Jerrold Mundis' Book
Hi, all. I've owned the book How to Get Out of Debt, Stay Out of Debt, & Live Prosperously by Jerrold Mundis for awhile, and began the first part -- maintenance of a Spending Record -- this past New Year's Day. I fell off during the first week of February because I lost my most updated version of my spreadsheet -- today, the first of March, I am starting again.
I would estimate my debt to be around $30,000, a combination of credit cards and student loans.
I don't do Twelve-Step, so the Debtors Anonymous portion of the Mundis book is not for me; I also do not generally do absolutes, so I won't promise never to incur unsecured debt again, as he advises. However...the program in general is definitely something I'd like to latch onto and stick with, and hopefully I will make it out of the red within the next few years.