The Everything "RM" Get Out of Debt Book contains complete information to help anyone clean up their finances and build for the future.Appealing to recent college graduates faced with paying their student loans, heavy credit card spenders, or families with high mortgages or college tuition, this important new book includes everything readers need to know to resolve these debt issues and get back on the right financial track.The Everything "RM" Get Out of Debt Book is more than a last resort for financial disasters. From recognizing problems to negotiating with lenders, this practical book can teach anyone how to reduce their current debt and create a maintainable, realistic budget.Includes important information on:-- Obtaining and reading a credit report-- Painless, simple budgeting techniques-- Understanding the difference between credit cards and debit cards-- Staying out of personal bankruptcy-- Creating saving strategies that work-- Managing ATM card usage