Customer Reviews

The Debt-free & Prosperous Living Basic Course

5 star:		(19)
4 star:		(3)
3 star:		(0)
2 star:		(0)
1 star:		(1)

 

 

...I have read many books on the mechanical, spiritual, and emotional aspects of money, personal finance, and debt elimination, and Mr. Cummuta's contribution in this field is by far the finest. His system will get you out of debt quicker and easier than any other system.

In his tapes he will explain how we have been brainwashed by the banks into believing that credit is good, how we've fallen into the "monthly payment" trap, the price we pay for committing our future income to creditors, and why consolidation loans and mortgage refinancing will leave you worse off than before. He'll explain why it is NOT a good idea to save money when you are in debt and why your mortgage interest deduction is a bad deal. If you're like me, you'll listen to tape 2 over and over again until your subconscious is retrained to understand the horrible cost of "I have to have it now." The workbook will take you step by step through the system and show you how to cut costs and pay off your debt in 5 to 7 years--including your mortgage--all with the money you are currently making. It will also show you how to quickly build retirement wealth and offers other tips too numerous to mention.

I can't speak highly enough for this program. It has totally changed how I think about credit and spending and has given me tremendous hope for my financial future.

What an outstanding book! My neighbors are now debt free due to their application of the concepts in John's book to their budget. They had quite a sizeable debt and it took them just slightly over 5 years to become totally debt free. I have been following the program for 2 years. I have reduced my debt by $10,000. I had 3 student loans, 1 credit card, and a house payment. I have paid off 1 student loan and am 3 payments short of paying off the credit card. I even had to opt out of the program for 3 months due to some unexpected expenses that popped up. Yes, John's plan even has guidelines for this! I got right back on the program as soon as I could and kept focused on paying off bills, not making them. I live on a limited income and have still managed to make this work. I have 8 years left to pay on my house, but with John's plan it will be paid off in just 3. In the next 8 months all my bills, with exception of the house, will be paid off. This book is plainly written, easily understood and based on common sence. It takes discipline and focus to keep on track. However, the rewards of being debt free are well worth it. This is a book that everyone can benefit from. Seems expensive? Not when you compare it to what you will save by being debt free. It is well worth the purchase price.

You can't argue this plan. It's basic, simple math that will blow your mind. This guy is a genious. Anyone who is serious about beating debt should read this book. It's an expensive one, but if you buy just one book about paying off your debts, this is the one. Pair it up the Simple Living Guide and you are all set. Very very inspirational. THANK YOU Mr. Cummuta.

Are you mired in debt and looking for a way out? Does your financial situation look bleak? If so, fret no more. Pick up a copy of DEBT-FREE & PROSPEROUS LIVING: BASIC COURSE by John Cummuta and let your financial wellness commence! This is an awesome resource in helping you devise a plan to become totally debt free. Free from steep credit card balances. Free from the monthly constraints of a mortgage. Free from any type of debt that is currently bogging you down.

In DEBT-FREE & PROSPEROUS LIVING: BASIC COURSE, Mr. Cummuta lays out a financial formula, which if applied consistently to your personal situation, will help you to achieve a better financial situation. Using his formula, the reader is able to actually achieve a date as to when they will be debt-free. How exciting it is to discover this revelation!

I was first introduced to this plan at a local college where I enrolled in a financial workshop. This initial investment was one well worth the costs of a three credit course! The financial blessings that I have received as a result are priceless! Using Mr. Cummuta's plan, I was able to improve my credit score by over 50 points in a year's time! The information is easy to apply and to be honest, is probably something we've all heard before, yet the application of the information is truly valuable.

Our local book club has selected this plan to continue to apply to our unique situations. We have an upcoming presentation based on this workbook, yet some of the members have already begun applying this information to their personal situations. The testimonies of our members are also very compelling. One particular member said she could realize financial freedom from her student loans, credit cards and car note within a two-year period. Another stated she could be debt-free from these same constraints in a 4-year period. For a small investment, which is just the cost of this book, you could also have a similar testimony!

In my opinion, this would be a self-investment well worth the costs. In addition to the workbook, cassettes and software are available. Although our local group did not choose these options, we did develop our own spreadsheets to track our progress. If I had the opportunity, I would thank Mr. Cummuta for putting this information together.

Reviewed by Nedine
of The RAWSISTAZ Reviewers

I read this book. I followed the advice and suggestions given by John Cummuta. In January of 1999 I paid off my mortgage and became completely debt-FREE. My 30 year mortgage was paid in 6 1/2 years. I saved over $82,000 in mortgage interest. The program works, the book is wonderful and the system is practical and doable! It's the best financial investment you can make, this book is your financial bible!

I ordered the course in August 1997. I was able to wipe out 6,000 dollars in car loan and credit debt. The mortgage I had 25 plus years yet to pay will be paid off in three years. Many people I approach believe it sounds too good to be true. Not true, the advertisers, creditors and the government have allowed us to be blinded to the truth. Getting rid of all consumer debt and living strictly on cash is the answer to a prsperous life.

....or more, IF you apply the easy to understand principles. The course tells you exactly how to eliminate your debts and to start building towards REAL financial freedom, regardless of your present indebtedness.

I read the book in 1998 and DID NOT apply the principles, got deeper into debt and experienced extreme marital hardship directly related to family money matters. I GREATLY REGRET the day I decided to "do nothing" with the knowledge I had gained from this course.

I am now COMMITTED to following the plan laid out in the course until I have zero debt and am on the road to financial independence.

Just applying SOME of the principles found in the course will pay for the materials many times over.

This would also be a GREAT present for engaged or newlywed couples as well as for anyone who has any amount of debt, it could save lots of heartache and many marriages- REALLY!

I read the book about a year ago. By the end of 1999 we will have eliminated 2 car notes and various credit cards. I will be able to quit my job and raise our children, and we will still pay off the mortgage in 7 years. This is not only a "must-read," it is a "must-do!"

This program is excellent! The best personal financial debt-elimination and wealth-building plan I have come across over many years. It should be taught in our high schools and universities. Easy-to-read and understand, you will learn basic principles which can enable you to control your financial destiny. You will want to share what you learn with family, friends and associates. I write from experience...the plan has worked for me and I've shared it with my grown children, extended family, friends and business associates. The book with its forms is great and stands by itself, however anyone would gain additional insights from the audio tapes, as well.

Took a 3 hour course one night about debt free living, and this was the text book. The concepts are real simple, but people just don't think about it. The book will give you the plan, but you must stick to it. Just started it and in less than 7 years, my wife and I should be debt free, after owing more than $150,000 on house, school loans, credit cards. All of this is planned with what we make today, and not 7 years from now. Offers other helpful hints on how to cut costs.