Tired of getting to the end of the money before you get to the end of the month? Wish you were in control?

If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:

• figure out how much you’ve actually been spending
• calculate how much you owe-and what it’s costing you
• build a budget that works
• maximize your debt repayments so you can be free of consumer debt in 3 years or less
• prepare for a rainy day so it doesn’t mean a major setback
• set goals for your new, debt-free life

Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.

Tired of Getting to the End of the Money before You Get to the End of the Month? Wish You Were in Control?

If you’re afraid to open your bills, if you’ve never added up how much you owe, if you can’t even imagine being debt-free, it’s time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what’s really important. Debt-Free Forever is Gail’s step-by-step guide, and she’ll show you how to:

• figure out how much you’ve actually been spending
• calculate how much you owe-and what it’s costing you
• build a budget that works
• maximize your debt repayments so you can be consumer debt-free in 3 years or less
• prepare for a rainy day so it doesn’t mean a major setback
• set goals for your new, debt-free life

Make no mistake: Getting out of debt isn’t easy. But in Debt-Free Forever, Gail gives you a clear strategy and the steps needed to implement it. So if you’re finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail’s plan, and start becoming debt-free forever.

In Debt-Free Forever, Gail Vaz-Oxlade takes the mystery out of money. Gail’s life mission is to make money management something everyone can do-and she won’t take no for an answer. Her tough-love approach makes Debt-Free Forever a wake-up call that empowers readers to break free of past debt and plan for the future. In Gail’s words, “Money isn’t rocket science-it’s discipline.” Her rules are simple: you can’t spend money you don’t have, you must save something, and if you’re in debt, you must get the albatross off your back. Since following the rules isn’t always easy, Debt-Free Forever provides a detailed road map to getting out of the red in 36 months or less. Guided by Gail’s advice and inspired by her unflagging faith in their ability to take control, readers will be well on their way to a debt-free life.