- Paperback: 240 pages
- Publisher: William Morrow Paperbacks (April 26, 2016)
- Language: English
- ISBN-10: 0062367188
- ISBN-13: 978-0062367181
- Product Dimensions: 7.4 x 0.6 x 9.1 inches
- Shipping Weight: 12 ounces (View shipping rates and policies)
- Average Customer Review: 128 customer reviews
- Amazon Best Sellers Rank: #39,331 in Books (See Top 100 in Books)
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The Spender's Guide to Debt-Free Living: How a Spending Fast Helped Me Get from Broke to Badass in Record Time Paperback – April 26, 2016
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“Charming and authentic…What began as a personal challenge…turned into an unexpected journey of radical self-discovery and personal reinvention…If you’re looking for a thoughtful gift for recent college grads or newlyweds, this is definitely one book worth considering.” (Better Investing Magazine)
“After accumulating over $23,000 in debt,…Jones…commits to a yearlong “spending fast”…Following 15 months of extreme thrift…she successfully regains financial freedom… Through a light, youthful tone and nontechnical language, this book offers a back-to-basics guide for those in need of debt-relief strategies.” (Library Journal)
From the Back Cover
An inveterate spender, Anna Newell Jones was desperate to end the cycle of overspending, debt, and shame. On a whim, Anna decided to go on a Spending Fast—an idea she’d heard in passing but knew little about. Creating her own method to pay down her debt, she learned what worked and what didn’t and wrote about it on her blog, AndThenWeSaved.com. Amazingly, Anna was able to eliminate all $23,605.10 of her debt in a mere fifteen months—while making only $33,000 a year! Anna’s journey has inspired people and shown them that they too can change the way they deal with their own money woes. The Spender’s Guide to Debt-Free Living takes readers through a detailed step-by-step plan for their own Spending Fasts, including:
- Creating a personalized Get Out of Debt Pledge. • Mastering Needs-Only spending.
- Finding additional income sources and generating side gigs.
- Learning techniques to handle difficult categories such as clothes, groceries, and social situations.
- Dealing with slip-ups and recommitting to debt reduction.
- Reintegrating spending into your life once you’re out of debt—so that you stay out of debt.
Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender’s Guide to Debt-Free Living proves that you don’t have to win the lottery or land a high-paying new job to change your life.
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This book is perfect if you are tackling this on your own (the author is married but paid off her own debts), or as a couple. The way she describes her thought process with spending is easy to relate to, and her perspective for paying off debt with the spending fast, needs vs wants list, reverse budgeting, and spending cycles is effective.
My favorite takeaways so far:
-With reverse budgeting, I was able to figure out how much money to set aside for hubby instead of trying to impose an unrealistic limit for him to fit my budget.
-With the spending cycles, I don't have have a strict budget with every dollar accounted for. My focus, after paying for needs, is to spend as little as possible, and have a bigger payout at the end of the cycle for debt. It's a small mind-shift from how much can I spend in a category (budget) to how little can I spend (spending cycle). Not having to constantly re-adjust a budget has made me so much happier and pleasant to be around too.
-Needs vs Wants list, simple and effective. It's helped curb my impulse spending.
-Writing everything out in a check register. This is old school, but helps with accountability to myself. I'm hoping hubby will find this easier if he decides to get more involved with the detail stuff.