Dig Out of Debt e-book (2024)

Ready to get out of debt for good?

Dig Out Of Debt
1,000 of the Best Ideas from LivingOnADime.com

Dig Out Of Debtis available as a series of 5 e-books containing a total of 229 pages of the most popular information from the LivingOnADime.com web site.

After receiving so many reader requests, we are pleased to bring you Dig Out Of Debt: 1,000 of the Best Ideas from LivingOnADime.com, over 200 pages of the most popular information from the LivingOnADime.com web site.

Living On A Dime is known as one of the very best resources of its kind to help you get out of debt without depriving yourself. We've brought you literally hundreds of money saving articles, strategies, tips and recipes.

Getting Out of Debt Is Easier Than You Think!

Don’t think you earn enough to get out of debt?You’ll be surprised! Learn how Michael and Tawra paid off $20,000 debt on $22,000 per year income!

  • Can’t stick to a budget?Learn why it’s not as hard as it seems and how to make and stick to a budget!
  • $450 a year on clothes for a family of six?Tawra does it!
  • Is your spouse spending it all before the bills are paid? Read Mike’s conversion story, about how a self-professed spendthrift husband learned to love financial responsibility.
  • Are you actuallydeprivingyour kids by giving them the best?

"We've learned so much from Tawra over the last year about living frugally, examining our habits and managing what little money we had. As of last week, our regular bills are finally all paid up! We're no longer behind on any of them and can start working on our debt instead of playing catch-up with the utility companies. This was due in very large part to Tawra and her mom's wonderful advice, ideas and guidance."

-Karen from Ontario, Canada

"You have helped me a lot through your good advice! I was the most wasteful profligate spendaholic, I earned a lot, and thought I was entitled to spend every penny on myself. Now I have a savings, a growing IRA and have come to my senses."

-Kathy from California

Save over $10,000 in a year on groceries! Stop throwing your money down the garbage disposal!Dig Out Of Debtincludes lots of useful tips to help you reduce your grocery bill.You can see dramatic savings after using these great grocery tips!

Tawra and Jill explain:

  • How Tawra spends $500 a month to feed a family ofsix.Learn why using coupons is not always the best way to save money!
  • Do you frequently buy something and then discover you already had it?Learn how to organize your pantry and get your grocery budget in shape!
  • Are you throwing away $1,000 a year?How reducing food waste at home can you save thousands!
  • Too tired to shop?Learn tips for shopping when you’re ill.
  • Do you eat out several times a week because there’s no time to cook? Saving thousands of preparing meals in 30 minutes or less is a breeze with Jill’s tips.

"Your tip for separating chips, crackers and snacks into small snack bags is such a great and simple idea. I have been doing this for over a month since first seeing your site.
This has helped us save money on throwing away stale crackers and chips."

-Pam from Tennessee

Are youthrowing your money away in the chaos and clutter?Dig Out of Debtreveals how you can clean and organize in five minutes andhow simplygetting dressedcan help you get out of debt!

  • Is your disorganization costing you money every day? Learn the secrets of the organized and start saving!
  • Can’t get rid of anything? Learn the basics of tossing and how it can set you free.
  • Tired of spending money on toxic household cleaners?Learn household cleaner tips and save more.
  • Does it seem like you have to buy your family a new wardrobe every few months?Learn how to save money on clothes and still be stylish!

"I am an at-home medical transcriptionist. After reading your article about not wearing pajamas all day, getting fully dressed for the day as if you were going to a job, even when your job entailed staying home, I told my co-workers about it on our monthly conference call, since it helped me greatly improve my line count (and my mind set)."

-Francine

"I am not one who has a lot of debt, however I never seemed to have any money. Some of the stuff you talk about just seems so simple, yet it just never dawned on me to look at it that way. I especially like your tips for in the kitchen. I have to admit that I am prone to looking at my dirty dishes in the sink and messy counters and just wanting to order a pizza for dinner. Lately, I have really put forth the effort in keeping it clean and now I actually want to cook."

-Dimity from Washington

Dig Out Of Debt Teaches You Kids Cents!

Did you know that you can get out of debt even when you have kids?Dig Out Of Debtincludes lots of insights on raising responsible kids while keeping spending low!

These articles often reveal a perspective that many may not have considered that help financially overrun or guilt-ridden parents learn not to spend so much money trying to appease their kids.

  • Picky Eaters?Save money with healthy breakfast and snack ideas.
  • Does Back to School Mean Back to Broke at your house?Tips to help you save on school supplies.
  • Does the thought of another PB&J send you over the edge?Dig Out Of Debt includes great ideas for school lunches!
  • Tawra spent $25 on her daughter’s birthday party, including the presents!She shares her secrets for an inexpensive but memorable birthday party.
  • Are you counting the days until school starts?Ideas for keeping the kids entertained during the summer.
  • “My kids never help!” Learn how to get kids to help around the house without arguing and fighting.

"Thank you for your article about back to school & buying school clothes. I had already purchased perfectly good clothes for my daughter this summer at garage sales, but like many others, was planning on buying "school clothes". Why? I don't know, because it's just been one of those things people do without even considering why. When I read that article, it was like a lightning bolt - of course, if the clothes she's been wearing are in good condition, why go & buy more just because school is starting? You saved us a good deal of money, I'm sure. Thanks again!"

- Chantelle

Is there not enough “Jingle” in your bells?

Don’t dread the bills in January! Dig Out Of Debt includes a section on Debt Free Holidaysfocusing on having fun during the holidays without spending a lot of money.

You’ll find:

  • Creative ways to treat your Valentine
  • The $6 gourmet Valentine dinner for two
  • Easter Basket ideas
  • Using Easter leftovers
  • Great costumes for less
  • The $25 Halloween Party
  • Christmas On a budget
  • Gift ideas to keep you from becoming a basket case
  • How to save big at after Christmas sales

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Dig Out of Debt e-book (2024)

FAQs

How to get rid of debt book? ›

"Surviving Debt: Expert Advice for Getting Out of Financial Trouble" by the National Consumer Law Center. For anyone who isn't sure where to start on their debt-payoff journey, this book provides the tools you'll need to get started.

How to get out of crippling debt? ›

6 ways to get out of debt
  1. Pay more than the minimum payment. Go through your budget and decide how much extra you can put toward your debt. ...
  2. Try the debt snowball. ...
  3. Refinance debt. ...
  4. Commit windfalls to debt. ...
  5. Settle for less than you owe. ...
  6. Re-examine your budget.
Dec 6, 2023

How do I pay my debt book? ›

Paying Off Debt
  1. The Total Money Makeover. By: Dave Ramsey. ...
  2. Top 10 Ways to Avoid Taxes. By: Mark J. ...
  3. You Need a Budget. By: Jesse Mecham. ...
  4. Debt Free Masterplan. By: Samuel Mordue. ...
  5. Rich Dad Advisors: The ABCs of Getting Out of Debt. By: Garrett Sutton. ...
  6. The Spender's Guide to Debt-Free Living. ...
  7. Money Honey. ...
  8. Make a Payment.

How to get rid of $30,000 in debt? ›

Get in touch with a debt relief service

If you choose a debt management program, experts will typically try to negotiate your interest rates and payment terms with your lenders on your behalf. They'll also create a payment plan for you that fits your budget while getting you out of debt as quickly as possible.

How do I get my debt wiped off? ›

You can apply for your own bankruptcy or a creditor can make you bankrupt. Your financial affairs will be dealt with by the official receiver. Valuable assets are usually sold to raise money to pay your creditors. At the end of your bankruptcy most debts are written off.

Can I get a government loan to pay off debt? ›

While there are no government debt relief grants, there is free money to pay other bills, which should lead to paying off debt because it frees up funds. The biggest grant the government offers may be housing vouchers for those who qualify.

Who qualifies for debt forgiveness? ›

These discharges are for three categories of borrowers: those receiving Public Service Loan Forgiveness (PSLF); those who signed up for President Biden's Saving on a Valuable Education (SAVE) Plan and who are eligible for its shortened time-to-forgiveness benefit; and those receiving forgiveness on income-driven ...

How to pay off $20,000 in debt? ›

If you have $20,000 in credit card debt that you need to pay off in three years or less, you have multiple options to consider, including:
  1. Take advantage of a debt relief service.
  2. Consolidate your debt with a home equity loan.
  3. Take advantage of 0% balance transfer credit cards.
Feb 15, 2024

How do I pay all my debts at once? ›

Debt consolidation allows you to combine several high interest debts into one new loan, ideally with a lower interest rate. This new loan is then used to pay off all your debts, and you only have to make one monthly payment. Many debt consolidation lenders offer to pay your creditors directly.

How do I pay off everything in collections? ›

How to pay off a debt in collections
  1. Confirm that the debt is yours.
  2. Check your state's statute of limitations.
  3. Know your debt collection rights.
  4. Figure out how much you can afford to pay.
  5. Ask to have your account deleted.
  6. Set up a payment plan.
  7. Make your payment.
  8. Document everything.
Dec 11, 2023

How can I find out all my debts? ›

You can find all of your debts by checking your credit reports, going through old bills and mail and contacting known creditors directly to ask for balance statements.

How to overcome debt book? ›

In Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth, lawyer, business owner, and first-generation professional Cindy Zuniga-Sanchez delivers a practical and actionable blueprint for financial independence.

How do I clear my written off debt? ›

If your debt is still with the original lender, you can ask to pay the debt in full in exchange for the charge-off notation to be removed from your credit report. If your debt has been sold to a third party, you can still try a pay for delete agreement.

How do I purge my book collection? ›

12 Helpful, Practical Steps to Decluttering Books
  1. Decide to do it. ...
  2. Realize books do not define you. ...
  3. Remove scarcity thinking. ...
  4. Determine to make room for the new. ...
  5. Go digital. ...
  6. Give yourself permission to keep your favorites. ...
  7. Set up reasonable boundaries for your collection. ...
  8. Remove unused or outdated reference books.
Nov 12, 2013

How can I get my debt erased? ›

Debt settlement service

Debt settlement services may not be able to get 100% of your debt written off, but they're often able to wipe out a substantial portion of it. Here's how the process works: Payments: You immediately stop paying your creditors when you sign up for a debt settlement program.

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