David,

I went through a divorce 3 years ago and found myself sinking further and further into debt. The saving grace was that I had my two wonderful boys to keep me going. I was always trying to figure out to get in a better situation, but just decided I would just take one day at a time and do the best I could.

A few months ago, I was making breakfast for the boys and saw you on Good Morning America. You were so positive and upbeat. I immediately went out and bought the book. I became glued to it. I was determined that there was hope.

I was in 20,000 dollars worth of credit card debt. I thought that I did the right thing by turning this over to a debt consolidation company. They gauranteed me that I would have this paid off in 7 years. When I looked at the fine print and looked at the percentage rate, I was only paying
$50 towards my debt, the other $436.00 was going straight to company. While reading the book, I went to www.lowermybills.com. I found a wonderful company to help me manage this. I am now at a 5% rate instead of a 23% and will have this paid off in 5 years. (They are a member of the Better Business Bureau and the Chamber of Commerce). Your book taught me to research companies and to understand where my money is going. I also kept my (2) of my oldest credit cards open by just calling, I went from a 23% APR to an 11% APR and a 20% to an 8.99%. I have learned to pay myself first. I have more than doubled my savings,
I have learned to place my debt in order from smallest to largest and double up on payments as I get them paid off.

I have a ways to go. But you gave me the start I needed.

David, your book has given me hope again. I am taking charge of my life. I will be sharing this with my boys so that they will be prepared.

Thank you…

Sincerely,