The debt-free spending plan : an amazingly simple way to take control of your finances once and for all / JoAnneh Nagler.

Includes index.

The heart of our debting issues -- In with structure, out with stringency : the simple tools of the debt-free spending plan -- Make it work every day ; your personal debt-free spending plan in action -- Deprivation will never get you debt-free : a plan for everything we need, want, and dream of -- To cut or not to cut : taking a reasonable look at what you can and can't afford -- Nailing down the octopus arms : how to pay back your debts without gouging your living expenses -- Our aphrodisiac spending plan : a loving approach to approaching the one you love about debt problems -- "Mom, can I borrow ...?" : how to stop asking for money and start paying it back -- Creativity, not credit cards : learning from the spending plans of the newly debt-free -- Keeping on track and keeping it real : using the tools that help you stay on the plan -- To file or not to file : bankruptcy and our future financial health -- Building a life of financial integrity.

A guide to creating a personalized debt reduction plan offers daily spending strategies, expense-tracking tools, and budgeting guidance, while offering advice on discussing debt problems with family and downsizing expenses.