The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All

I’ve created a form that will help you gain clarity about what you have and what you owe. Fill out the items below, in your Money Love Journal, or on my downloadable form at www.moneyalovestory.com/numbers. If you don’t know the exact numbers but you have a pretty good ballpark figure, it’s okay to estimate. If you don’t have a clue what the values

less to maintain, less to clean, and less to pay in mortgage, utilities, and rent. 97. Go car-free. If you can walk, bike, or take public transit where you need to go, consider ditching your car. If you’re in a multi-car household, consider whether you can get by with one less car.

The design presented in the rest of the book rests on three pillars. First, reduce waste and increase efficiency. It's possible to live with the same benefits as the rest of society for one quarter of what the average consumer spends. Many of these

Forget budgeting. Instead, let’s create a Conscious Spending Plan. What if you could make sure you were saving and investing enough money each month, and then use the rest of your money guilt-free for whatever you want?