Free and Clear

Overwhelmed with debt? There is hope and freedom for you no matter how ^big your problem. Skyrocketing debt has crippled and divided millions in this age ^of rampant credit, interest-only mortgages, and record loan defaults. The way out ^from under debt burdens is not a declaration of bankruptcy, but surrender to the ^Word of God. Becoming debt-free may seem an impossible dream for many, but it is ^actually an attainable goal according to Howard Dayton, cofounder of Crown Financial ^Ministries. He overcame his own struggle with debt by applying God's principles ^to managing his finances, principles he lays out in this practical, encouraging, ^never-give-up book.


HOWARD DAYTON is Co-founder of Crown Financial Ministries®, ^created by a 2000 merger of Crown Ministries, which he founded in 1985, and Larry ^Burkett's Christian Financial Concepts. Howard's books and small-group financial ^studies have been used by thousands of churches and individuals. He is a former ^naval officer, restaurateur, and real estate developer.
Howard and his wife, Bev, ^have been married for over 35 years. They reside in Gainesville, Georgia, and have ^two married children.



TABLE OF CONTENTS

Acknowledgments

1. The Problem

2. ^The Answer

3. A God's-Eye View of Money

4. The Money Map

5. ^Where Are You?

6. Acting Your Own Wage

7. Your Mind over Money

8. ^Credit Scores and Credit Reports

9. The Snowball

10. Dealing with ^Creditors

11. Plastic Surgery

12. The Auto Debt Trap

13. School ^Days, School Days, Dear Old Loans and Debt Days

14. Paying Off Your Mortgage

15. ^Investment and Business Debt

16. Loan Consolidation and Home Equity Loans

17. ^Destitute of Mind: Watching Out for

18. Cosignings

19. Credit to Avoid

20. ^Bankruptcy

21. Teaching Kids About Debt

22. A Debt You Cannot Pay

23. ^Free and Clear!

Notes

By following scriptural leading and recognizing the importance of financial ^stewardship in our lives, we can experience a freedom from debt and financial strain ^that is impossible apart from God.  In this profound and freeing book, Howard ^Dayton, cofounder of Crown Financial Ministries, equips us with the tools we need ^to be free and clear.

Overwhelmed with debt? There is hope and freedom for you no matter how big your problem. Skyrocketing debt has crippled and divided millions in this age of rampant credit, interest-only mortgages, and record loan defaults. The way out from under debt burdens is not a declaration of bankruptcy, but surrender to the Word of God. Becoming debt-free may seem an impossible dream for many, but it is actually an attainable goal according to Howard Dayton, cofounder of Crown Financial Ministries. He overcame his own struggle with debt by applying God's principles to managing his finances, principles he lays out in this practical, encouraging, never-give-up book.


-Publisher