Debt Cures or The Total Money Makeover? Which Debt Book Should You Buy?

Debt Cures and The Total Money Makeover are two books designed to help you get out of debt. Debt Cures is advertised on late night infomercials and written by Kevin Trudeau and The Total Money Makeover is written by Dave Ramsey, a popular personal finance guru. But when you're looking to get out of debt, which book should you buy? Which one is better? This article will provide a short review of each book to help you make a better decision if you should give either one your money.When you type Kevin Trudeau into your favorite search engine, you will no doubt read about his less than stellar criminal history. He has defrauded many people with some of his past activities. So anyone should be skeptical about anything he has to say. You should be skeptical about anything you read and do your own homework before you decide to spend your money.All that being said, I would have to still say that Debt Cures has some merit. Some of the useful tips in this book include: tips on
what to say to creditors to get them to stop calling you, what to say to credit card companies to lower your interest rates, how to actually reduce or eliminate some of the debt you owe using the statute of limitations, and tips on how to get cash in a hurry.Debt Cures offers shortcuts to get out of debt. Trudeau blames the credit card companies for your debt. He says you're a victim. He says it's not your fault you're in debt. These statements I would have to disagree with. The credit card companies can and will kick you when you're down and increase your interest rates when you've borrowed too much. But, you were the one who borrowed all the money in the first place.Now let's take a quick look at Dave Ramsey's Total Money Makeover. Dave does not cast you as the victim. He wants you to admit you have a problem and that you need to make major sacrifices to get you out of debt. His quote is that you need to "live like no one else so that later you can live like no on
e else." What this means is that you need to give up the luxuries in life for a while until you can reduce and payoff your debts and then you can live like no one else. He offers you baby steps to start an emergency fund, save for retirement, pay cash for everything and of course, get out of debt.The Total Money Makeover requires work and sacrifice. He recommends you downsize your house if your mortgage payments are too big for your income. He recommends you downsize your car and get rid of your car payments to help you apply those monthly payments to your credit card debts. Dave says you first need to admit you have a debt problem and work vigorously to get rid of it.So which book should you buy? Both of them of course. I'll tell you why. Using Debt Cures can help you reduce the total amounts you owe. It can help you get rid of some debt you may not owe in the first place. Use Trudeau's book to lower your interest rates and lower your monthly payments. Once you'v
e done this, you can apply Ramsey's methods and apply the debt snowball method to payoff your debt once and for all. Debt Cures will make it easier to get a Total Money Makeover.You need some small wins to keep you motivated in anything you do. Debt Cures will help you get those small wins in the short term until you can change your habits as outlined in The Total Money Makeover.

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