Sign-In
Cart
Senza debiti: manuale di sopravvivenza finanziaria per famiglie italiane: Il viaggio di un consulente di "Mi Manda Rai Tre" nel debito degli italiani
Paperback
Publisher: Independently Published
Published: Jan 29 2026
Pages: 162
Weight: 0.50
Height: 0.35 Width: 6.00 Depth: 9.00
Language: Italian
Senza Debiti è un libro che ribalta la narrazione più comune sul sovraindebitamento. Non parla di colpe, scorciatoie o soluzioni miracolose, parla di realtà .
Attraverso storie vere, esempi concreti e un'analisi chiara dei meccanismi del credito, Stefano Santin accompagna il lettore dentro ciò che accade davvero quando le rate diventano troppe, il margine si riduce e la sensazione di controllo scompare. Mutui, prestiti, carte revolving, garanzie firmate con leggerezza, tassi che salgono: ogni tema viene affrontato senza tecnicismi inutili, ma con rigore e precisione.
Questo libro aiuta a capire:
perché pagare tutto non significa necessariamente stare bene
come si entra gradualmente nel sovraindebitamento senza accorgersene
quali errori comuni peggiorano la situazione
cosa distingue le soluzioni legittime dalle promesse ingannevoli
quando il debito smette di essere una scelta e diventa una condizione
Senza Debiti non promette di cancellare i problemi, ma offre qualcosa di più prezioso: lucidità . Perché solo comprendendo il quadro reale è possibile tornare a decidere.
Con la prefazione di Federico Ruffo, conduttore di Mi Manda Rai Tre, in Senza Debiti troverete un manuale di sopravvivenza finanziaria pensato per famiglie, lavoratori, pensionati e professionisti che vogliono capire dove si trovano, prima ancora di chiedersi cosa fare.
Capire il problema è il primo passo per tornare a decidere.
Chi è l'autore?Stefano Santin è il fondatore della Clinica del Debito e si occupa di tutela del consumatore e analisi delle dinamiche del credito.
Negli anni, ha maturato esperienza in ambito istituzionale e divulgativo, occupandosi in prima persona di casi di sovraindebitamento e applicazione del Codice della Crisi. È ospite regolare di trasmissioni televisive, tra cui Mi Manda Rai Tre.Also in
Consumer Reference
The Food Counter's Pocket Companion, Sixth Edition: Calories, Carbohydrates, Protein, Fats, Fiber, Sugar, Sodium, Iron, Calcium, Potassium, and Vitami
Lindberg, Rebecca
Stephenson, Jane
Paperback
The Canadian Executor's Guide: A Complete Roadmap From First Steps to Final Distribution
Garton, B. a. LL B.
Paperback
Insured to Death: How Health Insurance Screws Over Americans - And How We Take It Back
Shah, Neal K.
Paperback
The Cast Iron Bread Baking Bible: A Complete Guide to Artisan, Sourdough, No-Knead, and Dutch Oven Breads with Foolproof Recipes and Professional Tech
Prescott, Martha Lillian
Paperback
Whiskey Master Class: The Ultimate Guide to Understanding Scotch, Bourbon, Rye, and More
Bryson, Lew
Hardcover
Zeroing in on Optics: Professional Firearm Optics Training for the Modern Shooter
Wales, Cpl Reginald J.
Paperback
How to Laugh at Death and Taxes: What Executors, Willmakers, Heirs, and Beneficiaries Need to Know
Amsden, Barbara
Paperback
Recliner Lift Chair User Manual: Setup, Operation, and Maintenance Made Simple
Guides, Comfortcraft
Paperback
Slow Wine USA Guide 2026: A year in the life of the vineyards and wines of the USA
Parker Wong, Deborah
Strayer, Pam
Paperback
The Penguin Jazz Guide: The History of the Music in the 1,001 Best Albums
Morton, Brian
Cook, Richard
Paperback
The High Pole Handbook: Everything You Wanted to Know About High Pole Operations
Fory, Fred W., Jr.
Paperback
The Complete Tightwad Gazette: Promoting Thrift as a Viable Alternative Lifestyle
Dacyczyn, Amy
Paperback
The Cuban Cigar Handbook: The Discerning Aficionado's Guide to the Best Cuban Cigars in the World
Speranza, Matteo
Paperback
The Pocket Carbohydrate Counter Guide for Diabetes: Simple Nutritional Strategies to Lower Your Blood Sugar
Kinnaird, Shelby, MS
Paperback
How To Buy A Great Used Car With Cash: A Simple System for Buying Smart, Avoiding Scams, and Keeping More of Your Cash
Bowie -. Smart Money Bro, Eric
Paperback
Fire Stick: A Step by Step Guide and Quick Tips for Getting the Most out of Your Fire Stick with Alexa Voice Remote
George, Nathan
Paperback
48 Laws of Texting a Woman: Power, Attraction & Psychological Tactics for Digital Seduction
Naturist, The
Paperback
Mercedes R107: The Essential Guide to Buying, Owning, and Restoring the Classic SL (350SL 450SL 380SL 560SL)
Sorensen, Steve
Paperback
Retirement in Florida Manufactured Homes & The Land-Lease Option: Things to Consider
Watson, Russell S.
Paperback
How Your Motorcycle Works: Your Guide to the Components & Systems of Modern Motorcycles
Henshaw, Peter
Paperback
Electric Bike Mastery: The Ultimate Guide to Riding, Maintaining, and Customizing Your E-Bike
Surge, Evan
Paperback
Mercedes R129: Buy, Maintain, Repair, and Love the 1989 to 2001 Mercedes SL Class
Sorensen, Steve
Paperback
Boating For Beginners: The Ultimate Guide To Buying, Operating And Owning Your First Boat
Marine Brokers, Uk
Paperback
Toyota Land Cruiser and Lexus LX470: Buying, Owning, Maintaining, and Loving the Legend
Sorensen, Steve
Paperback
The Red Baron's Ultimate Ducati Desmo Manual: Belt-Driven Camshafts L-Twins 1979 to 2017
Cabrera Choclán, Eduardo
Paperback
Bringing Order to Pipe Smoking: An Essential Method for Slow Smoking: Errors, Signals, and Corrections
Sese Filo60, Filippo
Paperback
Porsche 911 (993): Carrera, Carrera 4 and Turbocharged Models. Model Years 1994 to 1998
Streather, Adrian
Paperback
Fire Stick: Easy to Advanced Tips and Tricks to Get the most Out of Your Device
Silver, Alex
Paperback
How to Laugh at Death and Taxes: What Executors, Willmakers, Heirs, and Beneficiaries Need to Know
Amsden, Barbara
Hardcover
Mercedes Benz Pagoda 230sl, 250sl & 280sl Roadsters & Coupés: W113 Series Roadsters & Coupés 1963 to 1971
Bass, Chris
Paperback
Mercedes W140: Buy, Maintain, Repair, and Love the 1991 to 1999 Mercedes S Class
Sorensen, Steve
Paperback
Ninja Crispi Portable Cooking System User Guide: From First Setup to Confident Everyday Cooking
Crest, Elliot
Paperback
Word Search Books for Kids Ages 4-8: Word Search Puzzles for Kids Activities Workbooks 4 5 6 7 8 year olds
Dyer, Nancy
Paperback
Choosing An Assisted Living Facility: Understanding Assisted Living For Seniors And Their Family
Leroy, Jackie
Paperback
The Best Things in Life Are Cheese: An Incomplete (But Delicious) Guide to Cheese
Studd, Sam
Studd, Ellie
Paperback
Aging in Place Conversations - The Caregiver's Edition: Stories, Strategies, and Support for Aging in Your Community
Fitzgerald, Sean
Gros-Daillon, Fritzi
Lynch, Mary
Paperback
College Admission 101, 3rd Edition: Expert Advice for the New Challenges in Admissions, Testing, Financial Aid, and More
Franek, Robert
The Princeton Review
Paperback
Before You Buy a Vintage Camper: finding, choosing, assessing, buying, & figuring out what to do with an old camper
McCullough, Crystal
Paperback
Introducción a la Microdosis de Hongos con Psilocibina: Todo lo que necesitas saber antes de comenzar
Uhart Manosalva, Carlos
Paperback
Scammunition: How To Protect Yourself From Con Artists: A Guide for Baby Boomers and Beyond
Pallamary, Colleen J.
Paperback
The Survival Atlas - USA & Canada Edition: A Graded Guide to Where You Can Live Free, Self-Reliant, and Secure
Andrews, David
Hardcover
Kelterselber - Winemaking Made Easy: Step-By-Step Guide for Hobby Winemakers
Gehring, Tobias
Paperback
Phone Freedom: The Complete Guide to Jailbreaking and Network Unlocking Your Device
Hargis, Paige
Paperback
Audacity Software User Guide: A Practical Guide to Audio Recording, Editing, and Sound Production
S. Bradley, Timothy
Paperback
Ducati Desmoquattro Twins - 851, 888, 916, 996, 998, St4 1988 to 2004: The Essential Buyer's Guide
Falloon, Ian
Paperback
Koenigsegg Jesko Engineering: A Technical Guide to Aerodynamics, Hybrid Power Units, Chassis Design, and Performance
Phillips, Kingsty
Paperback
Mercedes R230 (SL350 SL500 SL600 SL55 SL63 SL65): Buy, Drive, and Maintain the Flagship 2002-2011 Mercedes SL
Sorensen, Steve
Paperback
Kindle Fire for Beginners, Intermediate & Advanced: The Complete Step-by-Step Guide to Mastering Your Amazon Fire Tablet
Henderson, Dennis
Paperback
Fiat 500 DIY restoration: guide to restoring the legendary Fiat 500 in your garage
Bertucci, Danilo
Paperback
AR-15 Made Easy for Beginners: A Practical Guide to Understanding, Maintaining, and Customizing the AR-15 Platform
Zenith, Carter
Paperback
AutoCAD 2026 for Seniors Made Easy: A Step-by-Step Guide to 2D and 3D Drawing, Layouts, and Practical Projects
Holli, Stane J.
Paperback
The Historic Legacy of the Chevrolet Corvette: The Story of Speed, Design, and Innovation
Phillips, Kingsty
Paperback
Japanese Whisky: The Ultimate Guide to the World's Most Desirable Spirit with Tasting Notes from Japan's Leading Whisky Blogger
Ashcraft, Brian
Kawasaki, Yuji
Hardcover
Your Shopping Superpower: Follow Your Values and Better Your World One Purchase at a Time
Osgood, Diane
Paperback
RAM 1500 2020-2026 Repair & Maintenance Manual: Practical Workshop Guide to Maintenance, Diagnostics, Troubleshooting, Engine Systems, Transmission, D
A. C. Ph. D., Engr Robert
Paperback
Judgment Recovery: The Complete Enforcement Guide for Investigators, Attorneys, and Creditors
Neal, Eric S.
Paperback
SAS and Elite Forces Guide Mental Endurance: How To Develop Mental Toughness From The World's Elite Forces
McNab, Christopher
Paperback
Magic Tricks for Beginners: 25 Easy Tricks with Cards, Coins, Paper, and Everyday Objects to Amaze Friends and Family
McGrath, Peter
Paperback
Data Centers Explained in Plain English: A Simple Guide to AI, Electricity, Water, Economics, and Community Impact
Runyon, David
Paperback
The Affordable Flight Guide: How to Find Cheap Airline Tickets and See the World on a Budget
Ruiz, Jen
Paperback
Word Search Books for Kids 9-12: Word Search Puzzles for Kids Activities Workbooks age 9 10 11 12 year olds
Dyer, Nancy
Paperback
The Veteran Exit Guide: From Service to VA Benefits, Income, and Civilian Life
Izotov, Konstantin
Paperback
Stealth Antennas for Ham Radio: Modern Solutions for Reliable Signal Coverage in Space-Limited and HOA-Regulated Properties
S. Mitchell, Richard
Paperback
DJI Neo Drone User Guide: A Complete Beginner's Handbook to Setup, Flight Modes, Camera Settings and Safe First Flights
Aldrich, Miles
Paperback
Insured to Death: How Health Insurance Screws Over Americans - And How We Take It Back
Shah, Neal K.
Hardcover
Porsche 911 Carrera 3.2: Coupé, Targa, Cabriolet & Speedster: Model Years 1984 to 1989
Streather, Adrian
Paperback
Marine Engineering Applied to Today's Environmentally Conscious Shipping Industry
Befus, Rafael Lane
Paperback
The Nintendo Entertainment System: A Comprehensive Look at the History, Technology, and Success of the NES
Hearn, Timothy L.
Paperback
The Mattress Maverick: How to Choose a Mattress That's Right for You
Maverick, The Mattress
Paperback
The Truth About Managing Student Loan Debt: A Real-World Guide to Repayment, Forgiveness, and Freedom
Willcot, Jacqueline
Paperback
In The Event I Die: Instruction Manual and Information Guide In The Event I Pass Away
Daniels, Maisha
Paperback
Portable Solar Power Made Simple: A Practical Guide to Choosing, Using, and Maximizing Solar Energy Anywhere
Abrahams, Henry
Paperback
A complete user guide to the iPhone 12 mini: A step by step guide to your iPhone 12 mini
Gates, Bernard
Paperback
Generic Alternatives to Prescription Drugs: Your Guide to Buying Effective Drugs at Cost-Saving Prices
Nitzki-George, Diane
Paperback
Canadian Executor Guide - Canada Executors Handbook - Canada Executor Step by Step Guide
Press, Jamm
Paperback
Salmon From Market To Plate: when you want to eat salmon that is good for you and the oceans
C. Berry, Maureen
Paperback
A Collector's Guide to American Flyer Tru-Model Trains, 3/16 Scale O gauge, 1939-1941
Hosmer, Richard A.
Paperback
Coffee Drinks from Around the World: Traditional Recipes and Home Brewing Techniques for Global Coffee Culture
Malchi, Florence
Paperback