Debt-free forever : take control of your money and your life / Gail Vaz-Oxlade.

Enhanced descriptions from Syndetics:

If you're afraid to open your bills, if you've never added up how much you owe, if you can't even imagine being debt-free, it's time to join the thousands of people Gail Vaz-Oxlade has helped. Her straightforward approach to money management is based on self-control, hard work, and prioritizing what's really important. Debt-Free Forever is Gail's step-by-step guide, and she'll show you how to:

figure out how much you've actually been spending

* calculate how much you owe--and what it's costing you

* build a budget that works

* maximize your debt repayments so you can be free of consumer debt in 3 years or less

* prepare for a rainy day so it doesn't mean a major setback

* set goals for your new, debt-free life.

Make no mistake: Getting out of debt isn't easy. But in Debt-Free Forever , Gail gives you a clear strategy and the steps needed to implement it. So if you're finished with excuses, overdue notices, and maxed-out credit cards, pick up this book, follow Gail's plan, and start becoming debt-free forever.