Book 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 overspend ing
• 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.
Table of contents
- Cover
- Title
- Copyright
- Contents
- Preface
- Introduction
- Chapter 1 - The Heart of Our Debting Issues
- Chapter 2 - In with Structure, Out with Stringency: The Simple Tools of the Debt-Free Spending Plan
-
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
- Chapter 5 - To Cut or Not to Cut: Taking a Reasonable Look at What You Can and Can’t Afford
- Chapter 6 - Nailing Down the Octopus Arms: How to Pay Back Your Debts without Gouging Your Living Expenses
- Chapter 7 - Our Aphrodisiac Spending Plan: A Loving Approach to Approaching the One You Love About Debt Problems
- Chapter 8 - “Mom, Can I Borrow…?”: How to Stop Asking for Money and Start Paying It Back
- Chapter 9 - Creativity, Not Credit Cards: Learning from the Spending Plans of the Newly Debt-Free
- Chapter 10 - Keeping on Track and Keeping It Real: Using the Tools That Help You Stay on the Plan
- Chapter 11 - To File or Not to File: Bankruptcy and Our Future Financial Health
- Chapter 12 - Building a Life of Financial Integrity
- Index
Product information
- Title: The Debt-Free Spending Plan
- Author(s):
- Release date: October 2012
- Publisher(s): AMACOM
- ISBN: 9780814432440
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