“There is no greater relief from stress than to be totally free of debt. “Dump That Debt” is an excellent guide to achieve independence from debt. It all begins with a Budget just as Craig suggests. If a person follows the suggestions included in this booklet, they will enjoy an emotional experience and be able to reach a major milestone of no longer being a “victim” of debt. Craig Allen has done a noteworthy job of providing simple step by step processes to conquering debt. I especially liked the more personal notes Craig added related to considerations one must make when examining alternatives. The detailed examples are easy to understand and, if followed, will definitely build confidence and help instill a new financial discipline.   His advise related to home ownership is timely and accurate. Throughout the booklet Craig advises on the importance of damage control prior to taking drastic actions. That is, be sure to have a new place of residence before disposing of your current problem laden residence; be sure to have transportation coverage before disposing of your financial problem vehicle. Also, be sure to retain the credit card account even though you cut up the cards. New cards on an account with a comfortable limit are much easier to obtain than a new account with an equal limit. The “Financial Lockdown Mode” is a must do. I would further suggest a solid practice with Credit Cards would be to make sure all accounts are fully paid each month and no new charges accrued unless they can be paid  in full when due. Craig has done a superb job of creating a roadmap to financial freedom from debt. Everyone’s goal should be to establish a well thought out financial discipline that will last a life time. Craig’s roadmap is an excellent guide for achieving this realization.”     -Jerry Knotts

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