Credit Card and Debt Management: A Step-By-Step How-To-Guide for Organizing Debts and Saving Money on Interest Payments

Scott Bilker is a financial expert that turns the tables around to save money with credit. It is hands down advice on taking a radical approach as a consumer that is in charge of your money, not credit in charge of your money. Scott's book goes beyond traditional ideas in fianance and offers functional finance ideas that will move you ahead in your goal to be financially independent. It is a step in the right direction no matter where you are in your budgeting skills. Scott Bilker also provides an exciting free DebtFree email newsletter that is full of information that is understandable and realistic in pracitically to obtain fianancial freedom! Thank you Scott!

What a refreshing,knowledgeable and easy to understand book. Many others have failed to teach us about debt and credit card management in a language we could relate to. This book not only teaches but guides you along the way. Intimidation of debt management and saving money is not a factor anymore, thanks to the author. It opened my eyes to many things I didn't know, or should already have knowledge of but could never understand. This book has encouraged me to take charge of my financial management and I now subscribe to the Debtsmart Newsletter, to keep the educational process going. I enjoyed the book tremendously and highly recommend it.

"Credit Card and Debt Management" is without a doubt the TOP OF THE LINE in its class. After having read through several debt management books, this one assisted me the most in debt reduction and managing personal finances. It's clear, concise and practical, with real world examples to learn from. As a member of the U.S. military who has had to relocate every few years, the use of credit cards has been essential in maintaining an enjoyable quality of life. This book has greatly assisted in balancing it all. Investing in "Credit Card and Debt Management" is money well spent!

This book is excellent! It tells you the ins and outs of how credit cards work and how to use them to your advantage. It explains how to use them wisely and dispells many of the myths that so many people still believe about credit. It gives you in very simple terms the ability to compare different credit offers. The easy to use tables in the back of the book help you figure out if an offer will help or hurt you in the long run and how long it will take to pay off accounts. I also took the advice of getting a credit report. So much on there from the past that didn't need to be there that wasn't helping my rating.

I now know how to deal with banks, and their annual fees. I never knew there is no need to pay the annual fee for a credit card. When I read how I need not pay fees, I used it that very day, and saved $35. Now I save the annual fee on all my cards. This alone makes the book worth reading. There are many other money saving techniques in this book. Ways to save on interest payments; ways to reduce your debt; ways to have a "nest egg" available whenever you need it. This book is a great investment. The first day I read this book, I received a 175% return on my investment.