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Full Description
It can seem impossible to find a way out of debt--and the more complicated the proposed solution, the harder it is to stick with it. That's why this book is SIMPLE.
Life coach JoAnneh Nagler gives you the help you need right now to live your life and get out of debt fast. The plan is clear, easy, and doesn't require you to sift through chapters of high-minded financial advice or dig up your past spending history.
In The Debt-Free Spending Plan, you'll learn how to:
downsize expenses without feeling deprived,
allocate money as it comes in,
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.
It doesn't matter if you make $14,000 or $14 million--thanks to straightforward daily spending strategies and effortless expense tracking tools, The Debt-Free Spending Plan is the key to financial freedom. In just five minutes a day, you'll find yourself on the road to financial freedom before the next billing cycle.
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:
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