A simple, proven-effective formula for freeing yourself from debt—and staying that way • Revised and updated, with a new Preface by the author “A must read for anyone wanting to get their head above water.”—The Wall Street Journal THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION OUT OF THE RED • Do this month’s bills pile up before you’ve paid last month’s? • Do you regularly receive past-due notices? • Do you get letters threatening legal action if immediate payment is not made? • Do the total amounts of your revolving charge accounts keep rising? INTO THE BLACK Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans—from doctors to secretaries, from executives to the unemployed—face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn • how to recognize the warning signs of serious debt • how to negotiate with angry creditors, collection agencies, and the IRS • how to design a realistic and painless payback schedule • how to identify your spending blind spots • how to cope with the anxiety and daily pressures of owing money • plus the three cardinal rules for staying out of debt forever, and much more! This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.

Practical advice on getting debt under control and living within one's means through principles and practices that change emotions and attitudes about money.

Simple but effective techniques and strategies for the millions of Americans who suffer from a shopping addiction—from a leading psychologist in the field Are you a shopaholic? • Do you use shopping as a quick fix for the blues? • Do you often buy things that you don’t need or can’t afford? • Do your buying binges leave you feeling anxious or guilty? • Is your shopping behavior hurting your relationships? • Have you tried to stop but been unable to? If so, you are not alone. Nearly 18 million Americans are problem shoppers, unable to break the buying habits that lead them into debt, damaged relationships, and depression. If this describes you, or someone you care about, the help you need is here. Drawing on cognitive behavioral therapy techniques, recent research, and decades of working with overshoppers, Dr. April Benson brings together key insights with practical strategies in a powerful program to help you stop overshopping. As you progress through this book, you’ll take back control of your shopping and spending and create a richer, more meaningful and satisfying life.

What will it be like to admit Artificial Companions into our society? How will they change our relations with each other? How important will they be in the emotional and practical lives of their owners – since we know that people became emotionally dependent even on simple devices like the Tamagotchi? How much social life might they have in contacting each other? The contributors to this book discuss the possibility and desirability of some form of long-term computer Companions now being a certainty in the coming years. It is a good moment to consider, from a set of wide interdisciplinary perspectives, both how we shall construct them technically as well as their personal philosophical and social consequences. By Companions we mean conversationalists or confidants – not robots – but rather computer software agents whose function will be to get to know their owners over a long period. Those may well be elderly or lonely, and the contributions in the book focus not only on assistance via the internet (contacts, travel, doctors etc.) but also on providing company and Companionship, by offering aspects of real personalization.