“An excellent and informative work. It was a great help to me in teaching others. It provides an easy-to-follow plan to use as resource material and also as a textbook in a small group teaching environment. It's concise, easy to understand and easily applied. The chapter presenting the debt-management model and time remaining tables allowed me to present this concept (payoff times) to a debt-free living class without having to confuse them with complicated math. The abundance of useful information make it (Credit Card and Debt Management) well worth the investment.”