I was talking to Thom the other day about obsessive-compulsive behavior. (Thom was my co-author on the book that started this blog.) He revealed that only this month did his fiancee finally talk him into lightening up on his tracking.
See, when we were writing the book , we had Thom follow all of the debt advice we were giving, to make sure it worked. I've always maintained that all the debt books by my competitors have great things to offer, but so many of them are written by wealthy "celebrity" debt advisors... I'd prefer a book written by people with the same money troubles I'm having.
Anyway. I won't reveal Thom's finances here, but he's done an amazing job getting by and paying down debts (medical, student loan, and credit card) while making a modest income. And he's done it by using the methods described in Repair Your Credit And Knock Out Your Debt . Yeah, I know Thom co-wrote the book, and we can't expect everyone to use it as thoroughly as he has, but the point is, it works. Follow the advice, take it seriously, and you can get through amazingly tough financial situations without ending up destitute.
And it doesn't involve tricks or scams. You don't have to commit fraud, or "beat" the credit bureaus at their own game. There are plenty of books that'll help you go down that road; we prefer to offer advice that is ethical and legal. Not everyone likes that; if you're looking for ways to cheat the system, find another book.
Anyway, I don't spend much time on this blog actively plugging the book, but after talking to Thom this week, I feel really good about how successful he's been by following it to the letter. And I do hear from readers who get something out of the book; I just normally don't like to be such a brazen self-promoter.
I'm going out of town for a few days; be back by the middle of next week!