most "conventional wisdom" about debt is just dead wrong. For most people, it's simply impractical to pay off every dime of debt, and live forever debt free. In fact, doing that can leave you a lot poorer in the long run. You're more likely to give up, or pay off the wrong debts. You could leave yourself too little flexibility to survive a financial crisis. You could neglect saving for retirement. You might even wind up in bankruptcy -- just what you're trying to avoid! For most people, it's smarter to control and manage debt effectively. In this extensively updated guide, Weston shows how to do that. You'll learn which debts can actually help build wealth over time, and which are simply toxic. You'll find up-to-date, real-world strategies for assessing and paying off debt, money-saving insights on which debts to tackle first, and crucial information about everything from debt consolidation loans to credit scores and credit counseling. Weston offers practical guidelines for assessing how much debt is safe -- and compassionate, realistic guidance if you've gone beyond the safety zone. If you've ever worried about debt, you'll find the new edition ofDeal with Your Debtabsolutely indispensable.

Introduction
Isn't Debt-Free the Way to Be?
Debt Isn't the Enemy
When "Good Debt" Isn't
Which Debts Should You Tackle First?
Why Debt Management Sounds Strange
When Debt Repayment Plans Go Awry
Addressing the Ants as Well as the Grasshoppers
Debt-Free Is the Way to Be-Eventually
Summary
Your Debt Management Plan
Get Intimate with Your Debt
Which Debts Are Deductible?
Am I Paying the Right Rate?
Assess Your Financial Situation
Retirement Savings
Financial Flexibility
Save or Pay Off Debt First?
Case Studies
Create Your Game Plan
Should You Pay Off Your Debt with More Debt?
Debt "Solutions" to Avoid
If You're Already Drowning
Find the Cash
Evaluate Your Options
Choose Your Path and Take Action
Summary
Credit Cards
Our Love Affair with Credit
The True Cost of Carrying a Balance
Floors But No Ceilings
Overnight Rate Changes
Fees and More Fees
Balance-Transfer Roulette
Gotchas for Those Who Pay Their Balances
The Right Way to Pay Off Credit Card Debt
Getting the Right Reward Card
Summary
Credit Limits
Shopping Tips
Mortgages
It's a Good (or Lousy) Time to Buy a Home
A House Is a Great Investment
Buying Is Always Better Than Renting
Homeownership Comes with Great Tax Breaks
The Right Reasons to Buy
How Much House Should I Buy?
What Kind of Mortgage Should I Get?
How Do I Get a Good Mortgage Deal?
Fix Your Credit
Understand Points and Fees
Shop Around for Rates and Terms
Check out First-Time Homebuyers' Programs
Get Preapproved for a Loan
Don't Pay Junk Fees
Plan for Closing Costs
When and How Should I Refinance?
When Should I Prepay a Mortgage?
Summary
Credit Limits
Shopping Tips
Home Equity Borrowing
The Dangers of Home Equity Lending
Home Equity Loans Versus Lines of Credit
Questions to Ask Before You Borrow
Summary
Credit Limits
Shopping Tips
Student Loans
So What's the Good News?
How Much Should I Borrow?
Where Should I Get My Loans?
What If It's Already Too Late?
What About Paying Off My Student Loans with Home Equity Debt-or Credit Cards?
Summary
Credit Limits
Shopping Tips
Auto Loans
How Cars Cost Us
Why It's Bad to Owe More on Your Car Than It's Worth
How Often You Buy Cars Matters, Too
The Proper Role of Cars in Our Spending
Ways to Keep Costs Down
Summary
Credit Limits
Shopping Tips
401(k) and Other Retirement Plan Loans
Types of Plans That Offer Loans
The Real Cost of Retirement Plan Loans
Cracking Your Nest Egg Early
The Hidden Cost of Withdrawals
Summary
Credit Limits
Shopping Tips
Loans Yon Don't Want to Get-or Give
Three More Loans to Beware Of
Why You Don't Want to Cosign a Loan
The Right Way to Make a Personal Loan
Summary
Credit Limits
Shopping Tips
Dealing with a Debt Crisis
Dealing with Your Creditors
Dealing with Collection Agencies
What If Your Creditors Won't Budge?
Summary
Putting Your Debt Management Plan into Action
Lower Your Interest Rates
Track Your Spending
Trim Your Expenses
Look for Cash
Sell Your Surplus Stuff Online
Review Your Priorities
Stay on Track
Some Final Thoughts
Index

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