The Debt-Free Spending Plan—An Amazingly Simple Way to Take Control of Your Finances Once and for All

Anyone suffering under the crushing weight of debt knows how impossible it can seem to find a way out. It’s overwhelming—and the more complicated the proposed solution, the harder it is to stick with it.


That’s why The Debt-Free Spending Plan is SIMPLE. It doesn’t require sifting through chapters of high-minded financial advice or digging up your past spend ing history. It assumes you need help RIGHT NOW, and gives it to you. You will learn to:


• Downsize expenses without feeling deprived

• Allocate money as it comes in and put together an easy-to-manage bill-paying plan

• Adjust for inevitable overspending

• Pay off debt without gouging expenses and (believe it or not) start saving


The plan is clear, easy, and takes just five minutes a day—and it doesn’t matter if you make $14,000 or $14 million. With straightforward daily spending strategies and effortless expense tracking tools, you will soon find yourself on the road to financial freedom—all before the next billing cycle.

JOANNEH NAGLER was once mired in debt. Unable to find a simple, work able solution in existing literature, she developed her own system—a five-minute-a-day approach that really works. She w coaches individuals and couples, using The Debt-Free Spending Plan to help them revolutionize their relationship with money.