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by Liz Pulliam Weston
Deal with Your Debt: The Right Way to Manage Your Bill$ and Pay Off What You Owe
Copyright
Acknowledgments
About the Author
Introduction
Isn't Debt-Free the Way to Be?
Debt Isn't the Enemy
When “Good Debt” Isn't
Which Debts Should You Tackle First?
Why Debt Management Sounds Strange
When Debt Repayment Plans Go Awry
Addressing the Ants as Well as the Grasshoppers
Debt-Free Is the Way to Be—Eventually
Summary
Your Debt Management Plan
Get Intimate with Your Debt
Assess Your Financial Situation
Save or Pay Off Debt First?
Case Studies
Create Your Game Plan
If You're Already Drowning
Summary
Credit Cards
Our Love Affair with Credit
The True Cost of Carrying a Balance
Gotchas for Those Who Pay Their Balances
The Right Way to Pay Off Credit Card Debt
Getting the Right Reward Card
Summary
Mortgages
Myth #1: Real Estate Prices Always Rise
Myth #2: A House Is a Great Investment
Myth #3: Buying Is Always Better Than Renting
Myth #4: Homeownership Comes with Great Tax Breaks
The Right Reasons to Buy
How Much House Should I Buy?
What Kind of Mortgage Should I Get?
How Do I Get a Good Mortgage Deal?
When and How Should I Refinance?
When Should I Prepay a Mortgage?
Summary
Home Equity Borrowing
The Dangers of Home Equity Lending
Home Equity Loans Versus Lines of Credit
Questions to Ask Before You Borrow
Summary
Student Loans
So What's the Good News?
How Much Should I Borrow?
Where Should I Get My Loans?
What if It's Already Too Late?
What About Paying Off My Student Loans with Home Equity Debt—or Credit Cards?
Summary
Auto Loans
How Cars Cost Us
Why It's Bad to Owe More on Your Car Than It's Worth
How Often You Buy Cars Matters, Too
The Proper Role of Cars in Our Spending
Ways to Keep Costs Down
Summary
401(k) and Other Retirement Plan Loans
Types of Plans That Offer Loans
The Real Cost of Retirement Plan Loans
Cracking Your Nest Egg Early
The Hidden Cost of Withdrawals
Summary
Loans You Don't Want to Get—or Give
Three More Loans to Beware
Why You Don't Want to Cosign a Loan
The Right Way to Make a Personal Loan
Summary
Dealing with a Debt Crisis
Dealing with Your Creditors
Dealing with Collection Agencies
What if Your Creditors Won't Budge?
Summary
Putting Your Debt Management Plan into Action
Lower Your Interest Rates
Track Your Spending
Trim Your Expenses
Look for Cash
Review Your Priorities
Stay on Track
Some Final Thoughts
Index
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Some Final Thoughts
Index
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