Creativity, Not Credit Cards

Learning from the Spending Plans of the Newly Debt-Free

If you have read this far in this book, you’ve learned a lot. You’ve learned the structure of the Debt-Free Spending Plan, how it works, and the simple steps it will take to create your own Spending Plan. You’ve learned how to create meaningful savings, how to cut expenses to live within your means, and how to create a Debt-Repayment Plan that doesn’t gouge your living expenses. You’ve also explored couples’ strategies and debt repayment for personal loans. You’ve learned that though there are certainly issues that have caused you to get into debt, they won’t ...

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