The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Joanneh Nagleramazon.com
The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
This is what’s happening: We’re feeling entitled, and when we feel entitled, we’re apt to use our credit cards. When we use credit for entitlement purchases, it’s more than rebellion. It’s because we have a lack of clarity in real and proportional numbers about what we can and cannot fund with our salary and income. All of that is about to change.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
There’s nothing that gets us into huge amounts of debt faster than special-event debting.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Type in “smartphone financial apps” in Google or another search engine, and you’ll get a nice long list and plenty of reviews. About.com offers terrific reviews and information on Mint, SplashMoney, Google Wallet, Ultrasoft Money, and more. Some, like Ultrasoft Money, offer an option to reallocate money if you go over your budget categories—much li
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All of your “Necessities” are covered in two categories: Bills and Daily Needs. All it requires is that you add and subtract. The format is crafted around a simple question: How much do you have, how much do you need, and what do you have left over?
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
Introducing the Debt-Free Spending Plan The Debt-Free Spending Plan has three basic, simple components: 1. Monthly Bills 2. Daily Needs 3. Savings, Vacation, and Fun Money If we get paid more than once a month, it will also have a Bill-Paying Plan. That’s it. The premise is: We fund our bills (like mortgage or rent) and our daily needs (like grocer
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If you’re not going to use your credit cards for your “big day” event, then what do you do? This is what you do: You save for it in a special savings account, and then you create—you guessed it!—a Debt-Free Spending Plan for it based on the cash you have.
Joanneh Nagler • The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All
the steps needed to begin creating your own debt-free life: 1. Agree to stop debting and freeze, cut up, and/or cancel all credit lines and credit cards. 2. Create a personal Debt-Free Spending Plan and begin to live within it. 3. Use Savings accounts and Fun Money to fund what you love, even if you’re saving small amounts. 4. Develop a Debt-Repaym
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Keep this in mind: What it costs you to be right is your intimacy with others. I can tell you right now that when we blame our partner and think we have all the answers, we are not being honest with ourselves.