Recently, I published the online version of the No Credit Needed Debt Reduction Guide.
Today, I’m releasing another version of that same guide – a free eBook.
Download your free copy and let me know what you think about the guide.
Depending on your browser setup, you may need to right-click and select ‘save as’ or ‘save file as’.
The eBook is copyrighted. Feel free to share it with your family and friends. Please, do not make any changes to its content.
At only 8 pages long, the eBook was designed to be a simple, step-by-step guide to reducing debt.
I am not a certified financial planner. I just enjoy encouraging folks as they work to get out of debt.
Please consider subscribing to No Credit Needed via email or rss and following me on twitter and facebook. I’d love to hear from you via social media or here in the comments. Have a blessed day!
This is a great primer! Thanks for sharing it.
Thank you so much NCN, your podcast has changed out life. Can’t thank you enough. We are on the road to recovery, but we will get there. Highly recommend your ebook and podcast.
Many thanks
Big Fan in Australia
Hi There:
One little tip that I use that may help some folks is called “ghost money”. In order not to touch my savings account due to an overdraft, I keep extra money in my checking account that “doesn’t exist” on my balance sheets. What I did, is I took $10 from each of my paychecks and deducted it under what I called ” overdraft protection fund” on my balance sheet. The money is technically still in my account, I just have opted to subtract it from my balance so I don’t think it is there. It has saved my husband and I on several occaisions and it keeps us from having to tap into the emergency fund in case one of us spends without talking to the other. We have over $400 extra in our checking account as a cushion and maybe one day we will “redeem” that extra money for a trip or something. Just think, 26 paychecks in a year (if you get paid bi-weekly) times $10 is $260 extra!
I hope my explanation made sense! Good luck to everyone!