Debt-Free and Prosperous Living Home Study Course

I almost didn't consider a review, but in my online search for info about Mr. John Cummuta, I found this link & recalled I could submit a review, and felt the obligation; I ordered his course, so I am guessing that this book here is in the course -or is very similar to it: So my review of his course will give you an idea of how the book is. (I did online research to see what was up with his course and if I should return it & get my money back or keep it.) Anyhow, some "oldie but goodie" ideas include the simple but reliable adage to NOT be in debt. Mr. Cummuta tells the reader (or listener in my case; I had CD's) early on that you gotta cut up that credit card. He makes his case well, and as a person who has used credit cards successfully for many years, in college and since, I say from experience: He is right. Most of the time, I had not problems with using my credit card, but recently some emergencies have pushed my balance up to about 5,000 dollars, and let me tell you: The interest of about $50.oo per month is eating me up because (as I'm sure you know) you don't pay on the principal owed until AFTER you've paid that interest. Suffice it to say that he is right. After he makes his case, he casually mentions another wise man, Solomon, the author of Proverbs, whose proverbs caution the reader to NOT be in debt. (Yes, I was surprised to here him quote the Bible, even as a person who believes in it, but he is right, and he is careful to acknowledge that some people might have different religious beliefs. He is careful to not offend the reader, but merely offer this as supplemental info for the curious; He does well here!) The elimination of credit card debt is not the only thing he has to offer, but there were new things in his packet (which may or may not be in this particular book; I don't know). He lists four (4) different ways to supplement your income, and is careful to admit that these are NOT "get rich quick" methods. The four he lists are: #1, An intro to e-bay and online auctions; #2, buying & renting residential real estate (the "landlord" thing); #3, Creating & marketing information products; and, #4, Online affiliate marketing business (that is, click-able referrers on your website). Those were a refreshing addition which stimulated my imagination, but the **main** focus he makes is to pay off your debts in a "logical" fashion, prioritizing the "most important" debt first. He shows the reader how you divide the balance by the minimum payment that the creditor sets, and you get this figure for each debt, that tells you which one is a priority. I think that the smaller the balance in comparison to the payment, the easier it is to pay off, and should be prioritized, with the other debts receiving the "minimum monthly" payment. This is "logical" because the "spare cash" you'd have after that debt is paid can go to the other debts. He also has a laundry list of tips to cut corners, and some of them are good, like getting