How to escape from your debt.

th-1Some money experts come across as professional scolds who harangue us about the bad things we’ve done and the good things we haven’t done.

No wonder some people prefer to unload their money woes to friends. Even if our pals gently point out our goofs, at least they’re not telling us how stupid we are.

The problem is that not all friends will hold us accountable, either because they don’t want to hurt our feelings or they don’t know much about money themselves. Thus we run the risk of getting advice that’s well-intentioned but not really in our best interests.

Ever confess to having gone a little off the rails at the mall only to have your BFF blithely chirp, “Oh, well, it happens to all of us!” Or fret about how you shouldn’t have gotten such an expensive car and have some other dude say, “Aw, come on! Live a little!”

Beverly Harzog won’t tell you anything like that. Instead, she’ll be the friend everyone should have: One who cares enough to convince you to get control of your spending and who offers to stand by you every step of the way.

Harzog recently released a new book, “The Debt Escape Plan,” and it’s up for grabs in this week’s giveaway.

The subtitle is “How to free yourself from credit card balances, boost your credit score and live debt-free,” a positive approach to money troubles. Harzog introduces readers to some hard truths but with a soft touch: Rather than berate you for having fallen behind, she encourages you to “look your debt in the eye and own it” and takes you through the steps of changing your own life.

This change may not be easy but it is almost certainly possible. Harzog speaks not from an ivory tower of money goddess-hood but from painful personal experience. The title of her first book was “Confessions of a Credit Junkie: Everything You Need to Know to Avoid the Mistakes I Made.”

She worked to get herself out of debt, and now she counsels and inspires others. Now imagine being able to fix your own money issues and then help friends who are slipping under.

If you win the book, you can teach by example or by offering specific advice. To enter:

If you do any (or all!) of these things, please leave separate, additional comments to get credit for each entry.

The deadline is 7 p.m. PDT Tuesday, March 31. If I don’t hear back from the winner by 7 p.m. PDT Wednesday, April 1, I’ll pull another name. No foolin’.

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53 thoughts on “How to escape from your debt.”

  1. An escape sounds good about now! Thanks, I really appreciate your efforts in trying to help all of us get out of debt.

    Reply
  2. It’s a very tough balance to hold people accountable without coming off as a scold. I know I usually come down on the side of “scold” myself. I admire people who can walk that tightrope, though. I’ll see if we have any of her books at my library.

    Reply
  3. Hey, Donna! Thank you so much for the awesome review.

    I’m thrilled that so many of your readers are excited about my book. Since I’ve been in credit card debt, I know how awful it feels and that’s why I wrote this book. I want everyone to know that, although getting out of debt can be tough, there really is a light at the end of the tunnel. You can do it! I truly hope my book helps.

    Reply

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