Want Good Credit? Read On

Let’s face it: It’s easy to fall into credit card debt. Increasingly, those handy pieces of plastic see us through job layoffs, medical scares, and emotional spending sprees. Before we know it, we’re carrying unmanageable debt loads that can affect our ability to land a job, buy a home, or save for retirement.

Glinda Bridgforth, the author of Girl, Get Your Credit Straight! (Broadway Books; $19.95), the third in a series of financial self-help books for African American women, feels your pain. “I’ve been in deep debt,” she admits. “It’s a very shameful and embarrassing place to be.” But you don’t have to take up permanent residence there.

By the time you read the last page of the book, you will know how to work with creditors, how to create–and stick to–a spending plan, and how to identify the emotional reasons for your overspending.

“It’s all about progress, not perfection,” stresses Bridgforth. “My books are about moving sisters in the right direction.” Most importantly, you’ll have the tools you need to start living within your means.

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