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 spending 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; and, 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.
©2013 JoAnneh Nagler (P)2012 Gildan Media LLC
"Nagler offers practical strategies for people who find their debts troubling or overwhelming, but who continue to buy on credit....Those concerned with tackling debt in the immediate present would do well to work toward Nagler’s goals." (Publishers Weekly)
Most financial help books tell you to not use credit cards, pay down debt, and keep it that way. I think we all know that. We just don't know how to get there. The Debt Snowball is great, and it works, but only if you don't have a slip-up, and don't have a unexpected expense early in the process.
This book gives you a solid plan to tackle your spending, plan for unexpected expenses, and still live your life. She does recommend, at first, only paying the minimum balance -- or only what you can afford. The reason for this, and the key thing most authors miss out on, is that you did not accrue debt by throwing money in the street. You bought too many comic books, or clothes, or whatever. Most of us do not have superhuman will power. For those that do, this is not your book.
For the rest of us, the very first thing you need to do is to plan to live your life. And that includes having a very small bit of fun. At first. You can tackle the Snowball later, when you have practice living within your means. She provides detailed step-by-step instructions on how to set up a spending plan that you can actually live with.
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