An updated guide to personal finance for readers at all economic levels discusses a wide variety of credit and debt issues, identifies warning signs of financial trouble, offers helpful keys to permanent freedom from money woes, and explains how to make and follow a budget. Original. - (Baker & Taylor)

<b>A simple, proven-effective formula for freeing yourself from debt&mdash;and staying that way &bull; Revised and updated, with a new Preface by the author</b><br> <b>&#160;</b><br><b>&ldquo;A must read for anyone wanting to get their head above water.&rdquo;<i>&mdash;The Wall Street Journal</i></b><br><b>&#160;</b><br> THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION<br> &#160;<br> <b>OUT OF THE RED</b><br> &bull; Do this month&rsquo;s bills pile up before you&rsquo;ve paid last month&rsquo;s?<br> &bull; Do you regularly receive past-due notices?<br> &bull; Do you get letters threatening legal action if immediate payment is not made?<br> &bull; Do the total amounts of your revolving charge accounts keep rising?<br> &#160;<br> <b>INTO THE BLACK</b><br> Whether you are currently in debt or fear you&rsquo;re falling into debt, you are not alone. Sixty million Americans&mdash;from doctors to secretaries, from executives to the unemployed&mdash;face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You&rsquo;ll learn<br> &#160;<br> &bull; how to recognize the warning signs of serious debt<br> &bull; how to negotiate with angry creditors, collection agencies, and the IRS<br> &bull; how to design a realistic and painless payback schedule<br> &bull; how to identify your spending blind spots<br> &bull; how to cope with the anxiety and daily pressures of owing money<br> &bull; plus the three cardinal rules for staying out of debt forever, and much more!<br> &#160;<br> This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.<br><br><br><i>From the Trade Paperback edition.</i> - (Random House, Inc.)