The Debt-Free and Prosperous Living Basic Course

This was a boon to helping us achieve our goals. We will be using John's advice and become debt free in the next few years!

Are you mired in debt and looking for a way out? Does your financial situation look bleak? If so, fret no more. Pick up a copy of DEBT-FREE & PROSPEROUS LIVING: BASIC COURSE by John Cummuta and let your financial wellness commence! This is an awesome resource in helping you devise a plan to become totally debt free. Free from steep credit card balances. Free from the monthly constraints of a mortgage. Free from any type of debt that is currently bogging you down. In DEBT-FREE & PROSPEROUS LIVING: BASIC COURSE, Mr. Cummuta lays out a financial formula, which if applied consistently to your personal situation, will help you to achieve a better financial situation. Using his formula, the reader is able to actually achieve a date as to when they will be debt-free. How exciting it is to discover this revelation! I was first introduced to this plan at a local college where I enrolled in a financial workshop. This initial investment was one well worth the costs of a three credit course! The financial blessings that I have received as a result are priceless! Using Mr. Cummuta's plan, I was able to improve my credit score by over 50 points in a year's time! The information is easy to apply and to be honest, is probably something we've all heard before, yet the application of the information is truly valuable. Our local book club has selected this plan to continue to apply to our unique situations. We have an upcoming presentation based on this workbook, yet some of the members have already begun applying this information to their personal situations. The testimonies of our members are also very compelling. One particular member said she could realize financial freedom from her student loans, credit cards and car note within a two-year period. Another stated she could be debt-free from these same constraints in a 4-year period. For a small investment, which is just the cost of this book, you could also have a similar testimony! In my opinion, this would be a self-investment well worth the costs. In addition to the workbook, cassettes and software are available. Although our local group did not choose these options, we did develop our own spreadsheets to track our progress. If I had the opportunity, I would thank Mr. Cummuta for putting this information together. Reviewed by Nedine of The RAWSISTAZ Reviewers

...I have read many books on the mechanical, spiritual, and emotional aspects of money, personal finance, and debt elimination, and Mr. Cummuta's contribution in this field is by far the finest. His system will get you out of debt quicker and easier than any other system. In his tapes he will explain how we have been brainwashed by the banks into believing that credit is good, how we've fallen into the "monthly payment" trap, the price we pay for committing our future income to creditors, and why consolidation loans and mortgage refinancing will leave you worse off than before. He'll explain why it is NOT a good idea to save money when you are in debt and why your mortgage interest deduction is a bad deal. If you're like me, you'll listen to tape 2 over and over again until your subconscious is retrained to understand the horrible cost of "I have to have it now." The workbook will take you step by step through the system and show you how to cut costs and pay off your debt in 5 to 7 years--including your mortgage--all with the money you are currently making. It will also show you how to quickly build retirement wealth and offers other tips too numerous to mention. I can't speak highly enough for this program. It has totally changed how I think about credit and spending and has given me tremendous hope for my financial future.

I read this book. I followed the advice and suggestions given by John Cummuta. In January of 1999 I paid off my mortgage and became completely debt-FREE. My 30 year mortgage was paid in 6 1/2 years. I saved over $82,000 in mortgage interest. The program works, the book is wonderful and the system is practical and doable! It's the best financial investment you can make, this book is your financial bible!

You can't argue this plan. It's basic, simple math that will blow your mind. This guy is a genious. Anyone who is serious about beating debt should read this book. It's an expensive one, but if you buy just one book about paying off your debts, this is the one. Pair it up the Simple Living Guide and you are all set. Very very inspirational. THANK YOU Mr. Cummuta.