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Credit cards can be a useful financial tool, but if you start taking on credit card debt, it can take control of your life. Learn why your relationship with credit cards is unhealthy and how you can use credit counseling to take a break from credit so you can find your financial independence and break your bad credit habits. Once you’ve found your power, then you can decide if you want to let credit back into your life.
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Getting into debt is a piece of cake, but getting out? That’s the hard part. Fortunately, award-winning authors Holly Porter Johnson and Greg Johnson offer actionable tips and advice on doing exactly that with their new book, Zero Down Your Debt.

With just a pen and a piece of paper in your arsenal, you’ll learn how to implement a zero-sum budget and become debt-free – once and for all. All you need is the know-how, some willpower, and a positive attitude to transform your financial situation. Let Holly and Greg Johnson show you how.

Get control of your finances – and your future!

Do you feel like you’ll never pay off your student loans? Worried about your mounting credit card debt? Wondering when you’ll ever make enough money to stop living paycheck to paycheck? You’re not alone – millions of young Americans are finding it hard to save for the future and still pay today’s bills on time.

But with The Everything Personal Finance in Your 20s and 30s Book, 3rd Edition, you’ll learn how to be financially independent by:Creating a workable budgetMinimizing credit card and student loan debtInvesting money wiselyBuilding an emergency fund You’ll also learn how the Consumer Financial Protection Bureau can help you navigate the often-confusing world of financial service products. With this easy-to-use guide, you’ll learn how to manage, save, and invest wisely – starting today!

Box have light wear. contains Fincancial Peace Revisited in new condition, Financial Peace University Book (which is in used condition with writing and markings), 13 Life Changing Lessons on Audio CD w/2 Bonus CDs, sealed bonus pack CD, envelope system and 2 Debit Card Holders. Box does NOT include the workbook nor budegeting forms.