In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom.
Inside Dear Debt you will learn to:
• Find the debt repayment strategy most effective for your needs
• Avoid spending temptations by knowing your triggers
• Replace expensive habits with cheaper alternatives
• Become a frugal friend without being rude
• Start a side hustle to boost your current income
• Negotiate your salary to maximize value
• Develop a financial plan for life after debt
|Publisher:||Coventry House Publishing|
|Product dimensions:||5.24(w) x 7.99(h) x 0.36(d)|
About the Author
In 2015, Melanie (and her journey out of debt) was named one of the top five most inspiring personal finance stories of the year by Yahoo! Finance. She currently works as a freelance writer and event planner. Melanie and her work have appeared in Business Insider, The Huffington Post, Yahoo! Finance, INC, and more.
Originally from the Los Angeles area, Melanie moved to New York City to attend New York University. She holds a Bachelor of Arts in Theater and a Master of Arts in Performance Studies. After stints in New York City and Portland, Oregon, she returned to Los Angeles, where she currently resides.
Most Helpful Customer Reviews
Reviewed by Danita Dyess for Readers' Favorite "You're a selfish lover. You always come first and have no interest in my needs." No, that isn't a line from a romance novel, but an insightful quote from a letter found in Dear Debt: A Story About Breaking Up With Debt by Melanie Lockert, a graduate student who struggled with $81,000 of student loan debt. From New York City to Portland, OR, Lockert dealt with the harsh realities of underemployment and food stamps. Her journey resulted in learning practical tips like understanding spending triggers, choosing a strategy to address debt (avalanche versus snowball method), overcoming debt fatigue, prioritizing her health and even negotiating her salary. Through questioning your cultural and personal beliefs about money, referring to resources like Student Loan Hero or SoFi, and using Ebates and Groupon to pay less for items, you will change your mindset and implement a strategy to eliminate any kind of debt. As someone who has read numerous financial planning and debt reduction books, I loved Dear Debt. The cover of a broken heart and key was apt for this page turner. It was comparatively short at just 166 pages. But it was written in a personal but authoritative style that was well researched. The format included a chapter devoted to every aspect of debt management, worksheets and letters that once appeared on her award-winning blog. Lockert is the blogger for Dear Debt, a blog selected by Yahoo! Finance as one of the top five personal finance stories in 2015. Dear Debt is highly recommended.