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It is a deeply practical book that will help you break the cycle of guilt, understand why you overspend, banish “Unhappy Spending” from your life, learn to recognize your “F*ck It Moments” and find hope-and have fun-while getting your money under control.Here are some tried and true ways to start earning free money online with little effort. Worry-Free Money takes a different approach to finances, looking at the root causes of the pressure to spend and showing why traditional budgets don’t work. So she came up with a new plan: Worry-Free Money. And feeling broke can be as bad as actually being broke, because it can lead to overspending and misery. The founder of the wildly popular New School of Finance, Shannon recognized that most of her thousands of financial planning clients felt broke, no matter what their income. Shannon doesn’t lecture, judge or patronize. (Yes, really.) Enter Shannon Lee Simmons, a fresh voice in the world of personal finance, who understands the new and very real pressures to survive modern life and keep up in the age of social media. But what if there was a new way to manage your money? One that left you certain you had your bases covered-both for your monthly bills and for your retirement-and then let you enjoy the rest of your money by spending it. And rigid budgets that force you to spend your money in unrealistic ways (like $9.50 per week for pants) don’t make things any clearer. Can you afford that new car, that vacation, that night out? You think so, but knowing for sure feels impossible. There cannot be a one-size-fits-all plan, so Living Debt-Free will help you build your plan-the one that will help you finally put the debt behind you, start fresh and feel good about your money again.Īnaging your money can be frustrating and confusing. (Collective gasp-how dare she!?) Listen, everyone knows that paying interest on debt is bad and to be avoided as much as possible, but human beings are complex. In Living Debt-Free, Simmons focuses on creating a debt repayment plan that will motivate you for a long time, rather than an unrealistic one that’s strictly about paying the least amount of interest charges. You will learn to take control of your finances and pay down your debt in a realistic way that will keep you motivated long enough to see it through to the end. In fact, that’s the only way your debt plan will work. In Living Debt-Free, she shows you that it is possible to have a life and pay down debt at the same time. Whether you have a rolling balance of $2,000 on your credit card or an $80,000 line of credit you are positive you will carry to your grave, debt can be a huge cause of stress-affecting both your emotional and financial wellness.After working with thousands of financial planning clients, Shannon Lee Simmons knows that your only way out of the debt cycle is to truly understand all of your spending triggers so you can shut them down for good. But life happens and if you’ve got debt, life has happened to you. Get rid of your debt without giving up your lifeNo one wants to be in debt.
