Free and Clear: God's Roadmap to Debt-Free Living

by Howard Dayton

Overwhelmed with debt? There is hope and freedom for you no matter how big your problem. Skyrocketing debt has crippled and divided millions in this age of rampant credit, interest-only mortgages, and record loan defaults. The way out from under debt burdens is not a declaration of bankruptcy, but surrender to the Word of God. Becoming debt-free may seem an impossible dream for many, but it is actually an attainable goal according to Howard Dayton, cofounder of Crown Financial Ministries. He overcame his own struggle with debt by applying God's principles to managing his finances, principles he lays out in this practical, encouraging, never-give-up book.

Genres: Finance, Christian, Religion, Nonfiction, Business, Christian Living

213 pages, Paperback

First published January 1, 2003

About the author

HOWARD DAYTON was born in Daytona Beach, Florida in 1943. After graduating from the School of Hotel Administration at Cornell University in 1967, he served two and a half years as a naval officer. In 1969, he developed a successful railroad-themed restaurant in Orlando, Florida. Howard began his commercial real estate development career in 1972, specializing in office development in the Central Florida area.
In 1974, after a business partner challenged him to study the Scriptures to discover what God teaches about handling money, Howard's life was profoundly changed. The Lord gave him a passion to share the life-changing principles he discovered, resulting in the authorship of four books, including Your Money: Frustration or Freedom, Your Money Counts, Free and Clear, Your Money Map, and his most recent title, Money and Marriage God’s Way.
Howard founded Crown Ministries in 1985 and developed a remarkably effective small group financial study. Crown Ministries merged with Larry Burkett’s Christian Financial Concepts in September 2000 to form Crown Financial Ministries®, the world's largest financial ministry.
Howard and his wife, Beverly, were married in 1971 and have two grown children, Matthew and Danielle. Howard and Beverly reside in Gainesville, Georgia, and have just completed leading their 55th small group.

Reviews

[Bridgette · Rating 5 out of 5]

This includes scripture to back up what is the basis of what any good financial advisor would tell you. The book is very well laid out, and appears to cover each item that really needs to be talked about. This book can be read whether you have financial troubles or not , and still may teach you or encourage you to do the things that will bring you better success at effectively managing money. I would recommend this for anyone that does not currently have a good handle on their finances.

[Roselle · Rating 5 out of 5]

Biblical money management, similar to Dave Ramsey, the tone is softer but stil strongly brings out negative impact any debt including a long drawn out mortgage.. Can have on ur mental, emotional and spiritual life! Everyone shud read!

[Elisabeth Thompson · Rating 4 out of 5]

A reliable and practical guide to personal money management

This book discusses creating budgets and monitoring cash flow. It also gives prudent advice about money management. A good book for someone looking for information on how to start getting out of debt.

[Beth McCarthy · Rating 5 out of 5]

Excellent. Easy read.

[Kristiana · Rating 4 out of 5]

Excellent resource for biblical finances!

[Rachel · Rating 4 out of 5]

This book is so resourceful for teaching basic principles of money management. It offers a great Biblical perspective of stewardship and offers new ways of thinking for every dollar entrusted to you. After finishing, I feel very motivated to start our journey to be debt / mortgage free but more importantly, to teach our children to do this in the first place!

[Marshal · Rating 5 out of 5]

Another good money management book. Pay with cash, avoid debt, and live within your income.

[Jaddeus Dempsey · Rating 3 out of 5]

Solid book similar to Dave Ramsey with a little more emphasis on scripture.

[Matthew · Rating 5 out of 5]

Good resource for handling finances.