Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in.
Generation Debt: Take Control of Your Money--A How-to Guide and over 300,000 other books are available for Amazon Kindle – Amazon’s new wireless reading device. Learn more

 

or
Sign in to turn on 1-Click ordering.
 
 
More Buying Choices
80 used & new from $1.17

Have one to sell? Sell yours here
 
   
Generation Debt: Take Control of Your Money--A How-to Guide
 
 
Start reading Generation Debt: Take Control of Your Money--A How-to Guide on your Kindle in under a minute.

Don’t have a Kindle? Get yours here.
 
  

Generation Debt: Take Control of Your Money--A How-to Guide (Paperback)

by Carmen Wong Ulrich (Author) "In order to master your enemy, it's best to get familiar with its MO..." (more)
Key Phrases: Social Security, Nellie Mae, United States (more...)
4.0 out of 5 stars See all reviews (22 customer reviews)

List Price: $13.99
Price: $11.89 & eligible for FREE Super Saver Shipping on orders over $25. Details
You Save: $2.10 (15%)
In Stock.
Ships from and sold by Amazon.com. Gift-wrap available.

Want it delivered Thursday, July 16? Choose One-Day Shipping at checkout. Details
35 new from $2.94 45 used from $1.17
Also Available in: List Price: Our Price: Other Offers:
Kindle Edition (Kindle Book) $9.99

Frequently Bought Together

Generation Debt: Take Control of Your Money--A How-to Guide + Strapped: Why America's 20- and 30-Somethings Can't Get Ahead + Generation Debt: How Our Future Was Sold Out for Student Loans, Bad Jobs, NoBenefits, and Tax Cuts for Rich Geezers--And How to Fight Back
Price For All Three: $27.82

Show availability and shipping details


Customers Who Bought This Item Also Bought

Suze Orman's 2009 Action Plan

Suze Orman's 2009 Action Plan

by Suze Orman
3.9 out of 5 stars (93)  $9.99
The Money Book for the Young, Fabulous  &  Broke

The Money Book for the Young, Fabulous & Broke

by Suze Orman
4.6 out of 5 stars (257)  $10.88
Generation Debt: How Our Future Was Sold Out for Student Loans, Bad Jobs, NoBenefits, and Tax Cuts for Rich Geezers--And How to Fight Back

Generation Debt: How Our Future Was Sold Out for Student Loans, Bad Jobs, NoBenefits, and Tax Cuts for Rich Geezers--And How to Fight Back

by Anya Kamenetz
3.0 out of 5 stars (62)  $4.07
Women & Money: Owning the Power to Control Your Destiny

Women & Money: Owning the Power to Control Your Destiny

by Suze Orman
4.7 out of 5 stars (292)  $7.26
The Budget Kit: The Common Cents Money Management Workbook

The Budget Kit: The Common Cents Money Management Workbook

by Judy Lawrence
4.4 out of 5 stars (45)  $13.57
Explore similar items

Editorial Reviews

From Publishers Weekly
When the average college student graduates with $18,560 of debt, almost all of it in tuition loans, and is lucky to find a job that will pay even $28,000 a year, how is he or she supposed to make ends meet? Ulrich, a former projects editor for Money, offers a step-by-step guide on how to budget your monthly expenses, make judicious use of credit cards while avoiding the pitfalls of high interest rates, and find the best way to pay off those student loans. Later sections cover situations like choosing whether to rent or buy a home, getting a car and saving for retirement, and each chapter has links to Web sites with additional resources. Ulrich's advice is simple and to the point, but her efforts to reach a young audience with sarcasm and hip lingo occasionally risk the appearance of talking down to her readers. There's also a slight but uncomfortable strain of resentment aimed toward peers from wealthier families who don't have to grapple with these issues. Ulrich does argue for some big nationwide initiatives, like a higher minimum wage and increased credit card regulation, but she's much more concerned with providing basic solutions to individual financial crises—and delivers the goods effectively. (Jan. 5)
Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.

Product Description
There is a growing financial epidemicyoung adults are taking on more student loan and consumer debt than ever before, but finding it harder to pay it off. With tuition and living expenses rising every year, and the average college student graduating with over $18,000 in debt, many are trapped and cant find a way out. Now, this definitive book offers the financial advice necessary to help readers navigate their way toward a debt-free future. Informative, timely, and entertaining, GENERATION DEBT teaches readers how to: Get a grip, set goals, and make financial plans by identifying needs vs. wants Employ the B word (Budget) to lower bills Master loans with payback options and consolidation strategies Learn good debt vs. bad debt and be smarter with credit cards Understand interest rates and fees, and shop for the best rates and services Take advantage of employee savings plans, stocks, bonds, and mutual funds And much more.

See all Editorial Reviews

Product Details

  • Paperback: 272 pages
  • Publisher: Business Plus (January 5, 2006)
  • Language: English
  • ISBN-10: 0446695432
  • ISBN-13: 978-0446695435
  • Product Dimensions: 7.9 x 5.2 x 0.8 inches
  • Shipping Weight: 8 ounces (View shipping rates and policies)
  • Average Customer Review: 4.0 out of 5 stars See all reviews (22 customer reviews)
  • Amazon.com Sales Rank: #551,736 in Books (See Bestsellers in Books)

    Popular in this category: (What's this?)

    #46 in  Books > Business & Investing > Personal Finance > Money Management for Young People

Inside This Book (learn more)


What Do Customers Ultimately Buy After Viewing This Item?


Tags Customers Associate with This Product

 (What's this?)
Click on a tag to find related items, discussions, and people.
Check the boxes next to the tags you consider relevant or enter your own tags in the field below.

Your tags: Add your first tag
 
Help others find this product — tag it for Amazon search
No one has tagged this product for Amazon search yet. Why not be the first to suggest a search for which it should appear?

 

Customer Reviews

22 Reviews
5 star:
 (12)
4 star:
 (4)
3 star:
 (2)
2 star:
 (1)
1 star:
 (3)
 
 
 
 
 
Average Customer Review
4.0 out of 5 stars (22 customer reviews)
 
 
 
 
Share your thoughts with other customers:
Most Helpful Customer Reviews

 
8 of 9 people found the following review helpful:
4.0 out of 5 stars Good book!, March 25, 2006
-- Why does Ulrich refer to those aged 18-34 as Generation Debt?
-- Why do the minimums of a college education, cell phone, good car, and the right clothes to interview in, put the average 24 year old close to $30,000 in debt while going after a $30,000-a-year job?
-- Why does this age group think of spending, rather than investing and saving?
-- And what will it take to drive back what Ulrich refers to as "the enemy": debt?

Ulrich does a masterful job of identifying not only the symptoms that tell us we're in up to our ears in bad debt, but also the root causes so that cures can be found. We're treated to up-to-date statistics that let us know that college graduates out earn their high school counterparts by almost 45% on a weekly basis, right here and right now--let alone over a lifetime. She shows that Pell grants that once covered up to 84% of one's college costs now, at most, cover 40%.

But she doesn't let the Generation Debtor off the hook. It is not circumstances that cause debt. It is decisions that cause debt. It is being labeled by lifestyle--hippie boomers, soccer Moms, Nascar dads, and bobos (you'll have to read the book to understand that one!) that causes us to believe that we need, want and deserve certain things.

Ulrich identifies where big debt can come from, correctly points out that the social stigma of debt is largely gone, but that it also starts to hurt, big time. She also points out that there are ways out, however, not as fast as one might like and certainly not as painless. But there are huge perks to getting on the other side of Debt Mountain.

The book is filled with practical helps to create a master plan for getting out of debt along with tremendous resources, many available online. It also shows how to get money working for you, instead of simply working for it.

Armchair Interviews says: For parents of 18-34 year olds, this book is a great gift--but only when you've bought it for yourself and begun applying the principles to your own debt!




Comment Comment | Permalink | Was this review helpful to you? Yes No (Report this)



 
10 of 12 people found the following review helpful:
3.0 out of 5 stars It was alright..., April 29, 2006
By Janice (Arlington, VA) - See all my reviews
Carmen Wong Ulrich's "Generation Debt: Take Control of Your Money - A How-to Guide," deals with the reason why 18-34 years old Americans are in debt and the primary reason was of course credit cards. The author also provided some basic advice for people who wanted to purchase a vehicle or home, taxes, retirement funds, health insurance and others.

I thought the information in this book was quite basic and would be handy for someone who just started out, or even high school students. Carmen Wong Ulrich also provided some helpful websites for people to learn about the various topics she covered. This was an okay book and I think potential readers are better off getting this from the library.
Comment Comment | Permalink | Was this review helpful to you? Yes No (Report this)



 
4 of 4 people found the following review helpful:
2.0 out of 5 stars Alright, but definitely not a must-read, May 15, 2007
I bought this book after reading some good reviews, and I wish I paid more attention to the mediocre ones. Admittedly, the book is an easy read, has a good dose of humor and the author relates well to those in their early to mid-20's (mainly because she's a member of this generation). While the book would be useful to high school students and the occasional completely clueless college student, it offers little to no new information to anyone else. (to give perspective, I'm 23 years old, am a recent college grad and am employed full time) Ulrich simply re-stated well known facts - young adults today are broke, they have too many student loans and too much college debt, etc., etc. - and offered cliche advice. There was nothing in this book that I did not already know, i.e. don't default on student loans, pay of high interest credit cards ASAP, and so on and so on. Overall, not a completely useless read, but you're better off borrowing one from the library.
Comment Comment | Permalink | Was this review helpful to you? Yes No (Report this)


Share your thoughts with other customers: Create your own review
 
 
 
Most Recent Customer Reviews

1.0 out of 5 stars Apparently anyone can write a book....
Although the idea is good, the writing is not. It would be nice if someone who actually knew what they were talking about wrote this book. Read more
Published 4 months ago by Peri Ponzio

3.0 out of 5 stars This book is a roadmap to remaining middle class.
Carmen Wong Ulrich must work for the credit card companies,

The advice in this book isn't more than just taking a second job and struggling with high interest... Read more
Published 10 months ago by Anonymous

1.0 out of 5 stars I feel cheated!
This book is similar in some ways to <u>Strapped . . .</u>, by T. Draut, another book I have reviewed recently; however, this one is supposed to be more of a self-help... Read more
Published 22 months ago by W. Koenigsmann

5.0 out of 5 stars Quick, Easy resource
I LOVED this book! As a college student facing debt from student loans and a particularly difficult case to solve this book helped me out a lot! Read more
Published on July 2, 2007 by Mindyflyz

4.0 out of 5 stars Underrated and Crucial
I am 25 and considering my knowledge of this subject matter to be above average. I wish I'd had this in college or even in high school. Read more
Published on November 11, 2006 by Christien Louviere

4.0 out of 5 stars Decent, but not a end-all
This morning I finished off Generation Debt by Carmen Wong Ulrich and I feel pretty mixed about it. The book starts of very strong by putting all the financial issues facing... Read more
Published on August 5, 2006 by Christopher White

5.0 out of 5 stars ALL COLLEGE STUDENTS - BUY THIS BOOK
I've been thinking of buying a house, but wasn't so sure about what I could afford in monthly payments. $1,300? $1,500? Turns out I could only afford about $900 comfortably. Read more
Published on July 24, 2006 by Michael Del Muro

5.0 out of 5 stars A GREAT INVESTMENT!
GENERATION DEBT by Carmen Wong Ulrich will definitely be this season's signature gift for the upcoming college graduates in my life. Read more
Published on February 10, 2006 by Anonymous

5.0 out of 5 stars the best $$ reference that's there for you
ever felt depressed about college debt? or overwhelmed about what to do come tax day? or embarrased about not seeming adult enough because you don't know how credit cards work,... Read more
Published on February 5, 2006 by cheapomaya

5.0 out of 5 stars A Down to Earth How-To Book ... for once!
I originally got this book to help out me and boyfriend, but as friends came over, this book quickly became a point of conversation ... Read more
Published on February 4, 2006 by JJ159er

Only search this product's reviews



Customer Discussions

 Beta (What's this?)
New! See all customer communities, and bookmark your communities to keep track of them.
This product's forum (0 discussions)
  Discussion Replies Latest Post
  No discussions yet

Ask questions, Share opinions, Gain insight
Start a new discussion
Topic:
First post:
Prompts for sign-in
  [Cancel]


Active discussions in related forums
  Discussion Replies Latest Post
Making Money Today 8 8 days ago
Get Rich Cheating 0 13 days ago
   


Product Information from the Amapedia Community

Beta (What's this?)


Look for Similar Items by Category


Hot Deals on Hitachi

Hitachi power tools
Routers don't get much more powerful than the "Incredible Hulk." Check out the entire line of Hitachi routers sold by Amazon.com.

Shop all Hitachi

 

Best Books of 2008

Best of 2008
Find our top 100 editors' picks as well as customers' favorites in dozens of categories in our Best Books of 2008 Store.
 

Never Run Out of Power

Shop for replacement batteries
Keep a spare battery on hand to make sure your power tools are always running.

Shop for power tool batteries

 

The Power of the Press

Shop for drill presses
If you need to drill precisely spaced holes or bore exact depths, a drill press is the tool for you.

Shop for drill presses

 

 

Feedback

If you need help or have a question for Customer Service, contact us.
 Would you like to update product info or give feedback on images?
Is there any other feedback you would like to provide?

Your comments can help make our site better for everyone.


Where's My Stuff?

Shipping & Returns

Need Help?

Your Recent History

  (What's this?)
You have no recently viewed items or searches.

After viewing product detail pages or search results, look here to find an easy way to navigate back to pages you are interested in.

Look to the right column to find helpful suggestions for your shopping session.

Continue shopping: Top Sellers
Paranoia
Paranoia by Joseph Finder
My Soul to Lose
My Soul to Lose by Rachel Vincent
Glenn Beck's Common Sense
Glenn Beck's Common Sense

Conditions of Use | Privacy Notice © 1996-2009, Amazon.com, Inc. or its affiliates