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The Debt-Free Spending Plan by Joanneh Nagler

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Deprivation Will Never Get You Debt-Free

A Plan for Everything We Need, Want, and Dream of

For those of us who have been in debt forever, the concept of saving may seem unnecessary or even wholly out of reach. I’ve lived without savings my whole life and somehow I’ve made it—why should I bother now? Here’s why: Because your savings are now going to take the place of your credit cards. When you no longer use credit cards for anything, you no longer stress about money. So now you’ve got to have a stash of cash to cover you when the normal, yet unexpected “financial stuff of life” shows up at your front door.

Your savings are going to take the ...

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