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.
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HOWARD DAYTON is Co-founder of Crown Financial Ministries®, created by a 2000 merger of Crown Ministries, which he founded in 1985, and Larry Burkett¿s Christian Financial Concepts. Howard¿s books and small-group financial studies have been used by thousands of churches and individuals. He is a former naval officer, restaurateur, and real estate developer.
Howard and his wife, Bev, have been married for over 35 years. They reside in Gainesville, Georgia, and have two married children.
You CAN reach total financial freedom if you follow God’s directions. Debt has become a crippling way of life for millions of Americans. Almost half of all American families spend more than they earn. Along with the obvious financial challenges, skyrocketing debt leads to increased stress, compromised health and devastated relationships. God has a better way! And He has laid it out clearly in Scripture. By learning and applying the simple, practical advice found in the Bible, Howard Dayton was able to break the bonds of debt and achieve financial freedom—and you can too! Whether your debt is a high-interest loan, home mortgage, auto payments, credit card purchases, or all of the above, you can become debt-free. Free and Clear offers biblical money-management practices that will restore your financial health and refresh your spirit. The step-by-step approach and compassionate writing will give you hope and encouragement as you begin your journey to financial freedom.
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