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I'm the last person who should be writing this post.
While my husband and I have long-since paid off our student loans, have no mortgage, have only one car that was paid for in cash, never carry a credit card balance, and are (mostly) careful to spend less than we earn – which can be especially difficult in periods of unemployment – we have carried a burden of debt for the entirety of our married life.
The fact that we are not debt-free is our hidden shame, the constant unspoken weight on our shoulders, and the millstone around our neck. We long for a sustainable life – but what's sustainable about debt, especially when it's owed to a large, cold-hearted financial entity?
This is why I was so excited to see “From Debtor to Better” in the collection of books in the Ultimate Homemaking eBook Bundle. This book absolutely ROCKS.
Barry Myers II, the author, is a financial counselor who tells it like it is – and refreshingly so.
“Don’t get me wrong,” he writes. “I want you to live in a nice house, drive a nice car or two and have nice stuff. I just don’t want you to do it at the expense of your sanity.
“I want you to live a life where people recognize you as just a little weird because you aren’t so worried about money or even think about getting any debt help to stabilize your finances. I want you to pay off your house early and avoid stupid financial decisions so you don’t go to work every day just to pay payments to some bank. That is absolutely no fun.
“Instead, I want you to realize money is only a tool for you to manage and use. I want you to understand that debt is NOT a tool like I was told all through business school, but more appropriately treated like a coiled rattlesnake, ready to bite you if you make a misstep. In other words, I want you to move from debtor to better!”
And in addition to Myers' refreshingly loosed tongue, he provides practical, graspable baby steps to getting out of debt. At each step of the way, he asks simple-yet-profound questions for spouses to answer together so that they can take an honest look at their financial picture, their behaviors, and even the emotional baggage driving those behaviors, so that piece by piece, the mountain of debt and the behaviors that created it, can be chipped away and laid to rest.
I don't know about you, but that sounds awfully refreshing.
I titled this post “How to Become Debt-Free,” but today, I am neither the advice-giver nor the helpful researcher. Today I am merely a messenger – I can't help you get out of debt, but Barry Myers can. If debt is a weight on your shoulders too – start here and start today. I've been told it's a rich and rewarding journey.
Have you heard about the collection of books From Debtor to Better is included in this week? This may be one of the things you decide not to purchase for the sake of spending within your means, but if this is right for you, absolutely don't miss the Ultimate Homemaking eBook Bundle sale. It offers 97 excellent homemaking books for only $29.97 and ends on Saturday, so don't delay!
Buy the book as part of the e-book bundle (will take you directly to the sales page)
Click here to buy the book on its own (will take you directly to the sales page)