This book is a guide to financial freedom. It includes 8 budgetary forms, eleven rules to follow for success, and instructions on how to use your bank accounts to your advantage. The plan is divided in two sections and you decided which one to use. Many people find themselves in debt which occurs for the same reason every time; we dont save money and we spend more than we earn. My struggle with debt led to the creation of this guide. In the book I describe the method I used to pay my debt and to improve my way of living. The guide consists of instructions for determining the debt load for the household, and the amount of income coming in. Using forms and examples each individual or family will be able to calculate and control, through a budget, a way to increase debt payoff or to increase savings. This guide will be a valuable tool for you to use on your way to becoming debt free. It will allow you to see in black and white how much money you make and how much money you spend or overspend. The budgetary forms will help you to change your future. The knowledge gained will empower you to control your money rather than money controlling you. These forms make you the BOSS of your finances and put you in the driver seat to financial freedom. Remember that only you have the power to change your future.

Debt has become an accepted part of our culture and has enslaved the minds of many today. The average American is drowning in debt and freedom seems impossible to possess. In Out of Debt, Into Freedom, author Joy Stagg reveals 7 essential steps to become debt free, as well as, the struggle that inspired a passion within her to fight for peace of mind, to attain debt freedom, and to spark a change in the lives of others who are haunted by debt. The desire of this book is to provoke: InspirationÑgrowing uncomfortable with being comfortable living in debt MotivationÑovercoming challenges to become debt free EmpowermentÑapplying what you learn to live free Do you remember your life before you were in debt? Do you remember how beautiful freedom felt? Now you have an opportunity to obtain it again. This book will show you exactly what it takes to be freeÑso donÕt waste another moment! Live the freedom lifestyle you were designed to liveÉ

Are you drowning in credit card debt?Are you in debt and can't find the way to get out?Do you feel like the Debt Ball and Chain can't be broken and you can't get free?-Then this book if for you.

SET SAIL ON A LIFE-CHANGING VOYAGE WITH "BREAKING THE CHAINS: A COMPASSIONATE GUIDE TO ESCAPING CREDIT CARD DEBT." THIS BOOK IS YOUR TREASURE MAP TO FINANCIAL FREEDOM, GUIDING YOU THROUGH THE STORMY SEAS OF CREDIT CARD DEBT WITH EMPATHY AND WISDOM. WITH A NON-JUDGMENTAL AND INFORMATIVE VOICE, THIS GUIDE ACKNOWLEDGES THE EMOTIONAL WEIGHT OF DEBT AND OFFERS PRACTICAL STRATEGIES TO BREAK FREE FROM ITS CHAINS. FROM UNDERSTANDING THE BASICS OF CREDIT CARD DEBT TO EXPLORING VARIOUS REPAYMENT STRATEGIES, THIS BOOK COVERS IT ALL. IT DELVES INTO BUDGETING, COMMUNICATING WITH CREDITORS, AND EVEN GUIDES YOU ON HOW TO BUILD A FINANCIAL SAFETY NET. BUT IT DOESN'T STOP THERE; IT ALSO EMPOWERS YOU TO BECOME AN ADVOCATE FOR FINANCIAL LITERACY AND A BEACON OF HOPE FOR OTHERS. WHETHER YOU ARE ENTANGLED IN THE CHAINS OF DEBT OR LOOKING TO SUPPORT SOMEONE WHO IS, THIS BOOK IS A COMPASSIONATE COMPANION THAT WILL ILLUMINATE YOUR PATH. EQUIP YOURSELF WITH THE KNOWLEDGE AND TOOLS NEEDED TO RECLAIM YOUR FINANCIAL WELLBEING AND SET FORTH ON A JOURNEY TOWARDS A LIFE UNBURDENED BY DEBT. This book comes with private rights label so you can modify, sell, and distribute this as you wish.

Debt is the most aggressively marketed product in history. And it isn't just sold by banks and credit card companies anymore. Many national retail chains make more money on the sale of credit applications than they do on the actual merchandise they sell. In Dumping Debt, Dave blows the lid off the credit game, debunking the leading myths about debt that have become ingrained in our natural way of thinking. Then he walks you right out of debt with his simple, clear and effective debt snowball technique.

DON'T ALLOW YOUR PURCHASING POWER FOR YOUR FUTURE TO BE CONTROLED BY JEALOUSY (FEAR) OF DEBT FROM YOUR PAST! God does not want our past to prevent us from moving forward. Many times, the pain of our past leave us broken in such a way that we think it is no way to break free. I pray that you be loosed from the shackles and chains of you past. The Holy Spirit can bring healing to any painful experiences of the past, remove the roots of dysfunction and mend our souls. You must consider your personal financial situation prior to making and financial decision, this book is an invaluable resource to those seeking healing, deliverance, and financial freedom for those in debt.