The Art of Debt-Free Living

Acknowledgments

Introduction

Chapter 1 Good Times or Tough Times?

• Take a quiz to determine how you rate in money management.
• Know the warning signs of becoming overextended financially.

Chapter 2 Roadblocks to Becoming Debt-Free

• Take a quiz to see if you are at risk of being overextended.
• Examine how your beliefs and emotional needs keep you in debt.
• Take an honest look at why you choose to live as you do.
• Begin to remove the roadblocks.

Chapter 3 The Benefits of Debt-Free Living

• List your life goals.
• Consider the financial, psychological, and physiological benefits of having no debt.

Chapter 4 Where Do I Stand Financially?

• Track your spending with the Monthly Expenses worksheet (Worksheet 1).
• Get organized with a records system you can use.
• Complete the Monthly Income and Expenses Summary
  (Worksheet 2).

Chapter 5 Steps for Getting On the Right Track

• Follow the four-step plan to eliminate debt completely.
• Learn helpful tips for creating more cash flow.
• Complete a Budget Analysis (Worksheet 3).
• Calculate your Net Worth (Worksheet 4).

Chapter 6 Develop a Manageable Plan

• Work on a Debt Repayment plan (Worksheet 5).
• Discover ways to save even more money.
• Complete the Increased Cash Flow worksheet (Worksheet 6).

Chapter 7 Follow Through with Your Plan

• Master the five ways to stay out of money trouble.
• Be prepared with health and life insurance and wills.
• Take a quiz to see how well you save money.

Chapter 8 Focusing on Others by Giving

• Find out how you benefit from giving.
• Decide if you are a contributor or a taker.

Chapter 9 The Legacy of Debt-Free Living

• Learn how successful parents raise their children.
• Discover the seven common denominators of the wealthy.

Chapter 10 Become Fiscally Fit

• Avoid the pitfalls of credit.
• Become aware of the uncertain economic future.
• Preserve your capital.

Chapter 11 Believe, Proceed, and Succeed

• Examine the characteristics of authentic people.
• Rate yourself on the attributes of the wealthy.
• Look at examples of those who have chosen a debt-free way of life.

Afterword

Endnotes

Appendix

• My Life Goals Worksheet
• Financial Worksheet Forms

Resource Guide and Web Sites