| Description |
Anyone suffering under the crushing weight of debt knows how impossible it can seem to find a way out. It’s overwhelming—and the more complicated the proposed solution, the harder it is to stick with it.
That’s why The Debt-Free Spending Plan is SIMPLE. It doesn’t require sifting through chapters of high-minded financial advice or digging up your past spend ing history. It assumes you need help RIGHT NOW, and gives it to you. You will learn to:
• Downsize expenses without feeling deprived • Allocate money as it comes in and put together an easy-to-manage bill-paying plan • Adjust for inevitable overspending • Pay off debt without gouging expenses and (believe it or not) start saving
The plan is clear, easy, and takes just five minutes a day—and it doesn’t matter if you make $14,000 or $14 million. With straightforward daily spending strategies and effortless expense tracking tools, you will soon find yourself on the road to financial freedom—all before the next billing cycle. |
| Author Biography |
JOANNEH NAGLER was once mired in debt. Unable to find a simple, work able solution in existing literature, she developed her own system—a five-minute-a-day approach that really works. She now coaches individuals and couples, using The Debt-Free Spending Plan to help them revolutionize their relationship with money. |
| Table of Contents |
Contents
Preface
Introduction
CHAPTER 1 The Heart of Our Debting Issues
The Debt-Free Spending Plan Is Not a Budget What This Book Will Do for You How Did I Get into This Mess? So, What Have I Been Spending, Anyway? Stop Debting, One Day at a Time Pick Your Poison: What Going to Stop You?
CHAPTER 2 In with Structure, Out with Stringency: The Simple Tools of the Debt-Free Spending Plan
First Things First: Determine Your Income Introducing the Debt-Free Spending Plan Step One: Your Monthly Bills Step Two: Your Daily Needs Step Three: Add It Up The One, Hard-and-Fast Rule
CHAPTER 3 Make It Work Every Day: Your Personal Debt-Free Spending Plan in Action
A Typical Debt-Free Spending Plan A Quick Emotional Read on the Numbers Do Your Plan Once a Month, Every Month The Magic Little Notebook Your Personal Tracking Record Your Bill-Paying Plan What to Do if You’re Behind How to Catch Up What to Do if You’re Ahead “Payday Debting”: Consultants, Home Office Professionals, Entrepreneurs, and Artists Debit Cards versus Cash Putting It All Together Begin Today
CHAPTER 4 Deprivation Will Never Get You Debt-Free: A Plan for Everything We Need, Want, and Dream of
Why Have a “Healthy Reserve” Account? You Also Need Short-Term Savings Fun Money and Special Projects Accounts Weddings, Vacations, and Special-Event Debting Simple, But Not Always Easy Learn to Live Well First
CHAPTER 5 To Cut or Not to Cut: Taking a Reasonable Look at What You Can and Can’t Afford
Cutting Means Financial Freedom Making Cuts in Your Daily Needs Categories Making Cuts in Your Monthly Bills Categories Start Simply and Incrementally
CHAPTER 6 Nailing Down the Octopus Arms: How to Pay Back Your Debts without Gouging Your Living Expenses
The Value of a Debt-Repayment Plan Easy-Does-It Payback Plans Credit Ratings and Less Than Minimum Monthly Payments How to Talk to Creditors A Note About “Forgotten” Debts Making Your Peace with the Payback Timeline
CHAPTER 7 Our Aphrodisiac Spending Plan: A Loving Approach to Approaching the One You Love About Debt Problems
Lay the Unresolved Issue on the Table A Debt-Free Spending Plan for Two Victoria and Mark’s Spending Plans Nobody Wants to Be Told What to Do The Aphrodisiac Quality of a Debt-Free Spending Plan Lawyers, Guns, and Money Hope, Backed by Action
CHAPTER 8 “Mom, Can I Borrow ?”: How to Stop Asking for Money and Start Paying It Back
How Much Do You Owe? You Pay What You Can How to Make Money Amends Loans, Gifts, and Debt Forgiveness The One-Third Windfall Money Rule
CHAPTER 9 Creativity, Not Credit Cards: Learning from the Spending Plans of the Newly Debt-Free
Downsizing Means Things Are Looking Up Five Real-World Examples Alanna’s Debt-Free Spending Plan Pete’s Debt-Free Spending Plan Michaela’s Debt-Free Spending Plan Jake and Anna’s Debt-Free Spending Plan David and Ellie’s Debt-Free Spending Plan
CHAPTER 10 Keeping on Track and Keeping It Real: < |
