Who else wants to be debt free? With our proven formula, we have helped thousands of people just like you to become totally debt free in less than two years! I have spent the last 10 years, reading, attending seminars, about all kinds of debt free information. Some of the information has been vague or left questions in my mind. Richard's book was the exception to the last 10 years that I have spent searching for "real specifics" on get debt free and this book it's was great. Not only did I thoroughly enjoy all the parts but I changed my habits, I strongly recommend The secret formula to be free of debt. Paul Shapter This book was inspiring. I brought The secret formula to be free of debt. The principles are so easy to follow, that make easy to achitive my goal that was be debt free.! Anyone who has any doubts as to the sincerity of what you do, needs to put those doubts aside & open their hearts & mind to the wonderful book. You can visit also http: //www.thesecretformulatobefreeofdebt.com

Money is a spiritual issue. The failure to handle it properly can impede the vitality of our relationship with Christ and others. Reverend James Meeks offers this practical manual to help believers obtain freedom from debt so they can properly love and serve others in need. He exhorts people to get out of debt and encourages them that it's possible. He gives readers a definitive method to get out and stay out of debt. Readers will be encouraged that it's possible, and inspired to achieve it.

Table of Contents Introduction Earning money #1 - Find a job by spending no money. #2 - Find a job by spending money. #3 – Make money by investing Saving and spending money Your Balance Sheet Schedule and goals Schedule and goals Author Bio Publisher Introduction Debt is a word that everyone is afraid of. Nobody likes this word, not even banks. Banks like it when others are in debt to them. Anyway, if you are in debt, it is not the end of the world. It only means that you are in a bad financial position and that is something that you need to change. If we take a look at the debt statistics, over 70% of the students in USA are in debt with average sum of $30.000 per student. Now this is a huge percent and very high sum of money. Part of the students will struggle for a very, very long time to get out of debt and have a life with financial freedom. But some of them will do it much quicker, much easier. Why? Why some students get out of debt faster than others? Why some people are more afraid of debt than others? These are some of the questions that you can expect to find answers to in the next couple of pages. Every single person is different and unique. Every person has different skills, advantages and weaknesses that they develop over time. A lot of people spent years researching, trying to find a formula on how to become financially free that will work on everyone, but they couldn’t find it. Because, I am going to mention it again, everyone is different and unique. This was the main reason why they failed. They thought that only because something worked out for someone, it will work for someone else as-well. Or, only because something did not work out for someone, it will not work out for someone else. Do not expect to find the secret formula on how to get out of debt in this book, because it is not here. It is not out of the book, it does not exist. The only formula that works for you is inside you. This part of the book will help you find out how you can get the best out of yourself and how to create this formula that will help you get out of debt. Getting out of debt will make you much, much stronger. Yes, you will be disappointed while you are in debt and maybe mad at yourself and others, but you will also manage to build a stronger character. Being in debt, and then getting out of it will make you much, much stronger. Your patience will increase, your discipline will improve, you will build endurance and most important of all, you will have more courage. Why? Well, you can say “I had debt, but I won and now I am financially free.” This is something that all-time debt-free people cannot say. There is another part of this topic that is worth mentioning. Almost all of the successful and rich entrepreneurs had debt. Not before they started their business, but while they had it. Most of them started in garages, with some or no money. They borrowed money from friends and family, but they believed in themselves. They had the courage and they knew their advantages and disadvantages, their strengths and their weaknesses. And again, they had patience. They did not become rich overnight, but they knew that they are on the right track and they kept going. This is the main reason why some students get out of debt faster than others, because they know themselves. They are aware of their skills, their weaknesses, their strengths, expertise, and they know their value. These people use the information they have to earn money and afford a better life. Bill Gates said “If you are born poor, it’s not your mistake. But if you die poor, it’s your mistake.” At the beginning of your life, you know nothing about the world nor about yourself. As you grow, you increase your value as person. And that’s all that changes right? You become more educated, you absorb knowledge, you become more experienced in certain area and that’s it. What you do from the moment you are born, till you die is what builds you as a person

The tenth-anniversary edition of the book that changed lives in profound ways, now with a new foreword and afterword. In 2006, a groundbreaking feature-length film revealed the great mystery of the universe—The Secret—and, later that year, Rhonda Byrne followed with a book that became a worldwide bestseller. Fragments of a Great Secret have been found in the oral traditions, in literature, in religions and philosophies throughout the centuries. For the first time, all the pieces of The Secret come together in an incredible revelation that will be life-transforming for all who experience it. In this book, you’ll learn how to use The Secret in every aspect of your life—money, health, relationships, happiness, and in every interaction you have in the world. You’ll begin to understand the hidden, untapped power that’s within you, and this revelation can bring joy to every aspect of your life. The Secret contains wisdom from modern-day teachers—men and women who have used it to achieve health, wealth, and happiness. By applying the knowledge of The Secret, they bring to light compelling stories of eradicating disease, acquiring massive wealth, overcoming obstacles, and achieving what many would regard as impossible.

Financial illiteracy is the #1 economic crisis in the world, impacting more than 5 billion people across the planet. The few who know how money works take advantage of those who do not - the suckers. This book is designed to help you break the cycle of endless debt, foolish spending and financial cluelessness so you can stop being a sucker, start being a student and take control of your financial future.

The New York Times bestseller that gives “readers with an entrepreneurial turn of mind . . . road maps on how millionaires found their niches” (USA Today). The author of the blockbuster bestseller The Millionaire Next Door: The Surprising Secrets of America’s Wealthy shows how self-made millionaires have surmounted shortcomings such as average intelligence by carefully choosing their careers, taking calculated risks, and living balanced lifestyles while maintaining their integrity. Dr. Thomas J. Stanley also builds on his research from The Millionaire Next Door and takes us further into the psyche of the American millionaire. Stanley focuses in on the top one percent of households in America and tells us the motor behind the engine; what makes them tick. His findings on how these families reached such financial success are based on in-depth surveys and interviews with more than thirteen hundred millionaires. “A very good book that deserves to be well read.” —The Wall Street Journal “Worth every cent . . . It’s an inspiration for anyone who has ever been told that he wasn’t smart enough or good enough.” —Associated Press “A high IQ isn’t necessarily an indicator of financial success . . . Stanley tells us that the typical millionaire had an average GPA and frugal spending habits—but good interpersonal skills.” —Entertainment Weekly “Ideas bigger than the next buck.” —Orlando Sentinel