I'm in Debt, Over 40, with No Retirement Savings. HELP!

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Summary: If I knew this at 20 I'd be retired now at 49.
Review: I've never finished a novel but have always been interested in finance and technical articles. When I purchased this book to read I never thought I would finish it but bam I'm done! This book was so easy to read and follow and just full of common sense tips about how to keep your butt out of debt. Whew! Get this book for you and your kids! It's never too late to start living right and being able to sleep at night knowing that what you have is yours and nobody can take it away from you. Now that's what I call the American DREAM! This would make a great Christmas stocking stuffer that they will keep their pockets full of Christmas cheer the whole year through!

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Summary: Inspiring and Enlightening
Review: The moment I started reading this book I could not put it down! It was a very easy and entertaining read. What I found inspiring and enlightening was the personal desire to improve ones financial well-being, and the lessons that were learned when it was realized.

Initially spending habits remained pretty much the same, except with one troubling exception. Instead of running out of pocket cash and with it the ability to buy anything, now your improved financial income earned you the privilege to buy with credit and your buying power was only limited by the card's credit limit! The more you bought on credit and paid each month, the more your credit limit increased, along with your credit rating, which attracted other credit card institutions to give you their pre-approved credit card which added to your overall credit limit. Can you see where this is going?

But this book has a happy ending.

The book begins to take you through the simple and everyday things that you either ignore or take for granted. Just by applying a few easy money saving and earning techniques, you can accumulate a significant amount of money over time. We're not talking about a get rich quick scheme, rather a disciplined approach to spending with tips that can save you hundreds to thousands of dollars when you have to part with your hard earned dollars.

This book speaks in simple and clear terms. No dictionary or financial consultants are needed to understand and use its straightfoward tips. Buy this book today and it will pay for itself on your next trip to the grocery store!

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Summary: Written by a real life survivor who climbed out of debt
Review: Written by a real life survivor who climbed out of debt to credit card companies to re-establish positive net worth, John L. White's I'm In Debt, Over 40, With No Retirement Savings. Help! is a very practical survival guide to improving an otherwise bleak financial situation. From breaking bad spending habits; to keeping expensive teenagers in check; to saving money on the family car; to buying an affordable mortgage; developing a mind set conducive to savings; and so much more, I'm In Debt, Over 40, With No Retirement Savings. Help! is an easy-to-understand, "must-read", for anyone approaching middle age or older who finds themselves ill prepared for a financially comfortable retirement.