Back to the Black: How to get out of Debt and stay out of Debt

Financial Literacy for troubled times
Who else wants to clear their debts?

In the U.K. up to the 1970’s the banks posted you a monthly statement. This showed how you were managing your finances. If you had been ‘naughty’ and spent more than you should have done, the statement was printed in red ink and this was ‘shameful’. If you had managed your finances well, your statement was printed in black ink. It was vital to get ‘ out of the red and back to the black’ as soon as possible.
Back to the black takes a practical rather than a theoretical approach, based on the everyday financial situations we all have to face, the author has followed on from his highly successful Understanding the Numbers book, the first in this series, and introduces the reader to basic financial literacy:
This book includes details on how to:
■ quantify your debt
■ understand cashflow and cash analysis
■ re-engineer personal finances
■ pay yourself first
■ analyse and interpret payment schedules
■ solve your own financial problems

Given the financial crisis, this is a godsend and has already helped many people.

As a financial advisor I found this book both an easy and interesting read explaining the complicated business of planning budgets in an understandable way, this is not something most of us do at home or in business. I have purchased several copies to make these available to my staff and clients. Everyone can benefit from this book. Stephen Brady IFA

david J

5.0 out of 5 stars Can’t put it down Reviewed in the United Kingdom

Can’t put it down, third read since buying – began saving and planning for the future!!
Would recommend this book to anyone.


Mrs Woman

5.0 out of 5 stars brill book

Reviewed in the United Kingdom

loved it, it has certainly helped me to get control of my finances. Highly recommended a very well thought through approach.

One person found this helpful

Miss T

5.0 out of 5 stars Dr Graham Lawler’s Back to the Black ….

Reviewed in the United Kingdom

I read this book and have to say that Graham Lawler’s advice makes a lot of sense. What is interesting is his self effacing honesty about his previous financial situation and how he was able to turn it around .This is inspiring to to others in such a situation . Move over Alvin Hall !!
Packed with facts and interestingly written, Graham makes a difficult subject palatable and most importantly do-able .

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