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How to Be Debt Free: A simple plan for paying off debt: car loans, student loan repayment, credit card debt, mortgages and more. Debt-free living is within ... Finance Books) (Smart Money Blueprint) Kindle Edition

by Avery Breyer (Author) Format: Kindle Edition
4.3 4.3 out of 5 stars 401 ratings
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Have debt? Find out how to spend less on interest and more on the things you want. Take some time for straight talk and proven strategies.

Because you’ve seen all the goofy ideas and fads that don’t work. Now it’s time to get back to basics with a simple, time-tested, step-by-step plan that anyone can follow.

Arm yourself with the truth about getting out of debt.

Knowledge is power and you’re going to get it.


Find out:

• Whether your mortgage is good or bad (the answer may surprise you!)
• About the Power Pay Off Plan (and how Sam saved 20 grand)
• The secrets to successfully get out of debt
• Where to find the money you need for debt free living
• How much money you ought to be putting towards paying off debt
• The truth about debt consolidation (including pitfalls to avoid)
• How to use insurance to protect yourself from the unexpected
• What to do next, once you’ve started on the road to wealth

Your student loans, mortgage, car loans, and credit card balances can all be gone with the straightforward strategies you’ll learn in this book. You don’t have to feel stress, shame, or embarrassment over it for one moment longer. You’re going to take control and change your life for the better.

You’ll also get free access to The Debt Destroyer. This wickedly good tool will create a customized plan for you to pay off debt and ensure that more of your money stays in your pocket.

You don’t have to tackle this alone, and you don’t have to be rich to pull this off. If you want debt help on a budget - with straight talk and no tricks - you’ll find everything you need right here. Debt relief can be yours.

Buy this book today and get started. It’s your turn to get ahead.



(Formerly published as "Your Road to Wealth Starts Here".)
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    Smart Money Blueprint
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    111 pages
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  5. Publication date
    November 15, 2016
  6. File size
    262 KB
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Editorial Reviews

Review

"...well-organized and packed with practical steps that will allow you to move from carrying debt burden to the freedom of being debt free ...one of the best little books that I have read in awhile." Joy Nelson, Amazon Reader

"Clarity and logical reasoning about money - that is what this book will give you. Indispensable! ...Money well spent." A.P. Bill, Amazon Reader

"It starts by outlining common money myths that my husband and I have been disagreeing on for months. Now, I feel empowered!" Catherine B., Amazon Reader

"...provides an actionable roadmap to address debt issues." Bruce Langevin, Amazon Reader

"Well-written and insightful guide to money, budgeting and debt management." Berns, Amazon Reader

"... this book could be life changing for those of us with debt..." G. dos Anjos, Amazon Reader

Product details

  • ASIN ‏ : ‎ B01MTO37EB
  • Publisher ‏ : ‎ Impeccable Publishing (November 15, 2016)
  • Publication date ‏ : ‎ November 15, 2016
  • Language ‏ : ‎ English
  • File size ‏ : ‎ 262 KB
  • Simultaneous device usage ‏ : ‎ Unlimited
  • Text-to-Speech ‏ : ‎ Enabled
  • Screen Reader ‏ : ‎ Supported
  • Enhanced typesetting ‏ : ‎ Enabled
  • X-Ray ‏ : ‎ Enabled
  • Word Wise ‏ : ‎ Enabled
  • Sticky notes ‏ : ‎ On Kindle Scribe
  • Print length ‏ : ‎ 111 pages
  • Customer Reviews:
    4.3 4.3 out of 5 stars 401 ratings

About the author

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Avery Breyer

Avery Breyer

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Avery Breyer is a multiple best-selling author, real estate investor, and freelance writer.

Avery has been seen in/on Woman's World and Essence magazines, The Huffington Post, MSN Money, Nasdaq, GoBanking Rates, and featured as a guest on WOR 710 "The Voice of New York," on The Financial Quarterback, hosted by Josh Jalinski. (Josh was a 5-star Wealth Manager 5 years in a row, named Advisor of the Year, and a member of the Top of the Million Dollar Round Table!).

Avery is passionate about helping people to create the life they want!

Avery believes that real change and success happens when you take action every day. Her books will help you get that with easy techniques that anyone can implement, starting right now. You'll get the motivation, advice, and action plan you need to maximize your chances of success.

When not busy writing, Avery loves to read, mountain bike, and continue her quest for the perfect cup of coffee! ;)

Customer reviews

4.3 out of 5 stars
4.3 out of 5
401 global ratings

Top reviews from the United States

CraftyLady
5.0 out of 5 stars Clear and concise steps to get rid of debt the smart way
Reviewed in the United States on February 23, 2017
Verified Purchase
She lays down the steps you should take very clearly, with no fluff. She supports her points by showing you the calculations and encourages you to do the math for your situation. In her writings, she provides knowledge and tips based on her life experiences, which are kept to the point. It's a great guide and answers some questions that I'd been looking for in other "paying off debt" books, like how to figure out good debt vs. bad debt or which debt is worth paying off first (so you aren't paying more in the long run!). She goes over several scenarios to help you understand her point. Overall, it isn't a long or difficult read.
6 people found this helpful
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Kris G.
4.0 out of 5 stars Pretty good!
Reviewed in the United States on April 25, 2021
Verified Purchase
I appreciate some thoughtful and insightful descriptions of increasing and managing debt and net worth. It would have been nice to have fuller explanations from further research, but very well written! Thanks!
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Hector F.
5.0 out of 5 stars Excellent book to get rid on debts
Reviewed in the United States on June 18, 2023
Verified Purchase
The author depicts the best choice to get rid on our debts and the roadmap to build financial stability. I recommend it 100%
One person found this helpful
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Courtney Kimbrough
3.0 out of 5 stars Book is based on opinions
Reviewed in the United States on March 10, 2024
Verified Purchase
While there is some decent information in the book, it's mostly based on opinions and selective math that only tells one side of the story.

There are a lot of one size fits all "you ought' and "you should".

In my opinion the book lacks in teaching people the one basic premise which is control of your money. For instance it states to only get a 15 year mortgage, forcing the homeowners into larger payments which will be the same month after months regardless of payment amount.

Why not suggest getting the 30 year mortgage and making the 15 year payment to achieve the same result. This allows control if you need to drop your monthly payment down to the 30 year rate without having to contact the bank.

There are several other incidents in which this is the case.

Who is this book for...
Anyone completely lost in their finances or just starting their financial journey. Just remember to be a student and not a follower.

Who should pass it by....
Anyone who has read Dave Ramsey or followed him for more than a month. This book is a shortened version of Dave's principles with a few added components.

In summary, there is a lot of decent information in this book, most of it I agree with. The reasoning and logic behind it is biased and could cause faulty thinking impacting future decisions in an unintended way.

If you read this book look at both sides and don't take what the author says at face value. I guess that statement could be made for any book, but it definitely applies here
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guitarslim69
5.0 out of 5 stars Helpful book from an incredibly wise and intellegent person.
Reviewed in the United States on September 27, 2019
Verified Purchase
I've racked up way too much debt over the years. While there is a lot of information available for free online, what the author does is provide an abundance of concise material that paves the way to becoming debt free. For the very low price of this Kindle book I have gained an amazingly helpful guide that offers me hope to succeed in my plans to pay off all of my debts. Not only that, but the author provides other helpful links and information if you choose to receive it. I sent the author a couple of e-mails and she replied in kind. The author is a terrific teacher who truly cares about her students. If you are in search of helpful information in order to become debt free, then get this book.
4 people found this helpful
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Sarah Lew
4.0 out of 5 stars Fast read with good advice
Reviewed in the United States on April 28, 2017
Verified Purchase
I already knew a lot of this advice, and it's nice to have it reinforced. I also started using the Debt Destroyer. It's a very simple tool. Sometimes that's what works best.
4 people found this helpful
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S Alex
5.0 out of 5 stars Great read
Reviewed in the United States on September 23, 2022
Verified Purchase
Love the details,examples and tips. I learned a lot and even started some of my goals...this is my second book I've read by Avery Breyer and I appreciate her for creating these books for people like me
One person found this helpful
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Cheryl
5.0 out of 5 stars Great for all ages and in any type of financial state
Reviewed in the United States on November 20, 2016
Verified Purchase
If you're looking for a simple and effective way to get your financial life in check, this is for you. Whether you're older or middle-aged or a youngster starting out in the world of credit and financial stability, this will be the book that will get you there. I've definitely had my financial heartaches over the years, and this would've been awesome to have. The guidance on insurance is really a must, especially for the young people. I lost my husband at a very young age and we had no life insurance which put me in position to file bankruptcy. Yes, I made it through and rebuilt my credit, but life sure could've been easier had I taken some steps of stability early on. A great read and easily understood.
8 people found this helpful
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Top reviews from other countries

Amazon Customer
5.0 out of 5 stars Great book
Reviewed in Canada on March 4, 2022
Verified Purchase
Thank you so much for making this book.
I've learned a few great tips and tricks to lower and soon eliminate my debt
Cheers
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Prashant
5.0 out of 5 stars Thank you
Reviewed in India on May 17, 2021
Verified Purchase
Very informative and concise with excellent actionable plans to remove debt from your life.
Actions explained are measurable and calculation to achieve your goals.
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Ginger T
5.0 out of 5 stars Get S.M.A.R.T. with Avery!
Reviewed in Australia on November 23, 2016
Verified Purchase
Your road to wealth starts here dispels the myths around money and debt, cutting across a range of topics that affect us all, including the real cost of going into debt to finance purchasing a home, buying furniture, taking a holiday, buying a car (or leasing a car)! Avery addresses these all-important issues with clear, concise examples that show the math so it’s in black and white for all to see. Avery explains the difference between good debt and bad debt and gives you the criteria you can use to distinguish between the two! Avery makes it clear – credit card debt is rotten and needs to go - and she shows you how! Avery helps you work out whether your mortgage is good or bad debt, and if it is the latter, she helps you transform your mortgage into the good stuff to make sure your mortgage is working for you. Avery shows how, with the right attitude and goals, you can choose the right “pay off plan” to save you tonnes of money! She gives you the 3-step secret recipe for success using S.M.A.R.T. goals and also explains some of the little known facts about debt consolidation, which might come as a surprise because it’s not always as good as it seems at first glance and if you read through to the very end you’ll discover why!
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V Brot
5.0 out of 5 stars Helpful and informative
Reviewed in Canada on November 9, 2018
Verified Purchase
Fantastic book with a lot of good info! Highly recommended
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MizzMont
5.0 out of 5 stars A Very Good, Thoroughly Practical Guide
Reviewed in Australia on November 21, 2016
Verified Purchase
Practical and easy to understand, this book could be life changing for those of us with debt or those who just want to manage their money better, as I do.
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