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An important part of your program are the educational materials designed to help you get out of debt, to remain out of debt and to enjoy a financially healthy future. The following materials are available to you at no charge. Please take advantage of these offerings.

Invest In Your Debt® Textbook and Workbook

This course provides guidance on reclaiming the money currently going out your door to make debt payments and putting it to better use: for you! The average family following this program can, by investing in their debt, pay off all of their consumer debt in just one to three years, their mortgage in another four to five years, and save over $100,000 in interest along the way. A must for anyone wanting to achieve true financial freedom. This is available as a download.


Spend Smart® Textbook and Workbook

These spend Smart® materials will help you find the “extra” money needed to get ahead. Whether you make $12,000 or $120,000, you can improve your financial situation without getting a raise. $pend $mart® is the answer! This is available as a download.


Part One, Invest in Your Debt…The Basics

Part One, Invest in Your Debt…The Basics, is the first in a series of Educational Materials designed to help people participating in a debt settlement program rid themselves of burdensome debt. This text will introduce you to the basic philosophy of Invest in Your Debt, along with some specific aspects of the program that you can apply to your current situation.


Part Two, Invest in Your Debt…Spend Smart

Part Two, Invest in Your Debt…Spend Smart is the second in a series of Educational Materials designed to help people participating in a debt settlement program rid themselves of burdensome debt. This text will introduce you to ideas on reducing your monthly spending; to coming up with “extra money” in your budget, without diminishing your current lifestyle.


Part Three, Understanding the Trap

Part Three, Understanding the Trap, is the third in a series of Educational Materials designed to help people participating in a debt settlement program rid themselves of burdensome debt. This text will help prevent you from falling into the most common financial trap ever to have sprung upon an unsuspecting victim – the credit card – by helping you to understand why you do what you do, and how to change what you do. So here we go with Credit Cards and The Psychology of Buying.


Part Four, Spend Smart Basics

Part Four, Spend Smart Basics is the fourth in a series of Educational Materials designed to help people participating in a debt settlement program rid themselves of burdensome debt. This text will introduce you to the basic philosophy of Spend Smart, along with some specific aspects of the program that you can apply to your current situation.


Insurance Purchasing Tips Handbook

Compare the prices and coverage of different insurance policies that meet your specific needs. Learn how much coverage will provide financial security for your loved ones when you’re gone. Does that unpaid bill from a department store purchase a couple of months ago affect how much you pay for insurance? Yes it does – and it may even affect whether you can get insurance at all, at least from some companies. This is available as a download.


Checkbook Basics Handbook

The first place many people start to get into financial trouble is through their checkbook. Although checks can run the color and design gamut from basic blue with formal script to hot pink with Disney cartoon images, the “how-to’s” of maintaining a checking account are universal. Here are some basic steps to help you keep an error-free register. This is available as a download.


Budgeting (Personal Finance) Handbook

Planning your financial future requires that you start building a secure foundation under your financial house today. However, many individuals begin planning and investing for their future before they have a clear idea of their present situation. One of the best ways to begin building for the future is to create a monthly budget. Your monthly budget is the first step in designing your overall investment strategy. This is available as a download.


Tips for Young Adults Handbook

There are easy ways for young adults to manage their money. Spending and saving wisely now will help you with bigger purchases later, such as a new car or continued education. Advertisements and magazines are filled with temptations to spend all you have at once. Stop and think about how much you can afford to spend now and how much you want to spend later. This is available as a download.


Divorce & Credit Handbook

If you’re divorced or separated (or are thinking about it), your next moves have to be smart. Here are some suggestions that can help you make the right credit-related decisions for your unique situation. Whether you’re starting out on your own and need to establish credit, moving to or buying a new home, or even if you are now the primary bill payer, it’s critical for you to be familiar with the information on your credit report. This is available as a download.


Money Management for Newlyweds Handbook

With the increasing number of couples getting married, this is an excellent time to review the financial aspects of a new marriage. While most soon-to-be newlyweds are concentrating on the wedding night, it is not uncommon to find that most couples have not discussed the financial stuff. There are simple steps every newly married couple can use to build a successful financial future. This is available as a download.


Money Smart Kids Handbook

The spending habits of kids are being watched by some of the world’s largest corporations. Why is this so? Two reasons exist for this intense interest. First, the kids of today will be the consumers of tomorrow. Secondly, this group of the population has the largest amount of disposable income. As the economy continues its strong growth rate and incomes continue to rise parents are giving their children more money to spend. This is available as a download.


Tips for the Elderly Handbook

Spending patterns of older households differ not only by income, but according to work status. Older workers allocate more to retirement, pension, and Social Security funds, while the nonworking elderly spend more on food prepared at home and health care. Do you have enough retirement income and savings to provide for your needs? Should steps be taken to help stretch your assets over your life expectancies? What if you eventually need nursing home care? Getting familiar with important information now will be much easier than trying to find this information if you become physically or mentally impaired. This is available as a download.

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