How to Be Debt Free: A Simple Plan for Paying Off Debt by Avery Breyer
Avery Breyer’s How to Be Debt Free: A Simple Plan for Paying Off Debt is a clear and practical guide to achieving financial freedom, ideal for anyone feeling weighed down by debt. Covering car loans, student loans, credit card debt, mortgages, and more, Breyer’s book stands out for its simplicity and effectiveness. Through actionable steps and helpful strategies, it provides readers with a roadmap to debt-free living and financial security. Here’s a deep dive into what makes this book a valuable read for anyone looking to take control of their finances.
Reviewer’s notes: This is a straightforward Financial Guidance book, that brings you closer to being debt-free one page at a time.
A Summary of How to Be Debt Free
Length: 111 pages (110 on paperback)
Genre: Personal Finance, Self-Help
Published: 2016
Available On: Amazon, Barnes & Noble, and most major e-book platforms
In How to Be Debt Free, Avery Breyer offers a step-by-step guide for eliminating various types of debt. This includes credit card balances, student loans, and mortgages. Breyer’s approach to debt repayment emphasizes simplicity and ease. This makes the book accessible to readers of all financial levels.
The book covers strategies for budgeting, prioritizing debt, building emergency savings, and avoiding common financial pitfalls. With concrete advice and motivational insights, How to Be Debt Free provides a clear path toward financial independence.
Notable Insights and Practical Tips
1. Effective Debt Reduction Strategies
How to Be Debt has been widely praised for offering realistic, actionable strategies tailored to various types of debt. Breyer explains popular methods like the “snowball” and “avalanche” approaches, helping readers identify the best option for their financial situation.
2. Recognition for Financial Insight
How to Be Debt Free has been featured on financial podcasts and received endorsements from personal finance influencers who appreciate Breyer’s clear, no-nonsense advice.
3. An Accessible Guide for Beginners
Unlike many finance books that assume a background in economics or investing, Breyer’s book is perfect for beginners who want clear, easy-to-understand advice without all the jargon.
12 Books Similar to How to Be Debt Free
About Avery Breyer
Avery Breyer is a multiple award-winning author known for her Smart Money Blueprint series, which includes several bestsellers on personal finance and financial independence. Breyer’s background in financial coaching and personal finance has equipped her with practical insights that resonate with readers looking for real-life solutions. Her clear, concise writing style makes complex financial concepts accessible, and her dedication to empowering readers shines through each page. Other popular titles by Breyer include How to Stop Living Paycheck to Paycheck and Smart Money Blueprint. You can shop for all of Avery Breyer’s financial advice books here.
Writing Style Report
Breyer’s writing style is direct, friendly, and refreshingly straightforward. She breaks down potentially complex topics like budgeting, interest rates, and investment strategies with practical examples that make her points easy to grasp. Her tone is encouraging, offering readers hope and motivation to stay on track with their financial goals - particularly on reducing and eliminating debt completely. This approach makes How to Be Debt Free an inviting read that doesn’t overwhelm. Rather, the book builds your confidence with every chapter.
Top Takeaways from How to Be Debt Free
📊 Budgeting is the Foundation
Breyer emphasizes budgeting as the cornerstone of financial freedom, showing readers how to create a budget that prioritizes debt reduction.
🚀 Choose Your Debt Payoff Strategy
With both the snowball and avalanche methods explained in detail, Breyer encourages readers to find the approach that best matches their goals.
💳 Break the Credit Card Cycle
Understanding how credit card debt accumulates is crucial, and Breyer gives clear advice on stopping the cycle for good.
💼 Build an Emergency Fund
A small emergency fund prevents financial setbacks from leading to more debt, which Breyer considers a vital step toward financial independence.
🏡 Plan for Mortgage Repayment
For homeowners, Breyer outlines strategies to pay off mortgages early, saving thousands in interest payments.
💡 Develop Financial Discipline
Breyer stresses the importance of consistency and financial discipline, guiding readers toward long-term change.
What Sets How to Be Debt Free Apart?
How to Be Debt Free stands out in the finance genre because of its simplicity and approachability. Breyer avoids overwhelming readers with complex strategies, instead offering clear, realistic methods that anyone can implement. The book is also unique in its emphasis on a positive mindset, encouraging readers to view debt repayment as a journey to empowerment rather than a burden. This mindset shift is a fresh and inspiring aspect of Breyer’s approach.
Reviewer’s Opinion: An Empowering Financial Guide
In my opinion, How to Be Debt Free is a “Great Book” in personal finance, especially for readers who feel overwhelmed by their debt. Avery Breyer’s insights into budgeting, debt management, and saving are accessible yet effective. Her encouraging tone keeps readers motivated and committed to their financial journey. If you’re looking for a clear roadmap to financial freedom, this book offers tremendous value. It’s an encouraging, straightforward debt-free lifestyle book.
Who Would Benefit from How to Be Debt Free
This book is ideal for:
Readers new to personal finance who need a simple approach to their finances, handling their credit, and borrowing.
Anyone struggling with multiple types of debt, including credit cards and student loans
Homeowners looking for tips on paying off their mortgages early
Those wanting to break the cycle of living paycheck to paycheck
Other Popular Works by Avery Breyer
For readers looking to deepen their knowledge of personal finance, Avery has written other insightful financial guidance books:
How to Stop Living Paycheck to Paycheck
Companion Workbook - How to Stop Living Paycheck to Paycheck
Turn your computer into a money machine
How to Raise Your Credit Score
Suggested Reading Plan
For the most benefit, start with How to Be Debt Free to build a foundation in debt repayment and financial planning. Follow up with How to Stop Living Paycheck to Paycheck for additional budgeting tips and income-building strategies, creating a well-rounded plan for financial independence.
Top Authors in Personal Finance, Budgeting and Money Management
Complete List of Books Mentioned
1. How to Be Debt Free by Avery Breyer
Why Read: This book offers a clear and practical approach to paying off debt for anyone struggling with financial burdens. Breyer’s actionable steps make financial freedom feel achievable without overwhelming jargon, ideal for beginners and anyone seeking a straightforward path to financial security.
2. Total Money Makeover by Dave Ramsey
Why Read: Dave Ramsey’s classic guide on personal finance breaks down the basics of budgeting, saving, and debt reduction. Known for its “baby steps” approach, it’s a must-read for anyone committed to turning their finances around with a structured, disciplined plan.
3. Your Money or Your Life by Vicki Robin and Joe Dominguez
Why Read: This book emphasizes transforming your relationship with money and finding true financial independence. It’s perfect for those seeking a mindful approach to wealth, where the goal is not just money but a meaningful, values-driven life.
4. The Simple Path to Wealth by JL Collins
Why Read: Collins offers a straightforward approach to investing and building wealth with low-cost index funds. It’s an ideal read for beginners and those looking to simplify their investment strategy without getting bogged down by complex financial advice.
5. I Will Teach You to Be Rich by Ramit Sethi
Why Read: Known for its bold and direct advice, this book is a practical guide to earning, saving, and spending wisely. Sethi’s humor and actionable insights make it a fun yet effective read for young professionals and anyone wanting to take control of their financial future.
6. Financial Freedom by Grant Sabatier
Why Read: Sabatier shares his journey from broke to millionaire in just five years, offering tips on income growth, side hustles, and investing. This book is motivating for anyone aiming to achieve financial independence and retire early (FIRE).
7. Debt-Free Forever by Gail Vaz-Oxlade
Why Read: Gail Vaz-Oxlade’s no-nonsense approach to debt reduction provides clear guidance on budgeting and paying off debt without lifestyle sacrifices. It’s a great choice for readers looking for a realistic, step-by-step approach to eliminate debt.
8. Smart Couples Finish Rich by David Bach
Why Read: This book focuses on helping couples build a secure financial future together. David Bach’s strategies empower partners to make joint decisions about money, ideal for couples at any stage in their financial journey.
9. The Automatic Millionaire by David Bach
Why Read: This book is famous for its “pay yourself first” strategy and automated savings tips. Bach’s simple but powerful financial philosophy makes this a great starting point for readers looking to build wealth passively.
10. Broke Millennial by Erin Lowry
Why Read: Targeted at millennials, this book explains the basics of personal finance in a relatable way. Lowry addresses student loans, budgeting, and investing in a style that resonates with young adults navigating their financial journey.
11. Rich Dad Poor Dad by Robert T. Kiyosaki
Why Read: A bestselling classic, Kiyosaki’s book compares two different approaches to money through the lessons he learned from his “rich” and “poor” dads. It’s a valuable read for anyone wanting to understand wealth-building from an entrepreneurial mindset.
12. A Happy Pocket Full of Money by David Cameron Gikandi
Why Read: This book blends wealth creation with metaphysical principles, making it ideal for readers interested in the connection between mindset and financial success. It’s a refreshing take for those who believe in the power of positive thinking and visualization.
13. Nine-Figure Mindset by Brandon Dawson
Why Read: Dawson’s book outlines strategies for building substantial wealth through the right mindset and calculated risk-taking. It’s inspiring for ambitious readers wanting to scale their financial goals beyond the typical milestones.
14. The Infographic Guide to Personal Finance by Michele Cagan and Elisabeth Lariviere
Why Read: Visually engaging and easy to follow, this guide is perfect for visual learners. Covering everything from budgeting to investing, it simplifies complex financial concepts through infographics, making it ideal for beginners.
15. A Random Walk Down Wall Street by Burton G. Malkiel
Why Read: As a trusted guide to investing, this book explains the importance of indexing and long-term strategies in a volatile market. It’s essential reading for anyone interested in sound, research-based investment advice.
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