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Beating Poverty a have to for have nots

Beating Poverty INTRODUCTION A PRACTICAL RESOURCE FOR THOSE CURRENTLY WITHOUT MONEY 1. HOW NOT TO BE POOR, IN TWO LESSONS. 2. FOUR RULES TO LIVE BY 3. YOUR EDUCATION 4. A PERSONAL STORY 5. UNDERSTANDING MONEY 6. GETTING GROUNDED, AND STAYING THAT WAY INTRODUCTION A PRACTICAL RESOURCE FOR THOSE CURRENTLY WITHOUT MONEY I decided to write this book when I was hired to write a website on debt reduction. I went looking for new information about how to deal with not having enough money to live on but I simply couldn’t find any. It turns out that financial advice isn’t written. | Beating Poverty INTRODUCTION A PRACTICAL RESOURCE FOR THOSE CURRENTLY WITHOUT MONEY 1. HOW NOT TO BE POOR IN TWO LESSONS. 2. FOUR RULES TO LIVE BY 3. YOUR EDUCATION 4. A PERSONAL STORY 5. UNDERSTANDING MONEY 6. GETTING GROUNDED AND STAYING THAT WAY. INTRODUCTION A PRACTICAL RESOURCE FOR THOSE CURRENTLY WITHOUT MONEY I decided to write this book when I was hired to write a website on debt reduction. I went looking for new information about how to deal with not having enough money to live on but I simply couldn t find any. It turns out that financial advice isn t written for the truly poor it s written for the middle-class people with jobs and bank accounts. In short for people who don t really need it. After doing a little research I realized that every piece of financial advice I had ever read was pure absolute garbage. The money management strategies put out there by financial advisors make some huge assumptions about how much money the reader has and I know that for myself for years and years I wanted to cry every time I read the words pay yourself first . If I paid myself first I wouldn t be able to pay the electric bill. There were literally years when I couldn t afford a decent meal a pair of shoes that fit or a new book. There were years when I was cold and even hungry. And I was never even poor . Not living-in-the-tenement poor anyway not sleeping-on-the-streets poor. I came from a middle class background but when I left home in the high-unemployment Reagan years my standard of living dropped drastically. I was chronically impoverished and sometimes I felt desperate. It s so hard to be poor and tens of millions of Americans deal with that reality every day. What s unreal is the debt consolidation advice given out free gratis and at no charge by banks mortgage lenders financial advisors and credit counseling agencies. Pay yourself first Cut up your credit cards Never make just the minimum payment What these banks and well-meaning do-gooders credit counselors