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The Debt-Free Spending Plan by Joanneh Nagler

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In with Structure, Out with Stringency

The Simple Tools of the Debt-Free Spending Plan

Here’s what we’re going to do to get started. We’re going to create a simple Debt-Free Spending Plan just for you that will get you on track with your spending and help you stop debting forever. It will take you just five minutes a day to manage and it will include everything you’ll need to live debt-free: (1) money for Bills and Daily Needs, (2) a Bill-Paying Plan, (3) a way to allocate money as it comes in, and (4) a plan to pay off debt without gouging your living expenses. And, it includes what’s most important to all of us—money for projects we love, ...

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