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The Debt-Free Spending Plan by Joanneh Nagler

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Nailing Down the Octopus Arms

How to Pay Back Your Debts without Gouging Your Living Expenses

Multiple debts are like octopus arms—once we grab hold of one and slam it to the turf, another one pops up and smacks us in the head, demanding to be dealt with. For some of us, we have often ignored or avoided the disaster of multiple debts for so long that now we don’t even look at or pay our bills. Even if we are still paying, managing the payments of, say, eight or nine creditors (often by dubious means), we often feel like we’re riding on a train that’s about to run off the tracks at any moment, crashing headlong into a ditch.

Sitting down to pay ...

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