Bills bills and more bills, debts and worry, an all-too-common scenario these days.

 Those are not a healthy combination for anyone. The bills keep coming; the debts keep mounting up, stress levels and worry mount up, there seems no end to it all. Sound familiar?

 Often that leads to arguments, which can lead to unwelcome and sometimes regrettable situations.

 The paycheck is spent as soon as you get it, just to pay the previous month’s bills. Warning letters and Red letters arrive with threats for unpaid bills.

 Where does it end? Sometimes it can seem a hopeless downward spiraling situation!

 In this book, we are going to reverse that spiral.

 Everyone gets bills and many people have huge debts. Below is a snapshot of global debt in 2020. When you read it, just think about how many millions of people are part of these statistics…

 Global Debt 2020

The Institute for International Finance or IIF said in its latest Global Debt Monitor that the coronavirus crisis has pushed global debt levels to a new high of over $272 trillion. And that it is expected to reach $277 trillion by the end of 2020.

“The pace of global debt accumulation has been unprecedented since 2016, increasing by over $52 trillion,” the IIF said.

“While some $15 trillion of this surge has been recorded in 2020 amid the Covid-19 pandemic, the debt build-up over the past four years has far outstripped the $6 trillion rise over the previous four years.”

Larger debt levels put governments, companies and households at a higher risk during economic downturns as they are required to service that debt.

Source: CNBC News report November 19^th, 2020.

 If you have debts and loans, then somewhere in there you are part of those staggering statistics along with millions of others, you’re not alone.

 Okay, you know your income(s) you know your expenditures each month. You know how much you have left over, if anything. That repeats month after month as does the worry and frustrations. If nothing is done to change that then what do you expect? Just more worry, more debt, more bills.

 NOW is the time to change that, but you must be prepared for some sacrifice and may be lifestyle changes, at least until you get back to where you want or need to be financially.

 YOU NEED A PLAN; this book is your guide to make your plan.

 In this book we will look at the following:

• Your income and expenditure in detail and categorize all expenditures into one of three groups. You’ll see why. You know your totals, but do you remember every detail of each?
• We will look at some scams and scammers, and why loan sharks must be avoided at all cost. They are not a lifeline.
• We will look at all kinds of savings tips, banking, credit cards, loans, utilities, shopping, coupons, clothing and appliances, and you’ll learn how spending can save you money. I will explain the method in the madness. Spend to Save and Save to Spend!
• You’ll do a home assessment; this will show you any bad money wasting habits you may have.
• How to use 0% credit to pay off credit debt.
• Find out how certain types of spending helps your credit score and why that can be important to you.
• We will look at mortgages, have you got the right one, should you change it, or are you looking for your first one? But which one is right for you and your current circumstances? Find out inside.
• You’ll see several videos of what others say about getting into and out of debt. And videos about loan shark scum.
• If your situation is bad, then you’ll see where to get outside help. Maybe you only need some advice to help you save more.
• We’ll turn thoughts of debt and what we are always told about debt being bad upside down and see how debt can actually help you. Not all debt is bad, if you use it to your advantage.
• We’ll look at one particular debt that could earn you more money than a savings account. You read that right!
• And we’ll look at where and how to make some side money during COVID and post COVID.

If you’re worried about debt and bills and how to manage them, or if you just want to save a bit more, or you just need to review your finances, then this book is for you!

 This book comes with complimentary checklists to help you review your situation to get back on track whether that is clearing debts or just trying to save more.

SPECIAL BONUS: You’ll get FREE periodic supplementary updates to keep the information inside this book up to date.

 A final thought

You must gain control over your money or the lack of it will forever control you.

Dave Ramsey