Out of the red... Do this month's bills pile up before you'repaid last month's? Do you regularly receive past-due notices? Doyou get letters threatening legal action if immediate payment isnot made? Do the total amounts on your revolving charge accountskeep steadily rising? Into the black... Whether you are currentlyin debt or fear you're falling into debt, you are not alone. Fortymillion Americans--from doctors to secretaries, from executives tothe unemployed--face the same problem and live under the same dailystress. Based on the proven techniques of the national DebtorsAnonymous program, here is the first complete, step-by-step guideto getting out of debt once and for all. You'll learn: How torecognize the warning signs of serious debt. How to negotiate withangry creditors, collection agencies, and the IRS. How to design arealistic and painless pay-back schedule. How to identify yourspending " blind spots." How to cope with the anxiety and dailypressures of owing money. Plus the three cardinal rules for s

With words like “recession” and “record unemployment” fillingthe air, the typical family–regardless of how the economy istreating them–will be paying attention to the budget. That’s why 99 Ways to Stretch Your Home Budget will receive a warmreception as it delivers scores of practical ideas to save casharound the house. Cheri Gillard , formerly an obstetrical and NICU nurse, is afreelance writer and editor, plus the mother of quadruplets.

If you're ever favored enough to catch a few minutes of a corporate CEO's time, and feel bold enough to ask what their job entails, chances are you'll hear something lofty about developing strategy, empowering employees, seeing the big picture. But if you ask to see their calendar for the past month, you'll probably find they've spent very little, if any, time doing those things. The look-at-last-month's-calendar trick was devised by Donald Laurie, a Boston-based management consultant, to help top executives figure out how best to lead their companies. Laurie sees a leader as the person who climbs out on the balcony and sees the company from above, the one who sees how all the parts connect to make a smoothly running machine. At the same time, if the leader stays up on that balcony for too much of the day, he or she can't hear the grumbling below. And what's being grumbled about is often the information that could save the CEO's job. As an example of this, Laurie relates the story of Xerox Corp. when it

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