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| Money and Debt | |
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| Not All Debt Is Bad Debt | |
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| Why Are You in Debt? | |
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| Good and Bad Debt | |
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| Good Debt | |
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| Bad Debt Blues | |
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| Debts You Want to Keep | |
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| Debts to Get Rid Of | |
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| The First Rule of Holes: Stop Digging! | |
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| Long-Term Goals | |
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| Early Warning Signs of Trouble | |
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| Where Have All the Dollars Gone? | |
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| But I Still Have Room on My Card | |
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| The Balance Transfer Shuffle | |
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| Dog Logic | |
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| Bye-Bye Savings | |
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| What's My Balance? | |
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| End of the Line | |
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| Your Money or Your Life | |
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| Marriage and Money | |
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| Test Yourself | |
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| Take That Paper Bag Off Your Head When You Drive | |
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| The Check Is in the Mail | |
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| Congratulations, You've Been Approved | |
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| Savings? Who Needs Savings? | |
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| I Believe in Santa Claus | |
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| Believing in Scarcity | |
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| Working for Others | |
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| Time for a Plan | |
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| The Overspender | |
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| Changing Your Relationship with Money | |
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| A Frank Talk with Dollar Bill | |
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| Your Money History | |
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| Do as I Say, Not as I Do | |
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| What Were You Taught About Money? | |
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| Money Stories | |
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| Money Makes the World Go 'Round | |
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| Money Beliefs | |
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| Other Sources of Money Beliefs | |
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| A Heart-to-Heart Talk with Money | |
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| Money Affirmations | |
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| Fake It 'Til You Make It | |
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| Creative Visualization | |
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| The Process | |
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| Money Affirmations | |
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| New Beliefs | |
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| Think and Grow Rich | |
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| Money Is a Family Matter | |
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| For Richer, for Poorer | |
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| Who Are You? | |
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| When Worlds Collide | |
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| Kids Are People, Too | |
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| Whistle While You Work | |
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| You Teach Best What You Most Need to Learn | |
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| No Lessons Required | |
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| Teen Time | |
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| The "B" Word | |
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| Budget Is Not a Four-Letter Word | |
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| Keep a Good Record | |
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| Your Plan | |
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| Creating a Budget | |
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| Income | |
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| Fixed Expenses | |
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| Discretionary Expenses | |
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| A Sample Budget | |
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| Budgets and Your Computer | |
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| How and Where to Cut Back | |
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| A Good Attitude | |
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| Food for Less | |
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| Is It Possible to Save Money If You Have Kids? | |
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| It Takes Money to Make Money | |
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| Traveling on a Budget | |
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| The Only Way to Fly | |
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| Traveling Cheaply | |
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| Young, Broke, and in Love | |
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| Pleasure on the Cheap | |
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| Money Can't Buy You Love | |
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| Call Your Creditor and Say "Hi" (The Plan) | |
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| Get Out of Debt, Now | |
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| Commitment | |
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| The Plan | |
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| Calculating the Plan | |
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| Remember Me? | |
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| Keeping Good Records | |
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| Keeping Track of Creditors | |
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| Keep a Tally of Your Payments | |
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| When Cutting Back Is Not Enough | |
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| Refinancing Your Home | |
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| When Refinancing Makes Sense | |
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| "The lowest rates we've seen in years!" | |
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| Risky Business | |
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| Types of Loans | |
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| A New World Order | |
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| Equity Lines of Credit | |
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| Qualifying for a New Loan | |
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| How Much Will This Cost? | |
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| Winning at Refinancing | |
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| Lender or Broker? | |
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| Lock It In | |
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| Final Thoughts | |
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| Taming the Credit Card Goliath | |
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| Credit Quicksand | |
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| Read the Fine Print | |
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| The Worst Trap of All | |
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| There Has to Be a Better Way | |
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| The Balance Transfer Dance | |
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| The Cost of High Interest Rates | |
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| Negotiate Like a Pro | |
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| Introductory Rates Are Best | |
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| Fee, Fi, Foe, Fum | |
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| A Real Grace Period | |
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| When Disputes Arise | |
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| Bankruptcy | |
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| The Smart Way to Use Credit Cards | |
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| Talking to the Lion: Dealing With Creditors | |
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| Dealing with the Original Creditor | |
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| The Payment Plan | |
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| We Can Work It Out | |
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| Pay No Attention to That Man Behind the Curtain | |
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| Empty Threats | |
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| Turn the Tides | |
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| Know Your Rights | |
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| Stopping All Creditor Harassment | |
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| Do Nothing | |
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| Credit Reporting | |
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| Common Errors | |
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| Correcting the Report | |
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| Beware of "Credit-Fixing" Scams | |
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| IRS Folks Are People, Too | |
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| Know Thy Foe | |
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| IRS Employees Are People, Too | |
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| The IRS Is Inefficient | |
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| The First Commandment: Thou Shalt File Thy Taxes | |
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| Filing for an Extension of Time | |
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| Failing to File | |
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| If You Do Not Have Records | |
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| Payment Plans | |
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| The Dreaded 500 Notices | |
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| ACS | |
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| The Taxman Cometh | |
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| Types of Audits | |
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| Preparing for an Audit | |
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| It Is Appealing | |
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| Beat the IRS! | |
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| The Penalty Box | |
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| Ridding Yourself of Liens and Levies | |
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| Lien on Me | |
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| Before the Levy Breaks | |
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| Appealing a Collection Action | |
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| Let's Make a Deal | |
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| The Value of Your Assets | |
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| How Much Can You Afford to Pay? | |
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| Preparing the OIC | |
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| The Bankruptcy Option | |
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| Tax Court | |
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| Handling Business Debts | |
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| Reduce Your Overhead | |
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| Begin with the Right Attitude | |
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| Time for Some New Sources of Income | |
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| Alternate Sources of Income | |
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| Give Yourself a Raise | |
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| Receive Your Receivables | |
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| Business Loans | |
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| Keeping Business Debts and Personal Debts Separate | |
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| Closing Up Shop | |
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| Debtors Anonymous | |
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| Roots | |
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| Alcoholics Anonymous | |
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| Debtors Anonymous | |
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| Does This Sound Familiar? | |
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| How the Program Works | |
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| Is DA Right for You? | |
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| The Meeting | |
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| The Magic Number: 12 | |
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| How to Contact Debtors Anonymous | |
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| A Last Option: Bankruptcy | |
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| Bankruptcy Basics | |
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| It's Not So Bad | |
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| Your Creditors Will Survive | |
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| My Legal Rights Trump Yours | |
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| Is Bankruptcy Right for You? | |
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| Bankruptcy Benefits | |
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| The Dark Side of Bankruptcy | |
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| Types of Bankruptcies | |
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| Chapter 7 | |
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| Chapter 13 | |
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| Chapter 7 Pre-Filing Considerations | |
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| All Debts Are Not Created Equal | |
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| Secured Debts | |
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| Unsecured Debts | |
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| Special Debts | |
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| Can You Keep Your Property? | |
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| Your Bankruptcy Estate | |
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| What Property Is Exempt? | |
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| How Much Is Your Property Really Worth? | |
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| Protecting Your House | |
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| Exempting Your House | |
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| If You Have Too Much Equity | |
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| How a Chapter 7 Case Proceeds | |
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| Relief Is in Sight | |
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| Steps in the Process | |
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| "If it pleases the court ..." | |
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| Getting Your Case Filed | |
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| The First Meeting of Creditors | |
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| The Reality of Reaffirmation | |
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| Understanding Your Paperwork | |
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| Amending Your Paperwork | |
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| The Discharge | |
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| Chapter 13 Bankruptcy | |
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| Chapter 13 Overview | |
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| Dealing With Secured Creditors | |
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| Is Your Home Worth Keeping? | |
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| Taxes and Other Debts | |
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| Protecting Nonexempt Assets | |
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| Other Reasons | |
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| Bad Reasons for Choosing a Chapter 13 | |
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| Pros and Cons to Filing Chapter 13 | |
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| Requirements | |
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| How Things Proceed | |
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| Failure to Complete the Plan | |
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| What Can Go Wrong? | |
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| Problems with the Automatic Stay | |
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| Relief from Stay Motions | |
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| Acting Without Court Permission | |
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| Bankruptcy Case Dismissals | |
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| Denial of Discharge | |
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| Problems After the Discharge | |
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| Attempts to Collect Discharged Debts | |
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| Discrimination | |
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| Debts Not Listed | |
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| Property Not Listed | |
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| Property You Already Owned Prior to Filing | |
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| Property You Recently Inherited or Acquired | |
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| Getting Ahead of the Game | |
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| Getting Credit Again | |
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| A Credit Card Society | |
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| Secured Credit Cards | |
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| Choosing a Secured Card | |
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| Beware of Scams | |
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| A Tiger in Your Tank | |
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| Debit Cards | |
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| Have We Got a Deal for You! | |
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| No Money Down | |
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| Everyone Is Approved! | |
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| Insurance | |
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| Passbook Loans | |
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| A Mortgage? | |
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| How Much House Can You Afford? | |
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| Keeping Costs Down | |
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| Finding Money for a Down Payment | |
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| What the Rich Know That You Don't | |
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| Start Now | |
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| Assets and Liabilities | |
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| Liabilities Are Not Assets | |
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| Types of Assets | |
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| Investing 101 | |
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| Investing Is Not Speculating | |
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| Setting Your Investment Goals | |
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| Taking the Plunge | |
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| The 10 Percent Solution | |
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| Real Estate Investing | |
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| Real Estate and You | |
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| Use Other People's Money to Get Rich | |
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| Why Real Estate Works | |
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| Cash Flow | |
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| Tax Deductions | |
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| Equity Growth | |
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| The Ability to Grow into Even Larger Buildings | |
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| Rent Subsidies | |
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| Getting a Loan | |
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| Getting Started | |
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| Study Real Estate | |
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| Find an Agent | |
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| Research Rates | |
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| A Plan of Action | |
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| Your First Real Estate Investment | |
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| Stocks, Bonds, and Mutual Funds | |
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| Stock Market Basics | |
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| Types of Stocks | |
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| Do Your Homework | |
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| Mutual Funds | |
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| Types of Funds | |
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| A Loaded Question | |
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| Bonds, Treasury Bonds | |
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| Finding a Broker | |
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| A Diversified Portfolio | |
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| Starting Your Own Business | |
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| Is It Right for You? | |
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| What Kind of Business? | |
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| What Do You Love? | |
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| Other Considerations | |
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| Home-Based Businesses | |
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| Honey, Let's Have a Talk | |
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| Financing | |
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| In Praise of Self-Reliance | |
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| Friends, Romans, Countrymen, Lend Me Your Money! | |
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| Life After Debt | |
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| Be Smart with Your Money | |
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| Keep Track of Your Spending | |
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| Staying Out of Debt | |
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| Ten Percent Is All We Ask | |
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| On the Proper Use of Credit | |
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| Help Beyond This Book | |
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| Consumer Credit Counseling Service | |
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| The National Foundation for Consumer Credit Counseling | |
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| And Now, the End (or a New Beginning) Is Near | |
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| Appendixes | |
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| Bankruptcy Petition and Schedules | |
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| Sample Chapter 13 Plan | |
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| Fair Debt Collection Practices Act: Relevant Sections | |
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| Fair Credit Reporting Act: Relevant Sections | |
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| Recommended Resources | |
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| Glossary | |
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| Index | |