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…mehr
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.
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.
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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: <
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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