At this point, the only people who haven’t felt the strain of the recession are those who have been living under a rock for the last five years. And if you’re like most, the financial strain of common events like drops in the stock market, job loss, and home foreclosure has left you not only shaken, but carrying a burden of debt. Even those who have managed to hold steady jobs may have the proverbial Sword of Damocles hanging over their heads in the form of a mortgage, a car loan, student loans, write off bounce back loan, credit card debt, or other red ink. And with layoffs still happening and the job market shaky, to say the least, the ever-present threat of financial loss is no laughing matter. Unfortunately, we all still have bills to pay, and most of us want to have a little fun with our money so that we don’t feel like our lives are only about work. This has left plenty of people scratching their heads at how to dig their way out of debt. But there is help out there for those who want it, and J.P. Conyers wants the public to know that a few simple money-saving tips can make a world of difference.
The audio book ‘101 Money-Saving Tips to Help Reduce Debt and Build Wealth’ delivers just what it promises with the goal of helping listeners to save money, reduce debt, and retire with a savings that will see them through their golden years. And as you might imagine from the title, it’s a pretty concise and straightforward offering. Conyers aims to give the listening audience a springboard, more than anything else – a way to start down the road to a debt-free life, and ultimately, a prosperous one. With only 4% of the world’s population estimated to live without debt, Conyers feels that people need some easy-to-implement suggestions that will help them to get what they want out of life while adopting a more frugal mindset. And of course, he’ll kick off your adventure with a few great tips to begin this lifelong journey.
Conyers offers advice on how to pay down credit card debt so that you avoid extra interest and fees, thus saving money even as you climb out of the hole. He tells listeners how to save money in the home, on food, through coupons, and more. He talks about the myriad ways in which money leaks from our coffers seemingly without notice, leaving us scrambling to pay the bills. And he even gives a lesson on how to separate the things we want from the things we truly need. But perhaps the most important tips he provides revolve around determination and finding the motivation needed to stick to a budget and climb out of debt (such as the desire to avoid working as a Wal-Mart greeter when you’re an octogenarian).
Of course, Conyers explains in the beginning of the audio book that the tips he provides are only a place to start. But he theorizes that once you begin to see your debt dwindle and your savings grow you will find your own ways to make money-saving choices that work for your life. Perhaps you’ll pay off your credit cards and stop using them altogether. Or may you’ll seek out companies that buy structured settlements in order to squirrel some cash away for a rainy day. And once you’ve got your financial situation well in hand, Conyers suggests passing on the lessons you’ve learned to children, since there is little education on such matters. This audio book may not be expansive, but it has plenty to offer anyone dealing with debt; it will start you down a new path that leads to prosperity.
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