• The Debt-Free Spending Plan PDF Free Download Books
• The Debt-Free Spending Plan PDF Free Download 64 Bit
• Free Spending Plan Worksheet

The Debt-Free Spending Plan PDF Free Download Books

“The Debt Free Spending Plan is a simple program that will help all of us who have money trouble stop incurring debt, live on what we earn, and begin building our dreams.” Free yourself from your financial stress by incorporating this plan in your life. Make a Budget Use this worksheet to see how much money you spend this month. Then, use this month’s. Information to help you plan next month’s budget. Some bills are monthly and some come less often. If you have an expense that does not occur. Every month, put it in the “Other expenses this month” category.

1. The Debt Free Spending Plan An Amazingly S.pdf download at 2shared. Document The Debt Free Spending Plan An Amazingly S.pdf download at www.2shared.com.
2. Go till end, like a snowball. Ensure you are following this method in all your debt reduction plans. It is good to know that the more you are paying your money, your freed-money is growing just like a snowball that is rolling downhill. Continue this process until you are debt-free.

This has been a great month of reading for me. I received three books to review and just completed The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All.

In this book the author, JoAnneh Nagler guides you step-by-step through the process of digging yourself out of debt. Nagler was once in debt herself and shares the details that have helped her attain financial success. This isn’t a get rich quick book. If you are looking for some magical cure to erase your credit card bills you won’t find it here. What you will find is a methodical process of documenting your income and expenses that will help you live within your means.

There are three main steps to this process. First, document your income including how much you make after taxes and deductions and how often you get paid. Second, capture your fixed expenses. This includes categories like mortgage or rent and insurance payments. You must include the costs of these expenses as well as the dates they are due. Third, write down what she calls daily needs. This is everything else that doesn’t fit into the fixed expenses category. It includes everything from filling up your car with gas to getting your hair died and trimmed. I’m not exactly sure that all of the things in this category are ‘needs’, but that is how the author chooses to define them.

After writing down all of this information, Nagler asks you to subtract your total income from your fixed expenses in an effort to determine exactly how much you have left for your ‘daily needs.’ Based on her process you will be left with a line item budget for each and every non-fixed item you currently purchase.

Nagler then asks you to purchase a small pad of paper in which to write down each and every expense you encounter on a daily basis. On each page you write down how much you budgeted for a specific category, how much you just spent and how much you have remaining. If you choose to spend money in one category and have already blown your budget there you will need to subtract money from another category. So for example, if you spend $10 going out to eat, you will subtract $10 from another category like hair cuts. In your journal you would subtract $10 from hair cuts on one page and add $10 to your eating out page. On the eating out page you would write a note describing which category the money came from.

The Debt-Free Spending Plan PDF Free Download 64 Bit

Download it once and read it on your Kindle device, PC, phones or tablets. Use features like bookmarks, note taking and highlighting while reading The Debt-Free Spending Plan: An Amazingly Simple Way to Take Control of Your Finances Once and for All. That’s why The Debt-Free Spending Plan 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.

I love this idea. I think it’s a great way to remain accountable to yourself. You have to take the time and effort to write down your purchases, which helps you think deeply about where your money is going. Rather than spending money without any thought you know have to think about not only what you are buying but also what you are NOT buying. Recognizing what you are missing out on is a great way to rethink your purchases.

Here’s an example. Let’s say you love the theatre, but are constantly taking money away from your theatre budget to go out to eat or buy clothes. After reading through your journal you can begin to ask yourself if your spending habits reflect your joys and passions in life. If it were something you are truly passionate about then wouldn’t you set aside time and money to attend a show? Why are you buying clothes you don’t need and don’t find enjoyment from, when you could spend that same money on something you truly love and would remember for a long time to come?

The Debt-Free Spending Plan is a great guide for those in debt. The simple act of writing down your purchases and being accountable to your budget and yourself will surely help you rethink the way you spend money. We all claim to have passions and joys in life, but our purchases don’t always reflect these passions. This book will help you align your purchases with your passions.

This debt tracker printable is not only fun to color in, but it's a beautiful visual reminder of what you want to achieve with all your hard financial work. These free debt payoff chart printable PDFs include visual graphs for:

Free Spending Plan Worksheet

Debt Repayment Emergency Fund Savings Vacation Fund Tracker

Why I Created This Debt Tracker Printable

Whether you're new to setting financial goals, or you've been around the debt cycle before, you know how difficult it can be to stay on the path. I like to say that I'm like a bird or a small toddler - I see something shiny and get easily distracted. 😉 Add a husband into the mix with a different mindset, and it's no wonder we were all over the place financially!

The Debt-free Spending Plan Pdf free. download full

By having these free printable debt free charts posted in a central location in our house, we had a daily reminder of what we were working towards. This made all the hard choices (like working extra hours and choosing not to eat out) easier when I was reminded of why we were working so hard. Seeing the progress on our debt tracker printable and having a daily reminder kept us really focused.

Whether you choose to pair these debt repayment graphs with a debt tracker app or spreadsheet, they'll help the entire family stay focused on trying to reach your financial goals. Paying off debt feels great - whether it's student loans, credit cards, or your mortgage - nothing feels as good as having that anxiety and stress off your plate.

We have been able to not only pay off several debts but keep items like credit cards paid off because these reminders are there every day, helping to make the hard choices more manageable. Since we've begun using this debt tracker printable to map our journey, we've paid off over $27,000!

These fun and imaginative debt tracker coloring pages are my take on a debt thermometer. They'll help keep you on track with your debt repayment and savings goals while lookin' pretty. Stylish and functional - just like us, right? Just download the free printable debt free chart PDF, print them out, and put them up in a spot where you'll see them every day, like your kitchen. You'll be hitting your financial goals in no time!

I hope these debt payoff trackers give you a little bit of joy on a sometimes difficult journey.

Enjoy!

The Debt-free Spending Plan Pdf Free Download 64 Bit

Tana