How to Destroy Your Debts

( 1 )


This book sets out to help you clear all your debts (including your mortgage), within a seven year period, allowing you to move on to "The practical Guide to Total Financial Freedom" series.

This book offers you the following:

1. Techniques for planning your household shopping list, and shopping trips. This book lists shopping mall tricks used to coax you to buy products you do not need. Learn these money ...

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This book sets out to help you clear all your debts (including your mortgage), within a seven year period, allowing you to move on to "The practical Guide to Total Financial Freedom" series.

This book offers you the following:

1. Techniques for planning your household shopping list, and shopping trips. This book lists shopping mall tricks used to coax you to buy products you do not need. Learn these money saving avoidance techniques.
2. Practical money saving techniques for cutting back spending around your home, car, holidays, work, entertainment and much more.
3. Credit card and loan management techniques for lowering and destroying your credit card debts and loans.
4. The secrets for reducing your mortgage from a 30/25 year mortgage to a 7 year mortgage.
5. Preventative techniques for dealing with insolvency and bankruptcy.
6. Effectively increase your income to help speed the debt clearance process

and much more.

From the Author
This is the new edition of "The Common Sense Battle Plan To Conquering Debt and Enjoying Financial Freedom". It has been totally restructured to allow for easier reading and understanding. It has also undergone a thorough re-editing and many of the links have been updated.

This is the essential book to acquire first, before reading "The Practical Guide To Total Financial Freedom" series. It contains the technique for clearing your mortgage within the next 7 years amongst many others. If you read and apply this book, you will clear your debts and start living life without the burden of loans, mortgages, or bailiffs.

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Product Details

  • ISBN-13: 9781411623743
  • Publisher:
  • Publication date: 6/28/2005
  • Pages: 188
  • Product dimensions: 6.00 (w) x 9.00 (h) x 0.43 (d)

Table of Contents

Chapter 1
Identify Your Debt
Introduction to debt
If you can measure it you can control it
Chapter 2
Isolate and Transfer
Offsetting higher rate debt with lower rate debt
Use savings to clear debt
Call on your debtors
Transfer debt to low introductory rate credit cards
Equity Release Loan
Getting the loan
The application form and survey
After the loan is given
Other potential lenders
Chapter 3
Downgrading Your Home
Selling your home
Before viewings
Selling part of your home
Selling home to rent
Surveying and researching new home
Downgrading rental property
Changing location
Chapter 4
Money Management in the Home
Delayed gratification
Selling your possessions to reduce your debt
Household shopping
Expensive brands
Buy in bulk and make fewer trips
Coupons, vouchers and special offers
Resist tempting foods
Junk foods
Cigarette and Alcohol abuse
Blind Shopping: shopping without a list
Quick fixes
Packing lunch
Do less around the house
Do more around the house
Children’s pocket money
Going out
The costs of beauty
Transport to work
Buying a computer
Charity Shop
Exchange services
Gym-less exercise
Reducing your vehicle costs
Downgrading your vehicle for cash
The replacement vehicle
Reducing your vehicle running costs
Fuel costs
Maintenance costs
Road tax
Chapter 5
Adding extra income
Doing overtime
Changing jobs
Internal Work
Positional and departmental job changes
External employment
Partner working
Take part-time work
Freelance your skills
How to become a consultant/contractor
Start a business
Home-based business
Network marketing business
Negatives to look out for
Positives to look out for
Seeking and applying for grants
Private grants
Government grants
Accident claims
Lodgers and Tenants
Choosing a lodger or tenant
Avoiding legal squatters
Chapter 6
Mortgage repayment techniques
Repayment mortgage versus non-repayment mortgage
The current account mortgage
Why convert to a current account mortgage?
Managing your current account mortgage
Outgoings and bill payments
Multiple monthly mortgage repayments
Eliminating your mortgage with speed
Using credit card balance transfers
Chapter 7
Handling finance firms and avoiding insolvency
What to ask
Temporarily suspend payment
Reduce monthly payment
Take on more or all of your debt
Two methods to use when asking
Informal Arrangements or "Family Arrangement"
Individual Voluntary Arrangements
Debt Consolidation Agencies
The Loans method
Cons of Finance company debt consolidation
Pros of Finance company debt consolidation
Bill-payment method
Other options for debt consolidation
Credit counselling
The pros of Credit Counselling Services
The cons of Credit Counselling Services
Chapter 8
Bankruptcy - the last resort
What is bankruptcy?
The process
How does it happen?
How you can cause a criminal offence as a bankrupt
The end of bankruptcy
Repeating bankruptcy
Alternatives to bankruptcy
Administration Orders
Chapter 9
Maintaining your determination and enthusiasm
Self-talk and visualisation
Summary and Arsenal of Strategies
Appendix 1
Network Marketing Companies
Appendix 2
Government benefits, services and grants.
Appendix 3
Shopping List Example
Other Works By Samuel Blankson
About The Author
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A Step-by-step guide to:

* Reorganising your debt from credit cards to mortgages
* Cutting spending painlessly
* Adding extra income
* Re-mortgaging or selling your house
* Handling finance firms
* Avoiding insolvency
* Bankruptcy

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Customer Reviews

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  • Anonymous

    Posted March 3, 2008

    A must-read!

    Samuel Blankson¿s How to Destroy Your Debt is a comprehensive guide to personal debt, what causes it and how to get out of it for good. In the tradition of a battle plan for war, Blankson offers valuable tools for identifying where the most critical debts in your life are located, how they came to be, and how to destroy them using low interest introductory rate credit cards, savings, and grants. This guide offers tips for mortgage repayment and the secret to paying off a mortgage in a fraction of the time expected. Blankson expertly injects refreshing bits of humour into his personal experiences with debt to take some of the sting out this often-terrifying subject matter. He offers different options for approach based on an individual¿s current situation for example if ones income is temporarily coming in at a lower level then usual. The guide offers both quick fixes, and more long-term methods for taking care of current debts and avoiding debt in the future. How to Destroy Your Debt offers solutions to the problem of debt from every angle, and an entire section of the book is dedicated to helping the reader increase their income. Blankson explains how this can be accomplished through changing jobs or positions, earning paid overtime and using freelance or consulting work. He also describes the process of obtaining low rate loans and getting the most out of your loan in the fight against debt. The guide is filled with clear examples and charts that help to illustrate the different points of the book, and allows for a total understanding of the material by the reader. The guide offers directions for navigating the intimidating and difficult process of bankruptcy, downgrading expenses including homes and cars, and the ways that these methods can be utilized to regain financial stability. It also offers tips that can be used on a daily basis, including tips for household shopping and setting a budget, packing a lunch rather than buying out and making repairs to clothing. The guide illustrates how numerous small expenses add up to one big debt. As with all of Blankson¿s books, his primary focus is on empowering the reader to take control of their lives and make changes to the areas where they feel they can do better. He utilizes positive self-talk, visualization and a positive mental attitude as an individual¿s secret weapon in destroying their debt forever. He describes how these tactics, used correctly worked for him and how they can work for you as well. I was pleased to find that the guide also offers a staggering 36 pages of resources for government benefits, services and grants that can offer financial aid in countless areas from helping with rent, to maternity leave benefits to a Christmas bonus. This book is a weapon that should be in every independent adult¿s arsenal to fight the good fight against the monster of debt.

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