| Credit Card & Debt Management: A Step-By-Step How-To Guide for Organizing Debt & Saving Money on Interest Payments | 
 enlarge | Author: Scott Bilker
Publisher: Press One Pub.
Category: Book
List Price: $19.95
Buy Used: $0.76
You Save: $19.19 (96%)
New (12) Used (24) from $0.76
Avg. Customer Rating:  10 reviews
Sales Rank: 650954
Media: Paperback
Number Of Items: 1
Pages: 140
Shipping Weight (lbs): 0.8
Dimensions (in): 10.8 x 8.3 x 0.3
ISBN: 0964840197
Dewey Decimal Number: 332.02402
EAN: 9780964840195
ASIN: 0964840197
Publication Date: February 1996
Availability: Usually ships in 1-2 business days
Condition: Creased Cover Buy from the best: 4,000,000 items shipped to delighted customers. We have 1,000,000 unique items ready to ship today!
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Product Description
Which credit card is REALLY offering the best deal? How do you refinance debt using existing credit cards? Why is it sometimes better to use credit cards instead of a home equity loan? How long will it take to pay back ALL your debt? The answers to these and many more questions are contained in this powerful guide to consumer credit management. Using numerous real-life examples the reader is shown how to lower monthly payments, save money on finance charges and reduce the interest rates of loans. By applying these valuable strategies, it is possible to save thousands of dollars!
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| Customer Reviews: Read 5 more reviews...
 A worthwhile book October 6, 2006
2 out of 2 found this review helpful
This is the second book I've read on debt management. Each had different areas of focus. Scott's here is debt portfolio management and the fundamentals of how loans work. He wants you to develop good financial habits and know exactly what's coming in and where it's going out, and he wants you to understand how interest rates add up, so you can cut through all the offers and pick the deal that's best for you. Consequently, there are worksheets to help you analyze your current position, and there's a lot of drilling on real-life examples of loans and what their true costs are. He gives you tables in the back of the book that make analysis fairly easy, but if you can handle a spreadsheet program that's a better way to go.
My view is that it only takes one good tip from a book like this to make it worthwhile reading. Mine was the bit about taking a longer lower-rate loan and then paying it off using higher installments, providing there are no prepayment penalties. In doing this you'll save a lot over a shorter-term higher-rate loan. The book also encouraged me to learn more about the financial functions in OpenOffice.
The book doesn't go much into credit repair, per se. Not much about how to deal with credit companies, details on how to clean up your credit reports, etc. That's why I think several books are the best way to get sharp on this stuff. But if you're in the credit ICU, this is not the first book you should read; perhaps the second.
Taking control of credit is no less than a survival skill in our economy. Even if one is not in crisis he should read books such as these occasionally. And if one is in crisis they can be a lifesaver.
 Save your Money!! March 4, 2004
15 out of 17 found this review helpful
The book itself is not bad, information is good, somewhat dated in parts, but good. The problem is, nothing new is in the book. All of the information can be found at one of several websites like quicken.com, or bankrate.com, etc. Most of the information is pretty common sense. If you have to get the book or don't want to look on the internet for the information, then at least go to the library and check it out and save your money.
 Awesome tools for financial self sufficiency! October 7, 2002
13 out of 13 found this review helpful
Scott Bilker is a financial expert that turns the tables around to save money with credit. It is hands down advice on taking a radical approach as a consumer that is in charge of your money, not credit in charge of your money. Scott's book goes beyond traditional ideas in fianance and offers functional finance ideas that will move you ahead in your goal to be financially independent. It is a step in the right direction no matter where you are in your budgeting skills. Scott Bilker also provides an exciting free DebtFree email newsletter that is full of information that is understandable and realistic in pracitically to obtain fianancial freedom! Thank you Scott!
Excellent Financial Teacher October 4, 2002
10 out of 11 found this review helpful
What a refreshing,knowledgeable and easy to understand book. Many others have failed to teach us about debt and credit card management in a language we could relate to. This book not only teaches but guides you along the way. Intimidation of debt management and saving money is not a factor anymore, thanks to the author. It opened my eyes to many things I didn't know, or should already have knowledge of but could never understand. This book has encouraged me to take charge of my financial management and I now subscribe to the Debtsmart Newsletter, to keep the educational process going. I enjoyed the book tremendously and highly recommend it.
The best debt management tool on the market! June 2, 2002
13 out of 14 found this review helpful
"Credit Card and Debt Management" is without a doubt the TOP OF THE LINE in its class. After having read through several debt management books, this one assisted me the most in debt reduction and managing personal finances. It's clear, concise and practical, with real world examples to learn from. As a member of the U.S. military who has had to relocate every few years, the use of credit cards has been essential in maintaining an enjoyable quality of life. This book has greatly assisted in balancing it all. Investing in "Credit Card and Debt Management" is money well spent!
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